Fixed Deposit Rates In Malaysia V. No.12, Strictly for FD Discussion Only
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 Mar 31 2016, 01:03 PM
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#1
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Junior Member
637 posts Joined: Jul 2012 
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QUOTE(filage @ Mar 31 2016, 12:47 PM) For Maybank i-GIA, is there no penalty on early withdrawal? If I put 3 months tenure but withdraw it after 3 days, then the principal should be returned to me together with interest of 3 days? yes you are right. u should see the final amount (principal+interest) before you click on "confirm" to withdraw. This post has been edited by harmonics3: Mar 31 2016, 01:04 PM |
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Apr 13 2016, 03:13 PM
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#2
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Junior Member
637 posts Joined: Jul 2012
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QUOTE(sandkoh @ Apr 13 2016, 02:47 PM) confirmed that hlb ibft/ibg free. i was surprised when making transaction online. ya, free until 31-Dec-16. |
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Apr 23 2016, 01:52 PM
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#3
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Junior Member
637 posts Joined: Jul 2012
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QUOTE(bbgoat @ Apr 23 2016, 11:53 AM) SCB FD matured today. 15 mth 4.5%. Have changed the Renewal Instruction 2 to terminate and place all in the JustOne acct few months back. So today all appeared and transferred amount out. Doing this saved me one trip to SCB on Monday. Remaining FD there still Renewal Instruction 2. may I know what's the daily transfer limit for SCB? I have 1 FD maturing next week and thinking of transferring the balance using IBG or IBFT.So now ready for some action on Monday.  |
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Apr 23 2016, 02:30 PM
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#4
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Junior Member
637 posts Joined: Jul 2012
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QUOTE(bbgoat @ Apr 23 2016, 02:03 PM) 50k, but u have to set it in the system. Free ibg/ibft. So use IBFT. great  |
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Apr 26 2016, 10:32 PM
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#5
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Junior Member
637 posts Joined: Jul 2012
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QUOTE(MNet @ Apr 26 2016, 09:11 PM) Subsequent eFD for GIA also need to go through same step do u mean the multiple yes/no questions to be answered before placing new eFD GIA? Just click all yes and proceed to place the eFD. Guess just started very recently... |
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May 3 2016, 04:13 PM
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#6
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Junior Member
637 posts Joined: Jul 2012
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QUOTE(jay010 @ May 3 2016, 03:05 PM) For Scb FD... If matured on 4/5/16 means I can withdraw the FD on that particular date or the next day? Thanks should be the day itself. |
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May 7 2016, 10:22 PM
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#7
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Junior Member
637 posts Joined: Jul 2012
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I have PBB step-up FD maturing tomorrow (Sunday), will I get 1 day interest if I uplift on the following day, Monday?
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May 9 2016, 12:43 PM
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#8
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Junior Member
637 posts Joined: Jul 2012
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[quote=bbgoat,May 8 2016, 08:21 AM]
Ask the counter staff when u withdraw the FD. I got it when I asked them about it. Yes ! Well, I got the 1-day extra interest for today (my public bank step-up FD matured yesterday) @ board rate (3.2%p.a. instead of the last 4-month promo rate at 4.38%p.a.). Different from Maybank which pays the 1-day interest at the last applicable promo rate. Worse still public bank even round off the 7 cents to 5 cents!! Maybe that's why public bank is so profitable  every cent counts!!This post has been edited by harmonics3: May 9 2016, 12:43 PM |
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May 9 2016, 12:57 PM
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#9
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Junior Member
637 posts Joined: Jul 2012
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[quote=bbgoat,May 9 2016, 12:49 PM]
Well, I got the 1-day extra interest for today (my public bank step-up FD matured yesterday) @ board rate (3.2%p.a. instead of the last 4-month promo rate at 4.38%p.a.). Different from Maybank which pays the 1-day interest at the last applicable promo rate. Worse still public bank even round off the 7 cents to 5 cents!! Maybe that's why public bank is so profitable every cent counts!![/quote] Oh, did u ask or they just gave it to u ?  Those banks that adj the mature date to working days like UOB, BR etc, pay the interest at the promo rate. But others like RHB and AmBank when asked about the interest, only calculate the add'l interest at board rate. MBB and PBB wise I am not sure as last time I did not calculate it when they gave it to me. [/quote] I did ask and it seems that it's a standard practice for them to pay the 1-day interest for withdrawal on the following day after the maturity date which falls on a non-working day. The staff told me if I withdraw tomorrow then not entitled to the 1-day extra interest. |
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May 21 2016, 01:55 PM
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#10
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Junior Member
637 posts Joined: Jul 2012
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