Outline ·
[ Standard ] ·
Linear+
Fixed Deposit Rates In Malaysia V. No.13, Strictly for FD Discussion Only
|
Human Nature
|
Jul 4 2016, 05:06 PM
|
|
QUOTE(Min Hyo @ Jul 4 2016, 04:42 PM) is all the FD promo, will be given cert? lets say i apply FD promo with cimb, can i view the placement through the cimb clicks? Yes, some like UOB just a statement printout. You can view your FD through cimbclicks.
|
|
|
|
|
|
Human Nature
|
Jul 5 2016, 11:29 AM
|
|
QUOTE(lancelyod @ Jul 5 2016, 11:07 AM) hi, noobies here. i have accounts in alliance, rhb and maybank. just gt 10k ready for FD(prefer 1 year maturity). any good plan can suggest to me? btw, fresh funds means i nd i bring cash/cheque/od to apply? Fresh fund means it must be new to the bank. Some banks define new by less than 7 days. The fund can be brought in by cashier order / banker's cheque / IBG / IBFT / cheque and of course cash too. For promos, you can refer to page 1.
|
|
|
|
|
|
Human Nature
|
Jul 6 2016, 02:35 PM
|
|
QUOTE(Deal Hunter @ Jul 6 2016, 01:33 PM) What does not being familiar and account compromised gotta do with daily transaction limit? Totally OT QUOTE(Deal Hunter @ Jul 6 2016, 02:08 PM) on each multiple linked/tagged accounts respectively from aeiou228 QUOTE(Deal Hunter @ Jul 6 2016, 02:28 PM) aeiou228 Totally OT. Please open a dedicated thread to share whatever that you want to share.
|
|
|
|
|
|
Human Nature
|
Jul 11 2016, 02:35 PM
|
|
QUOTE(SmallPotato2011 @ Jul 11 2016, 01:47 PM) Yes. Confirmed this branch also offer 4.5% now... Finally I open my first account with AFFIN bank... Not crowd and friendly staffs... 👍🏻 QUOTE(SmallPotato2011 @ Jul 11 2016, 01:49 PM) AFFIN Jalan Bunus just need 10k and above to enjoy 4.5%... QUOTE(SmallPotato2011 @ Jul 11 2016, 01:52 PM) I know KFH KL Sentral open in weekend so I have drop by last two days. Too bad they told me the account opening staff is not in for weekend... Ask me come again on weekday... 😰 Too bad, so I have choose AFFIN bank now... * KFH KL Sentral staffs are friendly too anyway... Refer here on how to multi quote: https://forum.lowyat.net/index.php?act=faq&article=10
|
|
|
|
|
|
Human Nature
|
Jul 12 2016, 09:37 PM
|
|
QUOTE(bbgoat @ Jul 12 2016, 08:01 PM) Did online termination for last week matured OCBC FD. But daily transfer limit max 10k, have to transfer out few times ! Why can't OCBC increase it to 50k like some other banks !  Assuming the FD with OCBC was placed physically, how do you uplift it online? Was it based on your standing instruction? This post has been edited by Human Nature: Jul 12 2016, 09:37 PM
|
|
|
|
|
|
Human Nature
|
Jul 12 2016, 09:45 PM
|
|
QUOTE(bbgoat @ Jul 12 2016, 09:40 PM) When placed OTC, no SI given. I think anyone can terminate the FD. When we view the FD online, click on the FD and it will show "Withdrawal" as one of the option. Try it and see. You are right, the withdrawal option is there. Good info to know.
|
|
|
|
|
|
Human Nature
|
Jul 13 2016, 11:02 PM
|
|
Anyone recall what was the average 12m FD promo rate when the OPR was 3%?
|
|
|
|
|
|
Human Nature
|
Jul 13 2016, 11:09 PM
|
|
Oh my. That is low. I am hoping for 4.1% at least.
This post has been edited by Human Nature: Jul 13 2016, 11:09 PM
|
|
|
|
|
|
Human Nature
|
Jul 14 2016, 11:17 AM
|
|
QUOTE(tarc2000 @ Jul 14 2016, 10:01 AM) UOB Butterworth. 12 Month 3.2%. But I get a Special Rate: 3.95% at today (14/07/2016) Thanks for sharing. I assume 3.2% is the board rate and 3.95% is the promo rate? ---- I have one FD maturing with CIMB tomorrow, will try to see if they can offer a good rate to keep the fund there. Another FD maturing with BR on Monday, this will just retain at BR but hope to nego at extra 0.05 or 0.10.
