I thought I saw 4% offered by CIMB but now I can't find it anymore.
Anyone got any idea?
Fixed Deposit Rates In Malaysia V. No.10, Please Read Post #1 & #2
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 Oct 21 2015, 03:45 PM
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#1
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Senior Member
2,145 posts Joined: Mar 2009 From: 1BORNEO 
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Oct 22 2015, 06:31 PM
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#2
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Senior Member
2,145 posts Joined: Mar 2009 From: 1BORNEO
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I think 2 months ago I placed some money in OCBC FD to get 4% interest.
If I remember correctly, need to deposit some money again every month. I think I missed it last month, forgot to deposit money. So that means I can't enjoy 4% liao??  |
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Oct 22 2015, 07:03 PM
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#3
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Senior Member
2,145 posts Joined: Mar 2009 From: 1BORNEO
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QUOTE(bbgoat @ Oct 22 2015, 06:42 PM) Surprisingly AmBank issuing of FD is faster nowadays. Kaotim in about 15 minutes. Used to be like 25 minutes to 40 minutes or so. But they changed so that FD cert no need signature from them. Last time need 2 signatures on the cert. I wonder what takes so long for these staff.   I mean, if we do it online, can settle in less than 5 minutes. What paperwork that takes so long??  Cannot understand. Or the workforce is just incompetent. QUOTE(Ramjade @ Oct 22 2015, 06:49 PM) That's not FD. FD does not need you to deposit money monthly. That's ocbc e-SmartSavers. You won't get 4%. But you will just get lower. Don't know how much lower. Best is deposit min rm50 at the beginning of the month. yeah, you're right. It's eSmartSaver.After 31/12, you won't get 4% but 3.05% provided you deposit min rm1k into the account every monyh. After 31/12 either you close account, or use a efd which can accept min rm1k (more worth it 3.15% and same thing lock in for 1 month)  Then I might as well take out the money and put it in CIMB eFD? not sure got penalty or not if the account is closed in less than 3 months. |
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Oct 23 2015, 07:10 PM
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#4
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Senior Member
2,145 posts Joined: Mar 2009 From: 1BORNEO
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I just checked my OCBC eSmartSaver account.
Despite not depositing any money last month, I still got 4% credited into my account. Not bad.  but another problem is, I can't seem to find Instant interbank fund transfer from Maybank & CIMB to OCBC. Why?? and when I clicked fund transfer from OCBC, the only option available is IBG, not the instant version. Why? |
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