most conventional FDs have this clause in the T&Cs:




In the event the FD Amount is uplifted prior to maturity of the Tenure, the following Association of Banks in Malaysia (“ABM”) rules shall apply:
(a) No interest is to be paid on any FD Amount uplifted before the completion of three (3) months.
(b) In the event the FD Amount is uplifted in the fourth (4th) month onwards the Eligible Customer will receive 50% of the contracted interest earned for the completed months calculated based on the principal FD Amount only.

Be careful with step-up FD as there are 2 types: -

1) rollover where you can withdraw after the end of each cycle & still get the full rate for the cycle
e.g.
Public Bank's PB Step Up FD (3+3+3) & PB FD Xtra Campaign (6+6)
RHB's FD Step-up Promo
Maybank's 5+5 Promo
2) no rollover where you must complete the whole tenure or else there will be penalty
e.g.
Maybank's eFixed Deposit Flexi Campaign
UOB's 11 months Step Up FD

Btw, you won't get half the effective rate after completing 3 months in this case.

Let's take Maybank's eFD Flexi Campaign as an example: -
1 - 6 months - 3.4%
7 - 9 months - 4.7%
10 - 12 months - 5.75%
12 months Effective - 4.31%

You will only get half of 3.4% p.a. instead of half of 4.31% p.a if you withdraw after 6 months.

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