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Fixed Deposit Rates In Malaysia V. No.12, Strictly for FD Discussion Only
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ikanbilis
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 Feb 23 2016, 01:21 PM
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QUOTE(Nom-el @ Feb 23 2016, 12:34 PM) Would like to ask anyone here with experience with HSBC Advance current account. Did you need to close your Advance account to avoid paying the RM10 per month account fee after withdrawing the 5% promo FD? I transferred all my money out from the account after the maturity of the 3 months 5% promo FD meaning the account balance is RM0 now. So, would the account be automatically closed after a while or do I still need to go to the branch to close it manually? Would I still be charged the monthly fee if I leave it as it is currently. Thank you. Better go and close. Or u could convert to a statement savings but conversion is slow. After I sign the form for 10 days the hq still not yet convert and they continue to charge me 10.60. So I lut them kow kow and cc the email to bnm. After a few days my account is converted and 10.60 reversed from my account. |
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ikanbilis
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Mar 2 2016, 03:10 PM
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QUOTE(cherroy @ Mar 2 2016, 02:09 PM) Another factor is trust. We tend to trust a bank more than another due to convenience, and service quality we experienced as well as how well it is being run. Also, Mr Lim may not want to deposit in Bank A, even the bank gives him 4.5% if bank A had history run into losses during economy difficult time. Rate alone is not absolute factor. There are other consideration and individual preference as well. Btw, 2.x% car loan, its EIR is more than 4%. You never can win against Bank by loaning vs FD.  I will put my money in different banks even if getting lower FD rates bcoz the pidm coverage is only 250k per person per bank.  |
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ikanbilis
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May 5 2016, 10:01 PM
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QUOTE(twinkle5129 @ May 5 2016, 05:31 PM) Affin staff is promoting 1:1 stuff. FD 1yr promo only-5% : SIS (15yrs)- (saving + protection) guarantee annual income- interest up to 5.5% -non guarantee. I'm clueless with this type of saving. When you see the word savings plan, 99.9% it's an insurance scheme. Nowadays banks typically likes to use this type of FD combo to fool unsuspecting customers. |
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ikanbilis
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May 8 2016, 04:20 AM
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QUOTE(poor man @ May 7 2016, 09:38 PM) kfh malaysia fd promo Deposit Today. Get Paid in Advance! 12 mth - 4.25% 6 mth - 4.15% The Campaign shall run from 6 April 2016 until 1 July 2016 T&C http://www.kfh.com.my/kfhmb/ep/images/v2/d...2016_060516.pdf2.2 New Participants opting to participate in this Campaign shall be required to open AND maintain an account with KFH Malaysia such as KFH SURE Savings or Current Account-i during the Campaign Period for the purpose of crediting the profit. This is currently the best 12-month deposit in town. Effective rate up to 4.43%. Better hurry up, the campaign limit is only RM155m  . |
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ikanbilis
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May 9 2016, 07:57 AM
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QUOTE(lowya @ May 8 2016, 08:03 AM) dont mind explain how u get 4.43% effective? if that is the case, how come they didnt mention inside the pdf? Deposit rm240k, interest earned upfront = rm10,200 Re-deposit the interest 10200 and earn another interest rm433 Total interest earned : 10200 + 433 = 10633 10633 / 240000 x 100 = 4.43% |
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