Used to park at ambank islamic efd 1 month at 3.25% min RM1k until found out about eGIA-i

Can be online or over the counter. If online is eGIA-i. Yes. Anytime. But got time until 10pm if I am not mistaken. Not like normal eFD.

Any option is alright.

1. Yes. No need documents. Yes.
2. No. Cauae this is maybank. PIDM will only come into effect if maybank bankrupt. Maybank reputation is at stake. If they lose the money, in the future if they introduce similar product, no one apply. Rugi lo. If bank rakyat or mbsb, maybe yes. Maybank, not worried. If yoi are kiasi, go for ambank islamic efd 3.25%. Need min rm1k only.
3. Yes. Interest will even be given if you uplift the very next day.

This post has been edited by Ramjade: Jun 17 2016, 02:52 PM

Only for the first placement.

You can't uplift on the same day. Need to wait until tomorrow.

Just try changing term but leave everything blank. Btw, term not important. You can put for 60 months and withdraw in one month. Still get full interest for 1 month

You can only know how much you get once uou uplift it.

Even one day also you will get interest.

Just say you want to put FD in x currency. Keep in mind that you will lose out on exchange rate. The effective rate will be lower than malaysia FD rates after counting the exchange rate. Personal experience. After that. I never place foreign currency FD with local bank anymore. My returns effectively were 1% p.a.
However, if you are overseas and the FD rates are good,j ust put FD. This is an example of a news which state Indians withdrawing their money from malaysia and park it in FD in India. Got higher rates than what malaysian banks are offering. India FD rates even higher than malaysian promo FD rates.

No. Read my post above. If you want to place those FD, be sure to go to that country and place it. If you place via Malaysian bank, you will lose out on exchange rate.

This post has been edited by Ramjade: Jun 20 2016, 11:14 AM

Best person to answer your question would be Hansel.

Cause they want people to go to branch, have face to face contact and then BAM! Promote all kind of stuff in the hope you will buy.

If give you high rates online, you won't visit branch, how to sell you products?

This post has been edited by Ramjade: Jun 20 2016, 01:21 PM

MACH itu nama je (marketing). End of the day, a bank is a bank and banks always try to make money from you.

You want high FD rates, you have no choice but to go to banks.

This post has been edited by Ramjade: Jun 20 2016, 01:32 PM

RHB and Maybank have push the rates further down to 4.25%. Wonder when other bank will follow.

You will need to look for that special branch offering 4.5%

Sorry no. You will just have to explore one branch at a time

I would recommed that you close M2Savers. Ultilise eGIA-i to the max.

You can set your gaji to be paid to normal account. That's what I am doing. Before this, any excess money from 1 month eFD sure transfer directly into m2savers. But after closing m2savers, I transfer all to normal SA > eGIA-i

Min for eGIA-i is rm1k.

Are you refering to eGIA-i or the GIA-i?

That's correct.

That's the promo GIA-i. Yes the eGIA-i is online version giving 4%. According to maybank page, can.
Maybank GIA-i
Seeing that it's not promo anymore, you won't get 4.5% but only 4%.

This post has been edited by Ramjade: Jun 23 2016, 09:00 PM