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 Fixed Deposit Rates In Malaysia V. No.14, Strictly for FD Discussion Only

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chrisoth80
post Oct 7 2016, 07:16 PM

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QUOTE(ikanbilis @ Oct 7 2016, 02:05 PM)
PM me your name and contact number. After i join RHB premier wealth I will introduce you. However there is no guarantee as bro Bbgoat mentioned must be investment product. We just try our chances as the TNC never mention this.

My question to RHB is who will ever make a RM200k investment product for a mere RM388 incentive?
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I join the premier by deposit more than the qualify amount in fd
chrisoth80
post Oct 7 2016, 07:18 PM

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QUOTE(owodog91 @ Oct 7 2016, 02:16 PM)
From RHB website..it seen like still need to have 10k minimum amount put in CASA.

Now I only know deposit <200k to become Premier only..other TNC I not clear
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You need to maintain 10k in SA if you wanna apply for their premier visa infinite card

This post has been edited by chrisoth80: Oct 7 2016, 07:18 PM
chrisoth80
post Oct 20 2016, 04:25 PM

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I have place fd with UOB today at 4% for 12m. Alliance also have 4% for 12m with min placement of 50k
chrisoth80
post Oct 20 2016, 06:08 PM

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QUOTE(wil-i-am @ Oct 20 2016, 05:39 PM)
Wat is the criteria(s) for UOB?
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I think it depend on individual branch because I ask rm to get approval from hq for higher rate than their ongoing promo on certain amount
chrisoth80
post Oct 20 2016, 10:38 PM

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QUOTE(Kamen Rider @ Oct 20 2016, 05:34 PM)
May i know you placed FD via counter or via online?

Wonder why not via HL bank online Got 4% also... btw i am not supporting any thing, just thinking via online save time and just a few clicks only.
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I place over the counter and choose uob over hlb because the max limit for fpx is 30k rite? I do not want to go through the hassle to make multiple transaction
chrisoth80
post Oct 27 2016, 12:46 PM

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QUOTE(owodog91 @ Oct 27 2016, 10:47 AM)
I submitted all the document d but until now still not yet receive the credit card...Process too slow or I am not entitled to get the card also don't know
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You can try to check on login@rhb under credit card application status to find out. Luckily I have better experience as I receive my card within 7 working days from date of submission thanks to my super efficient rm
chrisoth80
post Oct 31 2016, 05:40 PM

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QUOTE(bbgoat @ Oct 31 2016, 05:05 PM)
Bro ahead of me this time !  notworthy.gif  thumbup.gif

I have not called to enquire for Nov. Thanks for info.

Have FD mature in CIMB, depending on what CIMB can give, may move to UOB.

For OCBC, have FD mature on 5/11, Sat. So going to ask for the 2 days interest on next Monday. One tip is that to claim the OCBC interest over non working days, your FD has to be auto renewal. If it is all go to CASA, then u cannot claim the "lost" interest.

I hope OCBC can give the same rate for matured FD, if not, will move to new home in UOB.  biggrin.gif
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You can try to ask your rm to get special approval for 4% as I manage to get the 4% about week ++ ago. I will check with my rm tomorrow and see if I still can get 4% as I plan to topup
chrisoth80
post Oct 31 2016, 05:50 PM

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QUOTE(bbgoat @ Oct 31 2016, 05:44 PM)
I take it u mean UOB ?  hmm.gif
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Din realize i left out the most important info which you are correct. Its UOB
chrisoth80
post Oct 31 2016, 06:21 PM

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QUOTE(bbgoat @ Oct 31 2016, 05:56 PM)
Yes, I read weeks + ago that one forummer got 4% from UOB. Likely to be u I think. So I did mention here that I will try to ask my UOB RM for the 4%.

Thanks for the confirmation and the info ! thumbup.gif

PS, please let us know if u are successful to get the 4% tomorrow. My fund will only be available either Thursday or next Monday, 2 sources.  biggrin.gif
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I will let you know by tomorrow. hope still can get 4% from UOB
chrisoth80
post Nov 1 2016, 12:57 PM

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QUOTE(lowya @ Nov 1 2016, 09:20 AM)
have u got it?
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Rm is on leave today. Will only let me know by tomorrow
chrisoth80
post Nov 2 2016, 12:33 AM

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QUOTE(bm_kia @ Nov 1 2016, 10:11 PM)
Haha, must be a lot of funds. No limit to how many times FPX we can do right?
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Confirm no limit to no. of transaction for fpx but it took about 20min to get the confirmation for each successful transaction resulted in me having to spent more than 5 hours today to transfer all my funds from mbb gia to hlb efd to enjoy this 4.15%
chrisoth80
post Nov 2 2016, 06:33 PM

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QUOTE(bbgoat @ Nov 2 2016, 06:01 PM)
Did the RM reply u on the 4% ?  hmm.gif
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Just got the reply and it is a bad news. HQ din approve for this round. Perhaps you might have better luck than me. Looks like now its either the Alliance or HLB for pure fd
chrisoth80
post Nov 3 2016, 11:06 PM

