when I think of Citibank, I think of credit cards.

I think they're not active in the field of savings and FDs...

I saw the OCBC promo still on their website, but it says until 31st Dec. So is it still on-going??

and must we give our details and register online??

Any CIMB & Maybank latest FD promo for 3 , 6, 9, 12 months??

either they extended it, silently, or takes time to remove from website. always better to call the branch for info.

p/s: when did you check the website? since few days back, they've changed the promo liao.

9 months @ 4.15% p.a.
15 months @ 4.30% p.a.

valid from 1 January until 30 April 2016


have you read post 1 and 2?

dont waste TS' effort updating them.

This post has been edited by cybpsych: Jan 4 2016, 07:24 AM

already read, as CIMB last promo was till 31/12/2015, so asking if anyone knows this month or latest promo for it?

there are few ways for you to find out new/upcoming promos, if any:

1) read the pages in this topic. yes, read all if you want to know all. or do a quick [Search].

2) if no info found, wait for few more days for others to post updates in the forum. ppl voluntering updates here as and when they visited the bank (either for fd upliftment, other banking activities, or purely simply asking).

3) if cannot wait, try searching the bank's website. they could've silently update without us knowing, yet; or their update is slow (usually few days to weeks to get it published on website).

3) if still cannot wait, call or visit the bank yourself. Then you can share the updates here for others' reference.

rinse and repeat. that's how forumers here found out info and share with us.

This post has been edited by cybpsych: Jan 4 2016, 09:13 AM

For now, UOB December's FD Promo extended until further notice.

3 Months - 4.15%
6 Months - 4.2%
12 Months - 4.4%

But my RM told me the 4.5% for 12 months I got in December is no longer being offered (for now).

I guess the banks are checking each other out before releasing their new Promo and by end of next week, we can expect CNY FD Promos.

And if you have yet to check out my new blog - click here to visit www.GenXGenYGenZ.com.



This post has been edited by Gen-X: Jan 4 2016, 10:25 AM

If anyone noticed a trend, all banks which offer high rates before this have start lowering their rates. A sign they are losing too much money by giving too high rates?

It means they have enough cash already for their Balance Sheet as at 31 Dec 2015, therefore, they can slow a bit from now on

yeap saw the banner that day, 4.5% for 6 months... ice cool.

any idea, the rate will stay the same after? or board?

what does the t&c state upon maturity?

The CIMB eFD promo page still accessible. Does it mean still can subscribe?

No banks in their right mind will you give promo rates after matured as they expect you to forget and let it renew at board rates hence paying you lesser interest. For what they want to give you higher rates when they can use the extra ~1% to pay themselves/share holders first? They will only give you promo rates if :
1) you are a Priority/VIP customer
2) the amount is very large
3) you topped up extra 10-20% of the original amount.

If you don't fulfilled (1), (2), don't expect to get promo rates. Be like common people and uplift your FD upon maturity and hunt for the best bank.

For (3), I already proved before this that it is cheaper to "hunt/move" your funds around rather rather than topup. To continue at promo rates, you need min rm1-2k (depending on your original amount). To "hunt/move" your funds, you just need max RM20. This is only applicable for people with money locked up and cannot be touched. If you have spare rm1-2k lying around, then by all means topup.

This post has been edited by Ramjade: Jan 4 2016, 12:04 PM

hi guys,
sorry newbie question - if i want to do FD palcement with Hong Leong via banker's cheque, who should the cheque be payable to?
myself or Hong Leong Berhad?

Your full name and IC no as shown in your IC.

This post has been edited by Ramjade: Jan 4 2016, 12:05 PM

With online instant transfer facility available nowadays, will this circumvent the fresh fund requirement?

eg:
Uplift from Bank A, instant transfer to Bank B. Login Bank B, transfer it back to Bank A. To play safe, add or subtract some small amount to avoid same figure.

Just tried putting my mach 4.5% 6 mth promò after my previous mach fd promo matured.

No problem at all. No need to do gimmick like fresh fund wadsoever, use cheque or wadsoever mafan thing

Same fund no fresh but got promo..

Kudos hlb mach ebanking

http://www.hsbc.com.my/1/2/personal-bankin...tion-dual-offer

hsbc 4.38% pa for 6 months, but for premier only

The only time I got a 9.18% FD from CB is with UT promotion in 2015. They does not seem to bother with pure FD promo.

In fact they are raising the AUM for CItigold from 200k to 350k. That is even higher than OCBC's 300k for PB but lower than UOB's 500k.

Captain, I called to UOB PB centre this morning, I was told the FD promo you mentioned is until 15/1/2016 only !

I also called to OCBC PB centre, their promo:

9 mth 4.15%
15 mth 4.3%

Until 31/1

Asked about the 20" trolley bag. The leng lui told me it is RinggitPlus promo.