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 OCBC 360 Savings Account - Up to 3.25% Interest !, Get higher interest on your savings acct

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LostAndFound
post May 29 2019, 10:18 AM

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QUOTE(Ramjade @ May 29 2019, 04:36 AM)
Not good idea. Credit card SST RM25 vs Debit card RM8.
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Credit card rewards value - RM25

vs

Debit card rewards value - RM8

Which one higher?
LostAndFound
post May 29 2019, 01:48 PM

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QUOTE(shuin1986 @ May 29 2019, 12:44 PM)
So even if the cc has no annual fee it still has SST rm25?
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All CC has SST (charged by and paid to government). Nothing related to the annual fee (charged by and paid to bank).
LostAndFound
post May 31 2019, 09:41 AM

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QUOTE(majorarmstrong @ May 31 2019, 09:30 AM)
thanks - i have just a very simple and stupid question
i saw a lot of comments about transferring 3 times to 3 different bank, is it possible to transfer 3 times to 1 single bank and still qualify for the bill payment interest bonus?
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I was informed that 3 times to 1 single bank only counted as 1. Did not test.

This post has been edited by LostAndFound: May 31 2019, 09:42 AM
LostAndFound
post Jun 5 2019, 10:14 AM

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QUOTE(syaaron @ Jun 5 2019, 10:11 AM)
My this month bonus interest seems like not logic :
Example:
Apr interest credit = 2.45, 360 bonus interest = 5.85 (*3)
May interest credit = 2.40, 360 bonus interest = 11.08 (*3)
In logic my May interest credit (0.5%) should be higher than Apr also right , since my 360 bonus interest in also higher ?
Anyone's having pattern like this also ? Waiting reply from OCBC
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After OPR cut, the interest rate changed. The interest credit is now lower, with the bonus interest pushed up to compensate. Total is still 4.1%. You would know this if you had read just the last page only:-

QUOTE(kopi29 @ May 9 2019, 05:38 PM)
it is still 4.1% but base interest reduce to 0.2%, while  bonus interest increase to 1.3% per each bonus category.
it is still 4.1% overall, but what will be the impact of reducing base interest?

user posted image
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This post has been edited by LostAndFound: Jun 5 2019, 10:15 AM
LostAndFound
post Jun 6 2019, 07:59 AM

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10k BP deposit only makes sense if you have no better CC to top it up with. PBB visa signature and quantum Master, SCB JustOne Platinum, MBB Barcelona, AEON Big CC.... all much better than Titanium.
LostAndFound
post Jul 3 2019, 11:02 AM

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QUOTE(infiniti123 @ Jul 3 2019, 09:44 AM)
am i correct to say that OCBC wouldnt be the ideal situation if the Saving account is a inactive account,only monthly bank in money, not using it to pay bills or spend 500RM
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You can make an inactivate account 'active' by 'using it'. Pay bills includes any transfer out (including to savings accounts). Spending can be done to reload Boost/BigPay for example.
LostAndFound
post Jul 8 2019, 09:54 AM

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QUOTE(UrbanGraduate @ Jul 7 2019, 07:56 PM)
Nice sales pitch. Will park money in FD and ASNB though
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And you post that reply for....?

If you prefer tied down FD compared to savings (with higher return), go ahead.
LostAndFound
post Aug 30 2019, 11:03 PM

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QUOTE(B u B u @ Aug 30 2019, 01:39 PM)
Can i open joint-name for this 360 account? If yes OTP can send to 2 phone?

Lets say I have 100K this month in 360 account, and i fulfill all the condition. Meaning I will receive 100K x 4.1% interest on that month ?

tq
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The above example shows, but I will just re-state clearly. You WILL NOT receive 4.1% interest on that month. You will receive approximately 4.1%/12 (since 4.1% is the annual interest rate).
LostAndFound
post Jan 17 2020, 04:28 AM

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QUOTE(Eurobeater @ Jan 16 2020, 11:40 PM)
One question. Does ATM withdrawals count as "spending" on the debit card? The TnC does not appear to exclude it.

My thinking is that with just RM500, i can just withdraw the cash with the debit card, make it count as a "spend" and deposit the RM500 the next day so it can count as the "deposit".
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ATM withdrawals are definitely not spend, you think a bank doesn't have category for withdrawal?

Just swipe it to your ewallet la, why so hard?
LostAndFound
post Jan 17 2020, 06:05 AM

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QUOTE(Eurobeater @ Jan 17 2020, 05:45 AM)
Coz as much as possible, i prefer to spend using a credit card from another bank. OCBC's cards are a bit sucky on CC rewards
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Debit card reload to BigPay (for example) do not take up your 10k CC quota. Really zero reason NOT to do that.
LostAndFound
post Jan 29 2020, 10:30 AM

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QUOTE(cucikaki @ Jan 29 2020, 10:27 AM)
360 is 3.6%
Booster is 3.9%

Confirmed
*
Any link?
LostAndFound
post Jan 30 2020, 10:31 AM

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QUOTE(ThorWP @ Jan 30 2020, 09:54 AM)
Scb pri no change in rate?
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No one seems to know, we don't even have any thread for that...
LostAndFound
post Feb 7 2020, 08:30 AM