|
|
|
|
|
|
Human Nature
|
Jul 14 2016, 01:33 PM
|
|
QUOTE(jasonlim_82 @ Jul 14 2016, 01:16 PM) Bank Rakyat 4.38% promo still valid. just done at HQ this morning. those free gifts like gold coin, etc are applicable for Xclusive customers only QUOTE(TOMEI-R @ Jul 14 2016, 01:28 PM) Please define Xclusive customers... thank you. Pretty unfair that the gifts are only applicable for FD placement at the HQ only. On Rakyat Xclusive http://www.bankrakyat.com.my/rakyat-xclusive
|
|
|
|
|
|
Human Nature
|
Jul 14 2016, 01:49 PM
|
|
QUOTE(jasonlim_82 @ Jul 14 2016, 01:45 PM) actually normal FD deposit (non Xclusive customer) also entitle for certain free gifts such as pen, umbrella, water bottle, etc. this is very much depends the stock availability at each branch. sometimes the staff will give you without u asking, sometimes u may need to ask them Yup, my branch is lousy on the free gifts regardless whether one is a Xclusive customer or not. But for this Xclusive free gift, it is only open for FD placements at HQ. I wouldn't mind getting the vacuum flasks QUOTE BR xclusive staff just told me, they hav a gift for new FD transaction..!
300k - Gold Coin 100k - trolley bag / parker Pen 10k - vacuum flask 5k - Roller pen *only at BR xcluisve centre HQ
|
|
|
|
|
|
Human Nature
|
Jul 14 2016, 08:22 PM
|
|
Can we put 2 names on a banker's cheque? If yes, can either one only is present when using that BC for FD placement?
|
|
|
|
|
|
Human Nature
|
Jul 14 2016, 11:13 PM
|
|
QUOTE(TOMEI-R @ Jul 14 2016, 10:49 PM) QUOTE(nexona88 @ Jul 14 2016, 11:02 PM) Nope.  Alright thanks. The current no promo rate from many banks is creating some uncertainty when I go to uplift and make a BC tomorrow. Different bank have different joint holder account.
|
|
|
|
|
|
Human Nature
|
Jul 15 2016, 01:56 AM
|
|
QUOTE(days @ Jul 15 2016, 01:45 AM) hi, a little help, please. i'm sorry but i don't really understand these things. i'd like to check about fds at bsn. i opened one a few months ago when they had their promotional rate. is it still considered "locked in" or will the rates be revised? (i read about bsn not being pidm protected, don't know what that means  , and on the first page of this thread it says islamic banks' profit rates can't be guaranteed?  ) sorry, if this is confusing, as i don't know enough to ask it better. hope it makes sense. thanks a lot! Don't worry, if you have placed it earlier, means it has been locked up at the promo rate. This post has been edited by Human Nature: Jul 15 2016, 01:56 AM
|
|
|
|
|
|
Human Nature
|
Jul 15 2016, 12:04 PM
|
|
Cimb current promo 3m and 12m both 4%. Min 10k.
Dont know till when as subject to change.
note to self. Cimb BC for fd upliftment is 68cent
|
|
|
|
|
|
Human Nature
|
Jul 15 2016, 12:36 PM
|
|
QUOTE(bbgoat @ Jul 15 2016, 12:32 PM) I thought CIMB BC for PB is 68 cent but for normal is about RM6.  that's what i thought too. maybe they have revised it
|
|
|
|
|
|
Human Nature
|
Jul 15 2016, 04:32 PM
|
|
Just back from BR. Good news is that, still no directive to end the 4.38% promo.
Free gifts out of stock..
|
|
|
|
|
|
Human Nature
|
Jul 15 2016, 08:41 PM
|
|
QUOTE(Cookie101 @ Jul 15 2016, 07:38 PM) Just wondering... Will anyone open up a new account at certain banks just because of the promo rates for FD? Or will you just pick the best rates offered by the bank that you are holding account with? When Ambank and SCB were having good promo rate with interest crediting to CASA, I am willing to open up SA with them. Now no longer having any FD with SCB, so the SA was terminated as well. Recently, I also opened SA with UOB and OCBC for the sake of convenience (IBG). Both are basic type with no fee involved, just need to ensure there is an OTC transaction at least once per year.
|
|
|
|
|
|
Human Nature
|
Jul 19 2016, 08:09 PM
|
|
QUOTE(okuribito @ Jul 19 2016, 07:25 PM) went to take out my KFH upfront interest today. was told yesterday last day for that promo. then asked them if i can get the money out by banker's cheque on maturity - they said no more BC according to BNM directive. Betul kah? haha if <10k can do online transfer at 2.12 per transfer. if >10K, rentas transfer at 5.30 does that sound right? SCB in certain location also no BC.
|
|
|
|
|
|
Human Nature
|
Jul 20 2016, 07:41 PM
|
|
Guys pls stick to FD product only. This thread is already moving fast due to opr change. Need to keep track of the latest promo.
|
|
|
|
|