Hi,

Which bank offer best rate? Check first page.

How to qualify?
Fastest is online IBFT the money over. (since IBFT is free) If you are scared IBFT not counted as fresh fund,  simply withdraw your FD as banker's cheque and bring to whatever bank you want to put.

12 months or 24 months FD?
Only you can answer that question. Do you think you are going to use that money few months down the road? Remember you money is "locked" and you will not be able to touch it without losing at least 50% of the interst. Long term is good as in you don't need to go to bank to keep hunting for new promo. But it can cause you to miss out on some high interest rate promo.

Safe investment
FD (PIDM), Amanah saham fixed price funds, certain unit trust/bonds.
- Only FD principal and returns are guaranteed. The rest no.
- Amanah saham's fixed price fund principals and returns "are sort of guaranteed"  more info,https://forum.lowyat.net/topic/3779176/+20
- Unit trust. You can buy based on LYN sifus recommendation. more info https://forum.lowyat.net/topic/3730638

Personal note
Is up to you you want to choose high intereet rate bank or banks which are nearer to you. There is a hlb (7 minutes walking distance) near my place which in my opinion gave me miserable rates so I opt to drive to another part of town (20 minutes drive + parking + traffic jam) to get better rates. That part of town have affin, cimb, maybank, ambank, scb, pbb all in one place.

For me personally, I opt for high interest over convenience

Hope this answer your question.

no, cimb conventional not paying monthly interest.
ask for islamic one paying monthly.

Hi guys, quick question
the mbb GIA return is it guarantee?
does it hit the target in previous month?

The monthly interest if we didnt take out, can it be add to the principle and roll for next month?

Hi guys, quick question
the mbb GIA return is it guarantee?
does it hit the target in previous month?

One last question..
Is there any charge for requesting them to issue a banker's cheque from the previous bank? If yes, how much? And is it possible to ask them to issue two cheques with different amounts from my FD account?

It depends you are vip customer or not. Non vip customer is about Rm5+/BC. You asked for 2 BC, you pay for 2 BC.

you mean bsn non vip bc is rm5+ ?

From experience cimb, hl, Affin all charge Rm5+. Don't know about bsn. But I think might be standardised across banks like IBG, IBFT charges.

what target are you referring?

profit and capital is not guaranteed, but so far gotten the monthly profit.
currently mbb GIA-i extended to 15 Jan 2016.

The target i mean is the profit
example 4%/12month=0.333% per month.
Does u really get 0.333% per month profit, base on previous month record?
For me if less abit like >3.5% p.a still acceptable,
if 2.xx% p.a. not acceptable

Does any website show the historical record of MBB GIA monthly profit % ?
(because i go counter ask the staff say yes, it profit give out constantly 4p.a%, but is it really true )

So far none

It depends you are vip customer or not. Non vip customer is about Rm5+/BC. You asked for 2 BC, you pay for 2 BC.

wil-i-am, nice to meet u here..
u also put in FD?

Noob question, if I want to purchase banker's cheque to put it as FD in another bank..what details to put in the cheque (i.e. recipient etc)?
I know this is a really stupid question..haha

so far, the profit i gotten for month #1 = 4.0% p.a, same as the table shown by mbb.

now waiting for month #2's profit.

first person here to know is bbgoat on 5th Dec

AmBank - I AmBanking on Great Rates - Minimum Fresh Fund RM10K. Valid until 30 November 2015.

6 Months - 4.25% p.a.
24 Months - 4.6% p.a.

Hi, anyone knows if the above promotion is still available? Any extension?