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QUOTE(mamamia @ Feb 6 2020, 11:46 PM)
Let’s BNM to judge
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Yeah just wait for BNM. Anyone who got the call should immediately forward their email to Bank Negara. My wife just waiting for call now.
LostAndFound
post Feb 7 2020, 10:20 AM

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QUOTE(loserguy @ Feb 7 2020, 09:18 AM)
Hmm, 0.5% for RM100k is RM500. Taken over 21 days out of a year, it's only <RM30.
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Sending email and answering calls costs you more than RM30 is it?
LostAndFound
post Feb 7 2020, 11:06 AM

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QUOTE(loserguy @ Feb 7 2020, 10:37 AM)
Just let it go? Plenty of other fish in the sea. SC Privilege Savers is another option. Some super discounts in the share market early this week. SSPN extra 1% interest. etc etc.
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Why not both? I'm already planning to move money to SC Privilege Savers, but what we're complaining about is January amount (and possibly till Feb 19). This is money you can't throw to other fish in the sea unless you got time machine.

If you're saying the amount not worth the time then you got a point la. If you're saying just go for something else, that would only make sense if you say it last month not now.
LostAndFound
post Feb 7 2020, 11:23 AM

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QUOTE(cucikaki @ Feb 7 2020, 11:22 AM)
Immediate if u transfer outside. Just that when u pay SCB own CC from SCB account, it could screw u over coz sometimes it’s not instant. No idea why. When u pay it increase ur CL, but tomorrow u check u’re back with ur old CL, the day after baru it is reflected again. So to be save, transfer to other bank, then other bank transfer to SCB CC. Like that no problem
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Did not realize other bank instant transfer to SCB CC is faster than internal SCB. I just got the habit of paying 1 day earlier. Gotta try it this statement cycle, thanks!
LostAndFound
post Feb 9 2020, 03:37 AM

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QUOTE(zenquix @ Feb 8 2020, 11:17 PM)
They insist their formula is add all your daily balance together / 31 * 1.15%/365*31 (note that regardless of what they say - they still count the interest like it was daily instead of monthly  /12 ))
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That's what 'average monthly balance means' after all?
LostAndFound
post Feb 18 2020, 11:41 AM

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BNM response is stock:-

Tuan/Puan,

Aduan terhadap OCBC BANK (MALAYSIA) BERHAD 

Kami merujuk e-mel tuan/puan perkara di atas.

2. Pihak OCBC BANK (MALAYSIA) BERHAD dikehendaki mengambil tindakan berhubung isu-isu yang dibangkitkan dan memberi maklum balas terus kepada tuan/puan dalam tempoh dua minggu dari tarikh surat ini. Pihak OCBC BANK (MALAYSIA) BERHAD dikehendaki mengemukakan satu salinan surat maklum balas kepada Bank Negara Malaysia (BNM) untuk tindakan kami. Kami akan meneliti penjelasan OCBC BANK (MALAYSIA) BERHAD dan memberi ulasan sewajarnya, sekiranya perlu.

3. Sebagai pengawalselia Penyedia Perkhidmatan Kewangan (PPK), peranan kami adalah untuk memastikan pihak PPK mengendalikan perniagaan instutusi kewangan secara adil, bertanggungjawab dan profesional. Pihak BNM hanya mengendalikan isu-isu berkaitan pelanggaran undang-undang dan standard yang dikawalselia oleh pihak BNM. Pihak BNM tidak mengendalikan pertikaian komersil di antara tuan dan pihak PPK termasuklah mengarahkan pembayaran gantirugi oleh PPK.

4. Pihak tuan/puan boleh merujuk kepada piagam pelanggan kami di laman sesawang BNM www.bnm.gov.my untuk maklumat selanjutnya.

Sekian, terima kasih.

Sekiranya pihak PPK tidak mengemukakan sebarang maklum balas secara bertulis di dalam tempoh yang ditetapkan, sila hubungi pihak kami dan gunakan nombor rujukan kami di atas.

s.k: OCBC BANK (MALAYSIA) BERHAD
LostAndFound
post Feb 18 2020, 01:54 PM

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QUOTE(!@#$%^ @ Feb 18 2020, 11:49 AM)
lol, basically they dun wanna get involved
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QUOTE(avinlim @ Feb 18 2020, 01:45 PM)
lol...bnm doesn't want to get involved and OCBC already response to customers email. case closed. we bear 0.6% interest lose for 29 days.

life goes on.
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Like I said, stock letter. OCBC will be required to reply and CC BNM, then BNM will see if its reasonable.

How you two concluded 'don't want to get involved'?
LostAndFound
post Feb 19 2020, 06:05 AM

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QUOTE(!@#$%^ @ Feb 18 2020, 01:57 PM)
for me, there's a reason why this particular statement is added.

"Pihak BNM tidak mengendalikan pertikaian komersil di antara tuan dan pihak PPK termasuklah mengarahkan pembayaran gantirugi oleh PPK."
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What do you think is the difference between "commercial" and "consumer"?

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