lol.. right..

some of my funds while waiting.. put em in smartsavers

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 !!

Got it, thanks.

Gonna be frequently going to BR this month, if no other better promo from other banks.

There's 31k of my funds placed in HSBC FD @ 3.15%, which is pledged for a HSBC advance credit card. Should I touch that FD, the 13k points accumulated will be gone for good

Well, 3.15% of FD interest are very low. You do the maths, have to see how long for that FD matures.

Why would you pledge 31k for a credit card? worth?

That shit matures early June, hope my points will reach 15k that time, redeem, cut, ciao


there was a signup bonus of 5%p.a FD, 10% cashback for card swipes, for applying HSBC advance.
I took both, place 30k for the FD, and pledge it for the card.

The first 3 months were great with 5% interest, but soon it dropped back to board rate, but I couldnt lift it, as it has been tied with the card with 6k points already

That's close to 3 months wait, as said, you have to decide.

While waiting, u may consider to lend me 1st

hi all...received email said the ambank smart savers 2.8%pa will be revised to 1.8% starting from 1st May.

Thanks. Do you mean Am bank true saver?

already discussed here

https://forum.lowyat.net/topic/3592170

Just tutup account. Not worth keeping anymore. Only close after 1/6/2016. Going to do that after the last 2.8% interest is paid (31/5/2916)

This post has been edited by Ramjade: Apr 25 2016, 07:58 AM

Any advice on best way to move funds between 2 banks?

Is it cheaper to buy banker cheque or do EFT or IBG?

Very likely IBG is cheapest @ 11 cents per transaction - just involve waiting time.

Banker's cheque usually RM5 plus few cents more of stamp duty as well as probably GST.

Not very sure about EFT.

But the better version of IBG, that is IBFT (Instant), is not too bad as well if you need express transfer (no waiting). 50 cents plus plus (GST).

Asked this morning. Reply is till 31/5.

Renew also can. Min 25k.

Go to the bank branch withdraw the hard cash out, then transfer to another bank, simple as that
I've benn doing this for the past few years, each time hand carry rm50000, with all rm50 notes

wa.. u so brave.. i always drive kapcai when i withdraw many money.. for example above 200k cash.. i will request for all 100 notes and put it in laptop bag.. lol so ppl thinkinside is laptop

I can't capitalize on d promo

Now I know yo modus operandi