all FD have quota, per placement and per campaign/promo.

if you really search OCBC website, the T&Cs stated it clearly: http://ocbc.com.my/assets/pdf/Accounts/tnc...l2_43_45_en.pdf


'bout opening savings account, generally they do required for interest crediting purposes. but you can try tell OCBC that you dont want to open the SA. it's possible.

assuming the promo rate not extended, the e-SmartSavers is basically like a conventional SmartSavers. it's redundant though.

not sure what's the exit plan (for e-SmartSavers promo rate) or continuity plan to maintain this product (as opposed to SmartSavers)

problem with e-SmartSavers that i found out earlier on was that you are required to visit the branch to close the account, that's why i didnt bother to open it at the first place.

Note: I've already opened the conventional SmartSavers when placing for FD last year.

if you read the T&Cs, the "e" doesnt mean the account is fully "e" (e.g. m2u savers/savers-i)

the application processs is the "e", the rest is conventional processes.

read 13 posts above.

doesnt matter la. gsc's comment could just be a conjecture anyway.

if we keep commenting over and over something that is not official, this would turn into /k/.

don't kill your braincells.

place to whatever fd promo now that suits you.

when near maturity, figure out where to put.

from now till maturity, a lot of things can change.

Hong Leong Term Deposit-i 3-month @ 4.20% p.a. [ HLISB | T&Cs ]
14 Dec 2015 - 31 Jan 2016

curious, how does the bank "calculate" the extra 3 days interest?

manually calculate the 3 days' interest? or extend the maturity to 4 Jan instead?

everything not guaranteed for GIA. read up the promo's PDS and FAQ.

published eir may not be actual rate given.

so far, first 6 months will be given 4% p.a., the base GIA rate also 4% p.a. nothing much to compare for now.

the interesting part would be the last 6 months, whether the actual eir will match the published eir (or as close as possible).

This post has been edited by cybpsych: Dec 28 2015, 01:53 PM

same. a little assurance from mbb

here's the website and full T&Cs for HLB Festive FD: 6-month @ 4.50% p.a.

HLB | T&Cs (EN) | T&Cs (BM) | T&Cs (CN)

how temporary is temporary?

you need to fund, say, in next 6 months? if not, perhaps HLB's 6mth @ 4.50% p.a. FD is best for you.

if you need the fund is shorter terms, suggest you roll it into eFD instead.

Maybank “Profit Now! Account-i (PNA-i) 9” Campaign - 9 months @ 4.22% p.a.
22 Dec 2015 – 22 Jan 2016

Maybank | Terms and Conditions Apply

This Campaign shall commence from 1st January 2016 until 30th April 2016

Full terms & conditions

there is IBG/IBFT topic, alongside FD topic, u know that ?

yes, ocbc can IBFT out. I tried that with my smartsavers to m2u (per screenshot above)

**Updated: I stand corrected. based on post here and here, the IBFT option is temporary removed.

This post has been edited by cybpsych: Jan 1 2016, 05:25 PM

doesnt mention if the promo rate applies to existing smartsavers customers.

if yes, time to cancel m2u efd and push here

http://www.ocbc.com.my/personal-banking/ac...promotions.html

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

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

what does the t&c state upon maturity?