placed some kuaci amount to MBB 12mth GIA (eff rate 4.50%pa)

counter staff blur. I challenged her to check her facts. even showed her mbb website lol

got the cert. didnt state the rate. but psr 30:70 (bank:customer). if use MBB app, can see the Islamic flexi fd rate at 4%.

interest credit to m2u savers (non Islamic, they said any casa would do)

yeah, cuz islamic gia rate is indicative. actual rate will be reviewed periodically only way to know is calculate the actual interest/dividend credited.
yeah, it's averaged out for whole 12 mths tenure 

for fun only, i'm interested to know what is the actual dividend (assuming no rate revision) for month1, month2, and so on. 

would it be RM37.60 (monthly avg) or varies according to month (table below).

u gotten your 1st month dividend?

yalor, i syiok sendiri onli la

not interest added to principal. every month, same principal fund, but different rate according to the promo rate.

i replied this yesterday

the cert will show the instructions. principal to renew, interest/profit credit to casa (monthly)

errr dont know about "capitalised monthly". no idea.

profit rate stated on the cert is NIL. but you can see the rate in M2U App Quick Balance (M2U desktop doesnt show much)

that's why i wanna monitor the rate and dividend monthly 

dont know about you. i can see in M2U App Quick Balance. normal m2u desktop or m2u app (normal login) doesnt show the rate.

MBB 12month  GIA-i done, the officer told me for this promotion the interest rate is "guaranteed" as promised ie at 4.5% effective rate. i mean likely we will be paid that rate till end of 12months. the statement capital not guanranteed can be ignored she said.

I feel assured, so can place more tomorrow.

I wud suggest u speak face-to-face with the BM for FAQ