boring now. no more new promo.

affin taking step backward. now all banks waiting for u.s. interest rate hike and bnm opr change?

Chinese new year coming. Affin always have nice promo during Chinese new year.

This post has been edited by Ramjade: Dec 10 2015, 04:22 PM

with opr increase, this will be a good cny!

I found that OCBC FD placement is tedious and time consuming.
Took more than 30 min to place a FD.

Take Q number to meet the relationship office at desk outside the teller, (instead to counter/teller), then the officer fill in form and key in some info into computer, only then pass the document to the teller and still wait for teller to print the acknowledgement slip.

Seem like "double work".

Instead other bank, either officer or teller key in and print directly the slip and just let officer behind to sign off.

This post has been edited by cherroy: Dec 10 2015, 04:24 PM

Yes ka? Haiyo no more bullets liao for Jan/Feb. March baru ada

If opr decrease? Say BNM raise interest rates, lots of people may default. That's going to create a chain reaction to the banks. Most Malaysian are in debts too deep.

I think BNM will cut/maintain rates. So that it won't create a chain reaction.

Affin bank's CNY promo always extend until April.

This post has been edited by Ramjade: Dec 10 2015, 04:26 PM

hnws now becomes financial expert? there are always people with cash and others in debt. once u.s. rate hike, likely bnm will follow.

Oh perfect timing then.

OCBC lenglui told me Jan rates will go down ... see chun or not la in 3 weeks time when their promo ends.

Indeed they are, I've been there twice and I find each time, it's taking up my time just to wait. And furthermore, no lenglui to ease my time there.

lets wait n see on jan 4th.

no lenglui in ocbc? ask unkle boom.

the best rates now would be;

1) OCBC
2) UOB
3) Affin

right guys?

I vote to have a top 3 every quarter or so.

May I know, what is the cheapest way of transfering money to another different bank without having a savings account with them? Thanks.

Ini cara at the PB centre. Says the RM cannot touch the cash therefore, all cash must go direct to the cashier.

Err.. u transfer to a bank where you got no saving acc ?? Then money goes where ? There must be an acc to house that money...

I don't like to open many savings account because it is very hard to maintain it.

Usually when I place fd is purely a fd account therefore no savings account required.

I would just withdraw cash and place at branch.

But since money getting more and feeling not safe, I am looking for alternatives. How much do banks charge for cheques nowadays?

What you can do is upon maturity of the FD and after you have transferred your money, just close account. Always ask for bsa so that you do not need to pay for atm card.

BC is usually Rm5+ unless you are a vip customer.

U can double check on page 1

If so, then just let customer directly proceed to the teller, instead need to go one merry go round with customer service officer.

Teller Q number is easier to wait, while customer service officer, sometimes, need to wait more than half an hour just for a few people.
As those officer sometimes may be promoting other product to customer (saving plan etc), which I encountered before, just I told the officer, don't need to waste time on those thing, I won't interested one.
I come to bank has one intention only, aka placing FD, not buying insurance or UT.

you have been corrected on this. please stop this misleading info. bc charges has more to do with banks than vip or pb customer.

This post has been edited by sandkoh: Dec 11 2015, 10:17 AM

Cimb bank, affin, hl is Rm5+.PB/VIP only pay few sens for BC.

This post has been edited by Ramjade: Dec 11 2015, 10:18 AM