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

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.

The eGIA-i is just the term when u placed it online. In the MBB system, it will use GIA-i term. 

Dunno which version should I check, sorry if I asked the repeated question:
may I Know is PBB paying interest if my FD matured on Sunday? Must complain to BNM only get? Or is there any sifu here got their interest once inform to the officer nowadays?

What does this rate refer to or affect? Is it the redemption rate ie on principal?

I get the impression from those who have been using GIA for short term "pocket money" that they get back their principal sum at 100%. Is that what u are referring to? I was also concerned because i remember they say something like redemption of the units at manager's quote/rate on redemption date (what I remember only & maybe not their exact words)

raptar_eric and aeiou228
Your questions are off topic.
Linking does not mean computer so smart can accumulate. You link your savings and current accounts, set them to minimum, and then you want to ask cannot transfer full limit each. Mana ada logic.
The idea of linking - so can use 1 ATM card, 1 pin, 1 login can see and do all linked different accounts. With extra benefit FOC instant transfer any amount available (subject to minimum which must be maintained in Savings Account - RM10). The total is never shown like in a combined statement.
Of course, I never tried to IBFT 200 k. If you have that kind of money, it is smarter to use the PMA cheque because extra free cash. If you understood the explanation, you should figure that out yourself without being told.
If a reader can be provoked to answer or comprehend the implications and bother to work out the situations in the Big Boss and Boss Kiasu stories, he is well on the way to bigger things. If cannot, maybe just attitude or comprehension problems. So cannot master the subject because not so black and white and all sorts of different situation for a susah straight answer. If say A, then like this happen, then no laku. Not like teaching arithmetic, but how to think. So susah like loyar burok or economist - all sorts of if this or that conditions.

I don't think there is need to "micro-manage" on FD too much.

If the sum is substantial, a few RM won't bother much for them generally.
If the sum is not substantial, a few cents won't make much a different.

Sometimes for convenience sake, we need to give and take.
Time and conveniences sometimes is more precious than spending too much time and effort just for "micro managing" on something.

If IBFT limit is 50K, and you have 100K, just perform IBFT/Giro in next day if exceeding the daily limit, first 50K deposit today, another 50k tomorrow, or just get a banker cheque or personal cheque, with cost of Rm0.53+0.15, a merely RM0.68 cents solve all the hassle, instead want to get many account that enable one to send IBFT/Giro with 100K.

"Conveniences" may save one even more.

hahahaha i got reported for this post     

damn lah, i forgot that FD Rates no longer managed by Gen-X. Miss those days 

Back then, I guess because he was the thread starter nobody told him to go to ibg thread to discuss ibg & rentas & whatever other fund transfer methods ... and he did talk and shared info about them in the FD Rates thread. hahaha i guess only because he was the thread starter???

https://forum.lowyat.net/index.php?act=Sear...ts&highlite=ibg

Miss those days 

Experienced with one bank separate IBG and IBFT limit one, so totally combined limit can be transferred become 50K+30K.

Thanks for the suggestion.
I do not usually want to write or blog, but only becuz questioned or the point raised. The answers are not really that simple as mistakes or situations are not fully disclosed which is their right, but makes it difficult to give a reply that will  be of any help in 3 sentences. There are so many non-standard situations, that makes writing/replying difficult.

Just a quick update, running to airport. Going to be back in a week's time.

Yesterday went to Affin to place the 4.5% 12 mths. Lots of people (mainly Chinese !) there ! Confirmed that it is still limited to selected branch. So Penang island just the Light Street and Bayan Baru branch. Quota 500 mil.

Hopefully next week still available when I am back !

Good luck and next week hopefully can get better promo ! 

In my few years of fd placing, i never got even 1 gift, dun say a pen..

Why like this one ?



Do u guys ask for it ? Or they sendiri giv to you?

I once ask at hlb main branch.. they told me, u ad got promo rate, you want free gift somemore ???

Then i say.... oo nevermind, asking only..

BNM will hold next OPR meeting on 13/7..

wonder if have rate cut or maintain? any hint?

Wow bnm is expected to lower the rate..
So guys faster go 'Lock' your FD...

Maybe as d current rate of 4% is attractive

They opened a HL Islamic SA for me (no bank book and card) and transferred my matured HL to this new account.

Can choose either 4.1% for 6 months or 4.2/4.25 (cant recall) for 12 months.

Affin TTDI no need 200k to enjoy 4.5%.....

Affin bank branches are usually not crowded. When I went there just now, there werent anybody in the bank but I had to wait for 5 mins before they called my number. If not for the 4.5%, I wouldn't even walk in to that bank. 

Malaysian interest rate could be cut in December: StanChart
http://www.thestar.com.my/business/busines...e-in-september/