Definitely

Or stay with them, enjoy their Premier Hall coffee for life

is the coffee so good that getting board rate fd worth it?

belum keluar lagi?

well, starbucks latte RM10, HSBC latte RM0,
if you go there every banking day for 1 cup,
you are about to have RM2700 worth of caffeine every year

This post has been edited by cklimm: Dec 2 2015, 04:24 PM

Sorry noob here. I just read the pinned post. What is the importance of the banks paying interest for working or non working days?

it is refering to fd matured. if paid then extra $$ for sat, sunday and public holiday la.

i guess only relevant for big players. small fish like most of us, extra 1 day maybe few cents interest only. haha

sikit sikit jadi bukit.

10k at 4.5%, 1 day RM1.23.

Hahaha yea i agree. Anyway if mature already and we still continue with the same account the interest will still be counted the next time when we uplift it what right. Unless we wanna uplift it the day it matures

will continue with board rate. if you can live with board rate. you are giving free ...... to the bank.

only relevant to big players in my opinion.

4.5% p.a for 10k = rm1.23/day
3.3% p.a for 10k = rm0.90/day

difference only about 30 cents. over the weekend, 60 cents lost. i think make phone call to ur RM also cost more than that already.

No one here leaves their FD to roll over to board rates. I believed most here will straight remove their money on maturity date and find another bank with higher interest. Hence the musical chairs. You stop only when you find banks with high rates.
The idea of this forum is all of Malaysian's promo rates FD are compile in one place so you do not need to go from banks to banks asking what is their rates. Simply pick the bank you like/bank with the highest interest and move your money there. After a certain period of time, move your money again. I didn't know about promo rates then, place at board rates and let it roll over.


Why settle for less when you can settle for more? I will stop here.

This post has been edited by Ramjade: Dec 2 2015, 08:32 PM

ah tun, what we are discussing is small fish like most of us don't make a big fuss over the lost of interest over the weekend. at least u still get board rates over the weekend ie less 30 cents per day. on the next working day, feel free to put it at the bank best for you. banks not open on weekend for you to move ur FD around. understand?

that is talking about the weekend loss. if till maturity, 10k difference for the 2 you show is RM120.

lol. that's another discussion.

I just moved my cash from hsbc to Cimb, interested in OCBC and affin but way too far from my place.
I have an OCBC acc can I do it online?

u still get board rate if you let it roll over for next term.
If u go withdraw next working day, it's considered premature withdrawal for the new roll over term.Hence you get RM0

My view is that consumers should stand up to unfair business practice . It's not just all about the $$ all the time.

ah that's right. rm2 lost. my bad.

Btw, caffeine is gud for yo heart