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QUOTE(bbgoat @ Nov 3 2016, 08:49 PM)
Initially seeing the 4.38% Pure FD makes my heart "jump". Have started to renew FD with previous rates of 4.2%, 4.35% to 4% rate. Monday another OCBC 4.5% one coming !  cry.gif  cry.gif

But then see that the HSBC promo is only for 3 mths. Then after 3 mths, close the PB status ? By that time, FD promo rate may be even lower than 4%.  sad.gif
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My fd with OCBC @ 4.5% and Alliance @ 4.35% will mature next month. Luckily I still have RHB @ 4.4% and UOB @ 4.5% to be mature at 1Q and 2Q 2017 while the rest have been renew at min 4% to 4.15% at Affin, UOB and HLB from mid to end of 2017. Hope the fd rate will be maintain at current level or slight increase going into 2017

chrisoth80
post Nov 4 2016, 10:37 AM

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QUOTE(bbgoat @ Nov 4 2016, 10:22 AM)
When u do the FPX xfer to HL for FD placement, it should be limited by the other banks daily xfer limit, right ? So if MBB's daily limit is 30k, u still can only do FPX xfer to HL from MBB for 30k in the same day ?

The FPX xfer has no charges ?

Thanks !
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1st No charges or fees imposed from FPX if you transfer from other banks to HLB E-FD Promo

2nd You can make multiple transaction in a day from a single or multiple banks with each transaction limited to 30k and still no single charge or fee imposed by using FPX

The only letdown is you need to wait 20min for each transaction to go through because I spent more than 5 hours to complete whole transfer on that day

user posted image
chrisoth80
post Nov 4 2016, 12:22 PM

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QUOTE(aeiou228 @ Nov 4 2016, 10:58 AM)
Great sharing, I can see that you just did a total RM500k FD in multiple of 30k to HLB.  tongue.gif
Just to reconfirm, say my source of fund is from bank A with a daily IBG limit of 30k only, I can breach bank A daily IBG limit and make multiple 30k FPX transfer to HLB every 20min ??
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That is correct on your statement regarding the breach on IBG or IBFT daily limit. I made all the transfer from a single bank to HLB via FPX. The reason why I said each transaction need to wait 20 min is just to make sure each transaction is successful.

You don't need to spread your funds across multiple banks to perform multiple placement with HLB E-fd

Please don't speculate the amount yea

This post has been edited by chrisoth80: Nov 4 2016, 12:24 PM
chrisoth80
post Nov 4 2016, 12:28 PM

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QUOTE(ycs @ Nov 4 2016, 12:25 PM)
you mean your Bank don't have daily transfer limit to 20k or 30k? which bank is this?
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Every bank of course have daily limit on transaction perform over IBG and IBFT but not for FPX in my case.

I speak with real fact out of my real experience or else would you expect me to be able to made the transfer from over 10 banks???


chrisoth80
post Nov 4 2016, 03:28 PM

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QUOTE(bbgoat @ Nov 4 2016, 03:14 PM)
I was offered 24 mth 4% for a large sum. I guess his is even larger !
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I just contact officer from affin and got 4% for 13m but sum must be over 100k and valid until next week only

Why diff branch diff policy?
chrisoth80
post Nov 4 2016, 05:47 PM

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QUOTE(bbgoat @ Nov 4 2016, 04:44 PM)
What >100k only ? I have asked for better rate with higher sum. But they told me only 24 mths can get 4%.

Anyway we are trying to get >4% with bigger amt.  biggrin.gif

This type of nego very much depends on the branch and their interaction with HQ etc. Hard to say.
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Yes. Our ultimate goal for fd is to get the best return irregardless of any amount

Hope to see better rate in 2017
chrisoth80
post Nov 4 2016, 06:02 PM

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QUOTE(aeiou228 @ Nov 4 2016, 05:51 PM)
Thank you very much for the confirmation. Very valuable info. notworthy.gif

This is what I got from FPX FAQ, very vague.
What is the maximum transaction limit?
For individual banking account, maximum amount is limited to RM 30,000.00 per transaction For corporate banking account, maximum amount is limited to RM 1,000,000.00 per transaction. However, the above limit is subject to the customer’s Internet banking transaction limit, whichever is lower.

As for the 500k FD amount, I based on the actual picture you posted, I didn't speculate.
But don't worry la, this is internet, no one knows the real you in real life. biggrin.gif
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Its my 1st time using FPX and I did the same thing like what u did as well by checking on the requirement and tnc for FPX but then I told myself why not just give it a try and it all started with the 1st transaction and so on and on


chrisoth80
post Nov 4 2016, 11:06 PM

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QUOTE(aeiou228 @ Nov 4 2016, 10:49 PM)
I think he is using individual account, otherwise he could have FPX RM500k in one single transaction.
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Yes. Its an individual savings acc and not some corp current acc or whatsoever

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