Oh.. you mean my previous avatar that with a man and a girl?
They are singers from China. I love their songs..

Ya lah.. This is what I have been thinking about, if MBSB becomes a bank, will
4.7% for 5 years deal still be available at that time..?

Thanks for the comparison, but... very tough decision to make...

Yes, it is a normal FD with PIDM from Am Bank

(1) Am Bank at 4.55% for 5 years with semi annual interest or monthly interest (with PIDM)
(2) MBSB at 4.7% for 5 years with semi annual interest (no PIDM)
(3) BR at 4.5% (can nego to 4.6% or higher) for 5 years with monthly interest (no PIDM)

For depositor who concerns about PIDM, then go for AM Bank.

I called them 3x today, finally 3rd CS found the problem, it showed only RM100 IBG transfer limit there, but on my screen
it shows 20k limit. Awaiting for technical people to sort out......

Did you have to wait for 24 hours for the change transaction limit to be effective?
All done within minutes?? CS told me to try change limit and wait for 24 hrs!

You remember got TAG code? Mine it just ask for "confirm", no TAG code .

Ya, the code will be sent to handphone..once enter the code, they will send another sms to notify that you have changed the limit. no need to wait 24 hrs, instantaneously.

i tested it again, system never send me TAG or ask for TAG.
See attachments

Worse, after i clicked "confirm", it went back to previous screen ie step 1 page,
it didnt complete my request?...sigh

The OTP will only be sent for increasing the limit. If want to decrease it, can be done without OTP, just click confirm and it will be reflected.

You are right!, very sharp.
earlier becos of unable to do IBG, i simply changed the limit, from 20k to 15k, no need TAG no wonder.

Just now again i tested to increase limit from 15k to 30k, yes TAG sent to me. I happily entered the TAG hoping i can do IBFT now, but alas still same problem, sigh.....

This 1 must placed min 50k as per the staff from non-participant branch.

U got to walk in to branch to change the limit if it is above 10k

Have mentioned on Monday that the limit has been changed to 50k. TS has added this in page 1 (post 2 I think).

No, I have changed mine to >10k. Same procedure as @Human Nature said. Just need to key in OTP.

This post has been edited by bbgoat: Oct 8 2015, 08:15 PM

Did IBFT today to cimb and scb from mbb. Did anybody have problem with m2u today? keep jumping to error you must have press backspace or refresh, then i have to login again. After multiple attempts, including restart laptop, different browser, still same problem, then for some reason it worked.

Anyway, ibft to cimb and place the 3 month 4% promo. I wish more banks have efd. So convenient. Been placing 1 month m2u efd too.,

Tough luck..guess need to request assistance from CS

I'm not sure about Standard Chart but on some other online banking sites, the IBG and IBFT limits have to be set separately.

If you have never used IBFT before, maybe the limit could be 0. Please try to check your transfer limit setting again.

Tenkiu, tenkiu

I'm convinved that after you deposit max amount into EPF, sure to have many cash left for FD la...

EPF's dividend rate post-2007 is on the upward trend. Last year shoot up to 6.75% I set aside a portion of my $$$ in it too. Will monitor for a year or two to gauge how EPF perform during current economy environment. Hope it can prevail & declare another appealing skyward dividend rate.

When is your 5-year FD with BR & MBSB reaching their maturity? If I'm not mistaken, should be around 2017. So, you intend to place another round of 5-year FD (with the extra money after deposit to EPF)?

Fuh, banyak wealhty...can lock in $$$ in FDs for long tenure without worry

off topic bro. your ocbc RM intro the pre-ipo fund to you ?

What is the limit to deposit to EPF? Do you need to keep for certain period to get the dividend?

Which reminds me of the same problem I have been facing all this while also.

I just cannot perform IBFT, only can do IBG without any issues, but I did not report this issue though, SCB just has too many issues.

Minimum amount is RM50 per transaction, max = RM60k yearly.

Have to keep your deposit for at least 1 day since the dividend is calculated on daily balance.

I tot EPF dividend is based on monthly balance?