50k, but u have to set it in the system. Free ibg/ibft. So use IBFT.

Did not ask on that. Have FD due in May in BR ?

This post has been edited by bbgoat: Apr 23 2016, 05:53 PM

I have done twice recently renew and got promo rate. I top up on my own accord. But better for you to call up the branch to be 100% sure. I think Wiliam also renew recently to 4.28%.

Thanks for the confirmation !

Human Nature, I think must meet the requirement like min 25k as well.

This post has been edited by bbgoat: Apr 24 2016, 08:36 AM

Why ?

For short term, can put in HL 3 mth 4.2%.

Haha, tomorrow may be going to UOB for their 4.3%. But would be interested in UOB's May promo as well.

Not kan cheong. Cannot leave eggs unattended. Losing interest ma ........................

Also cannot keep eggs under the pillow while waiting for 5% FD.

This post has been edited by bbgoat: Apr 24 2016, 12:12 PM

Ya, small funds keep in high yielding SA then sikit sikit jadi bukit. Go for FD promo. But larger funds, not worth waiting as the loss from interest earned is high by the time higher FD promo comes, IF IT EVER COMES !!

Asked this morning. Reply is till 31/5.

Renew also can. Min 25k.

Let me know next time u carry a lap top bag to the bank. Hehehe !

Hopefully they may extend it beyond May.

In UOB to place new FD, 12 mth 4.3%. Was advised not to split the FD into multiple certs. UOB allowed termination of FD with blocks of 1k without affecting remainder sum. So stayed with 1 cert. Actually forgot about this as was told before on this. Fast, done within 5 minutes.

The 4.3% promo will end on 31/5, min 10k fresh fund.



This post has been edited by bbgoat: Apr 25 2016, 08:52 PM

As far as I know, hard to nego with UOB. Only when there is no promo, then can ask for higher rate, hardly called nego. Small, small increase only. So that time I moved to another bank with promo rate.

BR you have to call and nego with them. Call them.

But now with no banks offering 4.5%, the chances are slimmer. But can still try.

HQ is even better.

OCBC lowering the promo rate. UOB's 4.3% supposed to be until end of May. Next week has planned to go there again, keep it there, UOB !

Thanks for the explanation !

Last year I have PBB step-up FD. For the second 6 month rate, they changed it from 4.08% to 4.28%. That was because after I placed that FD, they came out with another promo with higher rate.

So if they could raise the second step-up rate, they could also reduce it if OPR drops ? I was kind of unsure about this.

Anyway, I still have PBB step-up FD currently running.

This post has been edited by bbgoat: May 1 2016, 10:38 AM

Haha, I think u mixed up 2 posts. The last question should be addressed to my post.

I am not the only one that has the FD revised upwards. It was FD 1/10/2014 till 1/10/2015. The rate was supposed to be 3.68%/4.08% for the 6 mth cycles. Then in Nov 2014, they revised the FD offer to second cycle to 4.28% (first cycle I think they also raise it but I cannot recall that cycle). Then they announced in their web site that those who placed the FD earlier will have the revised rate automatically. I think they wanted to keep earlier customer from redeeming it after 6 mth.

I think I first read it here and probably Captain Gen-X was the first one that mentioned it here also. Or someone else ?

Anyway the FD cert has been re-deemed, not with me any more.

But there are some of us who should get the same thing as I mentioned. It was discussed here as well. I think u have missed it back in Nov 2014.

Any seconder ? If one goes back to the old forum, should be able to find that it was discussed there.

This post has been edited by bbgoat: May 1 2016, 05:50 PM

Ya, their last promo of 12 mth 4.18% is kind of low compared to other major banks. But they still advertise heavily in newspaper. Hope they can have higher rate for new promo !

Can try BR 60 mth 4.5%. >50k can nego higher for 60 mth.

Well in here, there are people going for 60 mth already. Hard to say, depends on individual ! What if interest rate down ?