Isn't all banks are like that? Go customer service counter, take no, then wait your turn and then go to the counter? Of course priority banking different story.

It was in his blog. You don't need to transfer money out. Just sign some forms. You get 4.1% instead of the 4.2%

This post has been edited by Ramjade: Mar 30 2016, 01:16 PM

For me, personal experience HLB, SCB, Affin, cimb, maybank all take no from customer service counter first, then wait your turn to be call to the counter.

Oh, you misunderstood me. What I meant is that FD will not be renew at board rates but will be renew at say 4.1% upon maturity. Promo rates is 4.2% but RM help to get 4.1%. I think when he was offered 4.1%, he took it cause no need to go to another bank again. Not sure which post already.

This post has been edited by Ramjade: Mar 30 2016, 01:27 PM

They cannot beat Maybank 4.38%

Front page. Posted by captain

How I know. I thought is updated. Some more is updated in March.

Fair enough. You better update front page. Apparently that maybank 4.38% is no more. Can't be sure as captain blog indicate still got. Last update was 22/1/2016 which was quite recent.

Also included in Nom-el method on how to get higher than 4.5% FD rates using combination of Maybank GIA-i and Hong Leong Pay and Save. Very useful especially now when all FD rates are < 4.5%

This post has been edited by Ramjade: Mar 31 2016, 08:40 PM

Call or give them a visit to confirm.

Fresh fund. Fresh fund which means money must not come from RHB usually minimum rm10k. Say I want to put FD for the whatever promo rates you have. If you know the rates, even better. Make their work easier (if they are running >1 FD promo). Ignore any offers for UT/insurance (bank workers love selling products - you might get those offer if your FD value is large)

In the event need to open SA. Ask for BSA. Is FOC. Need only minimum rm20 inside. No need to pay anything. (usually banks will not give you BSA as they need to reach target for their other SA and they cannot earn anything from that BSA). This applies to all banks (free BSA). If they refuse to let you open BSA, threaten you will complain to BNM and they will give you a BSA.

Usually they will auto-renew back to board rates (3.x%) unless you specify that you want the money moved to your RHB SA. So if you don't remove the FD, you will be getting only 3.x% while maybe they/other banks are running a new promo giving 4.x for the same duration. Letting it auto-renew makes you lose out ~1% to banks.

Hope this answer some of the questions. For other question wait for other forum members.

This post has been edited by Ramjade: Apr 4 2016, 02:52 PM

BSA = Basic savings account (All banks in malaysia have this - only they are not usually promoted/default choosen)

Transfer all into SA or move your money to another bank. 2 methods. (if you are placing promo FD at another bank)
1) IBG/IBFT the money out from your SA upon maturity to another bank SA. (check out whether banks accept that as fresh funds)
2) Upon maturity, use banker cheque and bring that banker cheque to another bank.

Usually autorenew at board rate.

Transfer to another bank SA, transfer/use banker's cheque to bring money back to RHB again to be eligible for new promo FD by RHB. Or else don't expect to get promo rates.

This post has been edited by Ramjade: Apr 4 2016, 03:21 PM

Since you have a pay&save savings account, maximise it to earn>4.5% when banks are not giving 4.5%FD anymore.
http://ringgitstretch.blogspot.com/2016/03...e-interest.html

No. But it is available online at flat rate 4% good for 1-2 months eFD. No banks offer that high rate, with flexibility to withdraw and don't need rm10k. RM1k also can put.

This post has been edited by Ramjade: Apr 5 2016, 04:26 PM

If you look carefully, can see a 3 there.

So boys and girls, lock into high interest FD now. Don't hesitate.


http://www.thestar.com.my/business/busines...t-vs-us-dollar/
Unker Bones, your 5% FD dream no more liao.

This post has been edited by Ramjade: Apr 7 2016, 03:33 AM

Hopefully maybank don't do anything cause if lots of people exploiting that hole, they might make losses and stop it all together.

Technically you can. Uplift to your maybank account via online > go to Maybank counter > withdraw from your account

Officially, I don't know. the above takes like only 5 minutes of your time (uplift you your account)

This post has been edited by Ramjade: Apr 15 2016, 07:10 AM

Source?

Applies only if you uplift earlier than maturity date. If you uplift on maturity date, you will get the fill amount.

Maybank eGIA-i 4%p.a.
For 1 month placement need rm5k
For 2 months onward min rm1k.

Even if you place for 60 months, but if you withdraw 3 days later, you get 4%p.a interest of the 3 days.

They give you 5.75%p a for the 10-12 month. Effective rates < 5.75%. 5.75% is marketing trick to entice people to put FD with them without reading/understanding.

This post has been edited by Ramjade: Apr 18 2016, 10:40 AM

cybpsych will maybank eGIA-i rates change if opr goes down?

Gold-plated. Not real gold.