I have nearly forgotten about this BR's feature.

You can recommend people to BR and get 0.1% commission of their first deposit. BUT they only get board rates. So the only good time to recommend them is when there is no FD promo in BR. Then you can split the 0.1% with them.

Also BR no PIDM. Only for those with no issue on no PIDM protection.

This post has been edited by bbgoat: Apr 9 2016, 09:36 AM

1. Yes.

2. Last time they did it by selection and sent out the card. Now, not sure. I think becoming Xclusive member is not critical in getting nego rate (for first placement).

3. You can definitely do that. They are quite flexible in their dealings. So with your deposit can ask to see ABM or even BM directly.

4. That one is not mentioned, combination of FD and CASA. But why put high amount in CASA for those that seek high FD return ?

Haha, in Penang, not much benefits like carpet for the Xclusive member queue. At least not in the branch that I am using. Cut queue yes as they already knows me (the guard even helps me to get the queue number).

Better call them. I would think should be OK wit the FD/CASA combination.

Hahaha, I am still waiting for the gold coins. Initially my eyes popped when I saw the "two full bags as a gift". Wow so u got 4 Parker pens ! Going to ask about the gold coins next few days.

Other than the usual gifts like Cross pen, Parker pens, laptop bag, back pack, towels, mug, I found the stainless steel manicure set to be useful. Next time, BR FD depositors can ask for it and see if they still have it:

One smaller nail clipper missing inside there.



This post has been edited by bbgoat: Apr 10 2016, 07:01 PM

All up to the banks. They would take their time to assess the situation & to adj their board rates.

Existing placement will not be affected (only if goes down, then step-up rate may be affected depending on banks). We lose out !

OPR more likely to go down in 2nd half.

Didn't know about this. Thx. So u are another BR regular now.

OK, so cannot combine FD and CASA for 300k requirement.

I have a feeling that joint acct is counted. They may be tracking by name, thus in joint acct, your names and amt may add up to the >300k requirement. But I may be wrong. I do have joint acct in BR and they told me they track the TOTAL of an individual for giving out the hampers few years ago. Thats why I asked for 2 hampers at that time (for 2 years). But to be sure, better call the branch that u are using.

This post has been edited by bbgoat: Apr 11 2016, 06:32 PM

For me, being able to withdraw FD from other branches is not a useful feature. But for some, it may be.

Oh, I don't think u mentioned about the gift u got from BR ?

One of the Penang forummer mentioned he got 2 big bags of gift with towels and 4 Parker pens. How about u ?

The Cross pen which is better quality seems to be limited. Anyway Parker pen also not bad.

Last time they just send the Xclusive card by post and no gift. Yes, so long as you are in the joint acct, they just add up and if >300k, you are Xclusive member !

OK, getting 2 Parker pens in one visit is still not bad. BR's trick by giving one big bag with the towel which take up a big space. I got 2 of the towels which are still in the packaging.

Was informed the "gold coins" coming in. But did not ask specifically "gold plated" or not. I would not set my expectation too high. I believe it is similar to one of their last year campaign where a gold plated coin was given out for FD depositors with certain deposit level (forgot the amt). Going to collect in next few days.

He meant IBFT. Have been getting free IBFT from SCB for my JustOne acct also.

Mine is JustOne acct, not sure of their other normal CASA if also free ibg/IBFT.

OTC is not free. RM5 for RENTAS.

Yes, only online is free. SCB OTC RENTAS at RM5.

Yes, have been pulling out from SCB for last few months. Have to cancel their PB to avoid the RM100 monthly fees !

They have no new FD promo unlike last year, one of the best, if not the best, at that time 4.5%.

The online IBFT is IMMEDIATE ! You can see the money in the other acct almost the next second !

For RENTAS, I have seen about 1hr later for amt to be shown in the other bank. Also banks would NOT commit on RENTAS, they still advise before noon for amt to be shown the same day (UOB advised me that few years ago).

My BR branch said can send the gifts to the house. But I said I would rather collect it myself. They offer this service for Xclusive members including collecting cheque for FD, delivering the FD cert etc.

Wow, today u guys active talking more on MBB's GIA-i.

I was in BR to renew my FD to 1 yr 4.28%. The gifts promised have not been received by the Penang branch yet. So yygo and sandkoh has to be patient until next week. You guys asking to see the gifts.

Found out more info on BR's FD. If FD is matured, we have up to 2 weeks to renew it to new promo rate, instead of auto renew to board rate (provided the promo rate is still running at that time). We can even top up cash say 2 weeks later to the matured FD and get the current promo rate. There may be some intricacies in this situation. Anyway that was what I was told today. The FD will back date to the original maturity date.

That shows BR's flexibility !

One more thing about nego rate. 50k can start nego though 100k will have better chance. For 5 yrs, we could try to ask for 4.7% or 4.8%. I think guy3288 may be interested in this.

This post has been edited by bbgoat: Apr 15 2016, 06:33 PM

Ya, your humble one is the one that mentioned this few years back. Not sure if I mentioned 0.1% is the max as I did get 0.15% at that time.

But this is not a definite rule as the 0.1% can be broken depending on the sum of money involved. The recent 4.5% is the example.

The current 4.28% min 25k will end on 30th April. But beware as officially they said there is no nego on promo rate. So meaning we have to nego based on board rate 1yr 4.1%. A bit tricky there.

This post has been edited by bbgoat: Apr 15 2016, 07:33 PM