I also tried 12mth placement, didn't get promo rate. then later retry 6mth, gotten the (i) promo rate. split to 2 placements, just in case need to uplift some didn't before maturity.

withdraw/takeout

placement = you deposit/put into bank
uplift = you withdraw/take out from bank

i placed on 24 Dec.

the notice from m2u, already been posted here since 30 Dec.

I'm saying my certificate serial number, not the count of certs I'm holding.

u uplift and make new placement, serial number will be incremental.

been using it since the rate was 4.00% p.a.

when did you place?

assuming today you uplift.

This post has been edited by cybpsych: Jan 9 2017, 01:05 PM

check maybank website

effective rate is 15th. however m2u website takes few days to get updated/published.

trick is to check your cert via m2u app. If there is revision, it will show. if no revision, such as last month, it stays the same (makes u wonder if really unchanged )

the m2u uplift is not available 24-hours. you can only uplift between 6am to 10pm. if emergency at midnight, your money is stucked.

awesome, 1st month profit already gotten and added back into the principal

let's hope i can fully wait for 6 full cycle to maximize the promo rate

should be working. the normal eGIA works fine with compounding interest. all my certs are setup as such, including the promo rate (which i was interested if there's any difference, which it wasnt)

let's wait for month 2

the rate displayed in M2U Web is special case for promo. generally all eGIA stated "declared on maturity date" in M2U, but will show the actual rate in M2U App (QuickBalance).

in M2U App QuickBalance, if you see 3.6%, it's promo rate. if you see 3.5% now, it's the standard board rate for GIA (effective from 16 January 2017 to 15 February 2017)
i ask you back have you tried to uplift using M2U App?

2 method

1) before confirm, hit [back]. the add to principal option is revealed.

2) modify existing placements.

Nothing new. it's been heavily discussed in FD topic.

proceed there to read.

check your placement in m2u app. the rate is there.

because it takes long time to update the site.

they can't simply update it. remember this is a bank's website, there are SOP to follow.

m2u app extract the rate directly from system. their app developer didn't hide/mask it, as what m2u web does.

This post has been edited by cybpsych: Feb 17 2017, 06:20 AM

yep, no changes since yesterday after checking in m2u app.

sometimes confusing whether it's showing old or new rate. but after monitoring for few months, new rate always reflected correctly between m2u web and app.

a) Mudarabah Investment Account

technically it's a virtual account for each type of efd/gia placement.

Islamic one account, gia one account, conventional one account.

gia is a general product name for mudarabah.

at this page, click BACK. the "add to principal" option is revealed.

just keep it simple.

as long as RM1k and above fund, select 2 months tenure. Select "auto renewal" and "add to principal".