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 Fixed Deposit Rates In Malaysia V. No.12, Strictly for FD Discussion Only

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BoomChaCha
post Mar 24 2016, 01:36 PM

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QUOTE(msa9696 @ Mar 23 2016, 09:42 PM)
No need open savings account so you just deposit and get the cert? That day the girl kept insisting that I must open a savings account and they must issue an ATM card and online pin to me. I keep asking the reasons and they said now is the standard practice. I told them not all banks required and she insist. So I have no choice but just to open. Opening account took me 45 min but then processing FD at counter only like 5 min. If opening account not necessary then I'm going to write in to them asking why the inconsistency.
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No, no need to open a saving account.
Yes, I just went to the counter to place this FD and then got the FD receipt within 10 minutes.

In fact, I do not have a saving account in UOB.

Ha ha.. biggrin.gif
I think the UOB girl wanted to make incentive lah...

Why need to open a saving account? Unless if the interest needs to credit to the saving account.

Next time happen like this again, you can say you want to talk to the Branch Manager to confirm...


Hong Leong FD Special Offer but need to deposit to Saving Plan sweat.gif sweat.gif
With one free luggage bag..

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This post has been edited by BoomChaCha: Mar 24 2016, 01:40 PM
cherroy
post Mar 24 2016, 01:40 PM

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QUOTE(wjchay @ Mar 24 2016, 10:51 AM)
This brings me a point where I don't understand why banks are still insisting on counter fd while the technology is there for efd? This counter ransactions overhead is probably lose-lose for both parties.
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Counter FD - the counter can ensure the money come from other banks, aka fresh fund.

e-FD - existing fund in the same banks, although one may argue the "fresh fund" status can be tracked back, but the online banking system is not coded to track for this purpose.

Mind that, the reason why bank want to do promo FD is to attract more or extra deposit into their bank, aka to increase their deposit base.

Shifting current/saving account to FD through online banking, the banks earn nothing in the process nor meet the intention of having promo FD.

newbiz2008
post Mar 24 2016, 02:21 PM

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QUOTE(msa9696 @ Mar 23 2016, 09:56 PM)
Exactly same here. Went OCBC Puchong branch and made to do the same. Waited like about half an hour.
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Why don't you opt for auto credit into your ocbc bank account upon maturity of your FD. I had my 15 Months Promo FD auto credit back to my ocbc bank account upon maturity. hmm.gif
newbiz2008
post Mar 24 2016, 02:23 PM

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QUOTE(adele123 @ Mar 23 2016, 09:14 PM)
Bank draft, ib, etc..
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Use RENTAS (RM 5++) or Instance Rentas (Fee rm 9++)
newbiz2008
post Mar 24 2016, 02:25 PM

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bro any fd promo on going as my fd 33000000 is about to mature soon.
yygo
post Mar 24 2016, 02:41 PM

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QUOTE(newbiz2008 @ Mar 24 2016, 02:23 PM)
Use RENTAS (RM 5++) or Instance Rentas (Fee rm 9++)
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bro, rentas is rentas, no instant rentas! tongue.gif

QUOTE(newbiz2008 @ Mar 24 2016, 02:25 PM)
bro any fd promo on going as my fd 33000000 is about to mature soon.
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33000000 wo wo! serious? devil.gif devil.gif

raptor_cZn
post Mar 24 2016, 02:54 PM

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Anyone know of the new 5+5 FD promo from Maybank?

Tried searching for it on their website but could not find it. Only got to know about it when I asked at the counter.

Basically they are giving 4% for the first 5 months, then rollover the next with 5 months with a rate of around 4.5% I think.
newbiz2008
post Mar 24 2016, 03:00 PM

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QUOTE(yygo @ Mar 24 2016, 02:41 PM)
bro, rentas is rentas, no instant rentas! tongue.gif
33000000 wo wo! serious? devil.gif  devil.gif
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33000000 rupiah
newbiz2008
post Mar 24 2016, 04:15 PM

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QUOTE(wjchay @ Mar 23 2016, 09:27 PM)
I think they are trying to convert you to premier banking or trying to sell you something. Must be a big sum you were withdrawing?
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UOB 4.5% 12 months FD promo still on going?
wjchay
post Mar 24 2016, 04:19 PM

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QUOTE(newbiz2008 @ Mar 24 2016, 05:15 PM)
UOB 4.5% 12 months FD promo still on going?
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yes, I just got SMS this morning.
yygo
post Mar 24 2016, 04:31 PM

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QUOTE(newbiz2008 @ Mar 24 2016, 03:00 PM)
33000000 rupiah
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wait for 5% fd promo. devil.gif devil.gif
HarpArtist
post Mar 24 2016, 09:52 PM

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QUOTE(yygo @ Mar 24 2016, 04:31 PM)
wait for 5% fd promo. devil.gif  devil.gif
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rupiah can easily get 5% < laugh.gif
wil-i-am
post Mar 24 2016, 11:15 PM

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QUOTE(anwa @ Mar 24 2016, 01:24 PM)
Not sure if anybody have posted here, didn't see it on the 1st page.
Just received message from Maybank RM, 1 year pure FD 4.22%. Not such promo till when.
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Any T&C?
penangboy61
post Mar 24 2016, 11:25 PM

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Just wanted to share something. It maybe known to you guys but new to me. Maybank eGIA , when uplifting before due date(20/4) interest was received for the few days after last rollover. In my case last due date was 20 Mac and it was on auto rollover. I uplifted today(24/3) and was given the few RM(equiv. to 4%pa) for the 2 days. rclxms.gif Normally I understand if on counter FD(monthly ) There will be no interest or nominal interest paid.

This post has been edited by penangboy61: Mar 24 2016, 11:27 PM
newbiz2008
post Mar 25 2016, 06:15 AM

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QUOTE(wil-i-am @ Mar 24 2016, 11:15 PM)
Any T&C?
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Fresh fund 10k and maybank acc
newbiz2008
post Mar 25 2016, 06:17 AM

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QUOTE(wjchay @ Mar 24 2016, 04:19 PM)
yes, I just got SMS this morning.
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I called uob customer service they told me 4.5 promo had ended.
TSAh SiAnG
post Mar 25 2016, 07:24 AM

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This post has been edited by Ah SiAnG: Mar 25 2016, 07:24 AM
HarpArtist
post Mar 25 2016, 07:49 AM

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QUOTE(newbiz2008 @ Mar 25 2016, 06:17 AM)
I called uob customer service they told me 4.5 promo had ended.
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i heard that today is last day hmm.gif
yygo
post Mar 25 2016, 08:12 AM

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QUOTE(newbiz2008 @ Mar 25 2016, 06:17 AM)
I called uob customer service they told me 4.5 promo had ended.
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u called them yesterday? hmm.gif

QUOTE(HarpArtist @ Mar 25 2016, 07:49 AM)
i heard that today is last day hmm.gif
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asked uob 2 days ago, no quota on tis & supposed to end by mar 31st. u heard fm where? hmm.gif
HarpArtist
post Mar 25 2016, 09:43 AM

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QUOTE(yygo @ Mar 25 2016, 08:12 AM)
u called them yesterday? hmm.gif
asked uob 2 days ago, no quota on tis & supposed to end by mar 31st. u heard fm where? hmm.gif
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from uob snr staff. ampang branch

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