You don't need to wait a few days. After the money appear in Bank B, you can straight transfer back to bank A. Make use of the free IBFT (instant transfer) available until 31st Dec.

Online IBFT. I think yours is over the counter. If online IBFT only RM0.53 la. But it's free until 31St Dec. Online IBG will still be charged RM0.11

I know That guy saying HL charges him rm2.15 to transfer.

Can always ask them and see. Tell them you want to add extra. Usually if the new amount is min >50% than original amount, most banks will see it as fresh funds.

Is only for some banks only. If I am not mistaken, Affin and HL allows that. Say you have rm30k, just top up rm15k to make it a total of Rm45k. Just check again. Call up their customer service and enquire.

Now we are talking. Better than their previous promo which have to put 6 months before putting for 1 year. The previous not attractive at all.

First not hnws. Second, yup no more playing musical chair. Just waiting for my FD to mature and then transfer.

Maybank best for 1 month efd. Their Islamic efd gives 3.25%. The highest for one month efd. But it needs min rm5k.

If you don't have rm5k, can try ambank Islamic efd 1 month
3.15%. Minimum rm1k

No differnece. Nama saja beza. Differnece only in interest of 0.1% . No problem. Islamic FD means they don't invest in anything haram. But me is name only la. FD is FD. You want to call it what also end of the day is STILL FD.

When you place online, pick Islamic fixed deposit. Don't pick anything else. There will be a colum to pick Islamic fixed deposit in m2u (when you are placing FD online)

Usually affin bank FD requires a SA. Open account just need rm100. After that you can just keep rm20 inside there.

Highly doubt they will push beyond 4.6%. If they push beyond that, MBSB will have to come out with something attractive.

Just tell them, you offer me 4.5%, then I won't withdraw. Take my offer or leave it.

How to make uob accept maturing FD as fresh fund

For me Last time when placed FD, no need to drive far. Affin, maybank, cimb all within walking distance of each other. So I simply pick the one with the highest rates.

This post has been edited by Ramjade: Nov 24 2015, 10:04 AM

Yes. 100% no failure in topping up. Just go to counter and ask for xxx amount. Just don't be greedy. I only have ASM. So when FD matured, withdraw in cash and try luck. Have already move ~90% of my FD. When I tried topping up time, people were selling like crazy. You can literally pick how much you want. Guaranteed sure get. One man's meat is another man's poison.

All the banks within same place for me. Last time only affin and cimb gives the best rates. So no problem for me. Never considered mbsb as no pidm. Uob attractive but affin bank better (last time) and Affin nearer. Why go far for not attractive rates. So dump all into affin. Loyal affin customer. HL bank was within walking distance from my housr. However instead of putting in HL, I went for affin. So in a way, yes, I did go for a further bank which gave better rates.

It's heating up. But still not interested.

Got free cash in hand park in ambank Truesavers and ambank Islamic efd 1 month (less than rm5k so no choice). Once it hit rm5k, (Truesavers + Islamic efd), I will transfer rm3k to ASM. And just keep free cash in hand at rm2k. More than enough for me to last the month.

This post has been edited by Ramjade: Nov 24 2015, 03:23 PM

Food only about RM6/meal la. Breakfast and dinner not counted as I make my own breakfast and dinner.

Surprisingly that one I am OK (no pidm). If mbsb, I am nervous. ASX, nope. Excellent track record for 20+ years, Owned by MOF. Huge reserves. You of all people should taruh in that. Get 7-8% instead of FD. Is practically risk free for bumiputera.

This post has been edited by Ramjade: Nov 24 2015, 03:44 PM

Mbsb not secured because epf can just ignored mbsb and sell their shares. Remember epf does not need to rescue a failing company. It's harder to sell ansb because they have bumiputera funds. I have personally witness somebody's moneyin asx double their original amount just because of the compounding dividends. I damn jelly although just small amount.

Correction. Fixed price UT/fd on steroids there's a reason why asx fp, can be sold out within days of launch. There's a Shiok sendiri feeling that you managed to "hunt" the units. Something cannot get from FD. Also I am lazy to keep chasing FD promos every year. Just dump into ASX FP, end of story. I aren't got time to go banks to bank "exchanging" fresh funds every year.

This post has been edited by Ramjade: Nov 24 2015, 04:43 PM

Alright. I will stop posting anything not related to FD. Anyone asked, I replied them via PM. I think that's fair so that it won't be OT?

Chinaman bank what. Let's see how PB will react (PB is also Chinaman banK for those who don't know). PB is not so stingy compare to HL