Wah... which bank let you cheat them until like this ???
4x ipad airs ??? Is ur FD pure FD? Or your fd is tied up with promotional site like ringgit plus / imoney ?
Or your fD is board rate 3% per year ? Haha..

If board rate and get ipad.. ok la, understood. If promo rate + ipad... pls tell me which bank o

Dam!!

U shud ask admin change ur id to "richman" la....

nope just wondering cos i just started with e-gia after one of my longstanding efd just completed its tenure. Since mbb e-fd promo rates are no longer there, thought i move my funds to GIA instead of board rates which is around 3.3 for 12 months..pretty sucky..

dont want to go through the hassle of normal FD on other banks unless they have easy e-fd (call me lazy - i know)

the past few mth i save in bank sa..
bank get this gift i save in sa 1 mth only

Is it SCB? They also gave me an iPad air. After that I transferred out my money to another bank. Haha

Wow very good gift

Agree. E-FD is indeed very convenient. I am more willing to forgo 0.25% to 0.50% from some banks promo rate and stick to the 4% of GIA since my placement is not huge and more importantly I do not have the convenience to visit the bank so frequently.
Placing FD over the counter for board rates does not seem sensible

Just curious about this:


Am I right to assume that at the end of the day, the interest I gain is only 4% * 70% = 2.8%?

^ nope, its 4% end of the day. Ignore the ratio

The ratio is the Islamic Banking way of representing only. Interest kan haram. So they go do business with your money, then the profit they get they will give to you 70% of it.

It just 'so happens' only the rate they give you confirm sure (sort of) 4%.

Oh.. So for my calculation purpose I can assume 4% profit on my end then, right?
Cause I was calculating based on the 70% macam doesn't make sense, too low

What is the t n c for the iPad? How much is required?
Still applicable now?😉

Just ignore the PSR n stick to IPR

First, only refer the first table for the basic (e-)GIA-i rate of 4%.

Second, refer the indicate rate 4% that you get. ignore the PSR, it's just FYI on how the profit ratio is split.

Third, ignore the 2nd table. it's for an old campaign.

If I transfer money from HLB A to MBB today and go to MBB to place a FD two days later, is that still considered new fund?

Based on my knowledge, shld b
Anyway, u may contact MBB directly to confirm

Today is Thursday 7 July. You cannot go to a closed MBB bank to place FD in 2 days on Saturday 9 or if you mean Sunday 10.
If you ask the staff, be careful how you understand bank working days period for fresh funds and how they actually practice it if you want to use their answer in future. There are also questions of interstate transfers (KL, Selangor, Gemas, Tanjong Malim etc) for those staying near state borders. Effects from special state holidays, make-up off days for holidays and last minute holiday declared for some event, besides the states normal off days/working days.

Bansar area hard to find parking - another reason to bye bye. If kfh really opens on weekends, parking at nu sentral is only rm4. I'll call them tmr.

Different banks have different rules on fresh funds.....
Better consult the bank direct.

Their board rates is not competitive

By default, the board rates is low
U need to search for special promo
Btw, Public Bank offers 4.20% for 12 mths FD