Ambank
Pure FD
6 months - 4.0% pa
12 months - 4.3% pa
1 Mar to 31 Mar
OTC only
For SPB customers only
To become SPB, need AUM of rm200k
Fixed Deposit Rates In Malaysia V. No.15, Strictly for FD Discussion Only
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 Mar 1 2023, 11:26 AM
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#101
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Junior Member
269 posts Joined: May 2020 
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rachelchan77, BoomChaCha, and 1 other liked this post
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Mar 1 2023, 01:38 PM
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#102
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Junior Member
269 posts Joined: May 2020
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QUOTE(Human Nature @ Mar 1 2023, 01:06 PM) still 10k CASA? Yes, rm10k in CASA |
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Mar 1 2023, 02:04 PM
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#103
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Junior Member
269 posts Joined: May 2020
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Affin bank new rates
Attached thumbnail(s) 
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Mar 3 2023, 10:18 PM
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#104
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Junior Member
269 posts Joined: May 2020
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QUOTE(virulence @ Mar 2 2023, 10:40 PM) Yes I just made placement today. UOB 4.15% 12 months available till end of Mar. Why place with UOB when Ambank and Affin giving higher? Should maximise interest rite |
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Mar 3 2023, 10:19 PM
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#105
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Junior Member
269 posts Joined: May 2020
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QUOTE(rachelchan77 @ Mar 3 2023, 08:41 PM) Still need 10k in account for this promotion? Yes but no earmark. Can withdraw the day after rachelchan77 liked this post
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Mar 3 2023, 10:21 PM
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#106
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Junior Member
269 posts Joined: May 2020
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QUOTE(codercoder @ Mar 3 2023, 02:33 PM) For FD in PBB 3.3% last year which the tenure is 18 months. interest is given every 6 months. If I withdraw after 6 months, can I get back my principal? Interest will be clawed back.Normal FD terms, where interest is forfeited. Net net, u will get back the principal amount - interest paid earlier + net principal upon withdraw = original principal |
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Mar 4 2023, 06:45 PM
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#107
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Junior Member
269 posts Joined: May 2020
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QUOTE(virulence @ Mar 4 2023, 12:48 AM) UOB pay interest monthly. Again that's my preference as it will help me on monthly expenses. Ambank also pays interest on monthly basis.So, should get the money work harder for us |
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Mar 19 2023, 12:35 PM
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#108
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Junior Member
269 posts Joined: May 2020
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QUOTE(uj9bn @ Mar 18 2023, 07:14 PM) ambank this month got promo code? Do check the website. If it is there, means got. If not, don't have |
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Mar 24 2023, 06:32 AM
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#109
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Junior Member
269 posts Joined: May 2020
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QUOTE(mavistan89 @ Mar 23 2023, 01:42 PM) What is the purpose of this vs fd? Meaning the money will be earmarked in CA/SA instead of FD right, actually the risk between casa and fd is the same? I've substantial amount to put but the RM didn't explain well, is there any additional risk associate with it? 1. This is to boost their CASA ratio; i.e. CASA vs FD.Technically, the campaign works like FD. money in CASA is earmarked thought the period selected. Interest is credit monthly. 2 For LCR, the capital charge or required for CASA is lower than the amount required for FD. There is a table on how it is calculated. The capital charge is the amount of capital required to be maintained by a bank. The capital word here is not the same as share capital but got calculation like Tier 1 or Tier 2 or Total Capital definition. A bit technical. For us as customer, just take whatever is the better promo. This post has been edited by babysotong: Mar 24 2023, 06:37 AM BrookLes and mavistan89 liked this post
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Apr 1 2023, 01:57 PM
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#110
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Junior Member
269 posts Joined: May 2020
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QUOTE(nexona88 @ Apr 1 2023, 09:39 AM) So now the best rate for 12m FD is around 4% to 4.10% only?. The 4.8% was a one-off for two banks only at the point in time. It is not the normal campaign ranDamn missed the old days of 4.8% rate (or there's still available?? 🤔) PBB also giving this kind of rates... I wonder Maybank would be even lower... Since their rate not so attractive at all.... |
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Apr 4 2023, 01:00 PM
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#111
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Junior Member
269 posts Joined: May 2020
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QUOTE(Zhik @ Apr 4 2023, 10:16 AM) Yup , going to do that. But i wonder why they give this rate. Bear in mind that the bank might need fresh fund for the promo. Thus, u need to transfer the money out and back againAnd , if we withdraw and they give that rate again..... I wonder what is the reason behind. |
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May 3 2023, 10:57 AM
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#112
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Junior Member
269 posts Joined: May 2020
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QUOTE(nexona88 @ May 3 2023, 09:55 AM) U mean one month pro rated dividend rate? Both products are different. U need to understand the details of each product on the interest or dividend is calculated:Something like that? FD interest is determined upfront. Normally, monthly or upon maturity. Interest is calculated on a daily basis. Pre-mature withdraw, no interest or interest that has been paid earlier via monthly frequency will be claw back ASM dividend is upon declaration and paid at a fixed date. Dividend is calculated on a monthly basis using the lowest balance for the month. So, if you put at the beginning of the month, the money will not earn any dividend for the period till month end until next month. |
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May 12 2023, 01:23 PM
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#113
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Junior Member
269 posts Joined: May 2020
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Bank Islam
Quite a stupid practice - entire bank is close for Fridays prayers for two hours. This mean it is not meant to serve non-Muslim customers 🤣 |
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Jul 10 2023, 01:06 AM
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#114
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Junior Member
269 posts Joined: May 2020
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QUOTE(Michael12345678 @ Jul 9 2023, 10:24 PM) BI already 5% bro... Does BI give 5% now bro?Any link or pamphlet? |
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Jul 10 2023, 01:15 PM
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#115
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Junior Member
269 posts Joined: May 2020
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QUOTE(ssiapf @ Jul 10 2023, 01:08 PM) BI 5% ,is there anyone can confirm this? No one can confirm this except for the guy that posted this. That's why everybody has been asking him and still waiting for his reply |
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Jul 15 2023, 09:32 AM
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#116
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Junior Member
269 posts Joined: May 2020
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QUOTE(L3SME @ Jul 14 2023, 11:05 AM) 📣 Earn up to 4.00% p.a. with e-Islamic Fixed Deposit-i 📣 It says "up to" 4.0%. Don't know got anh hidden trick or not? Exclusively for Maybank customers! Make a min. RM1,000 placement from other banks via FPX from 14 July till 8 August 2023 (or until campaign limit is reached). Follow these steps to make a transfer now: 1️⃣ Log in to Maybank2u web and go to ‘APPLY’ 2️⃣ Under ‘Fixed Deposit’, click ‘APPLY NOW’ 3️⃣ Select ‘Islamic Fixed Deposit’ then select account to place funds from 4️⃣ Select ‘7 months’ tenure, enter the minimum transfer and select ‘Credit to account’ 5️⃣ Authorise via Secure2u on MAE and you’re done! 🔴 Important notes 👉🏻 This is an online-only offer 👉🏻 Must enter the min. placement amount as the principal amount 👉🏻 Must select ‘Credit-to-account’ as the profit payment mode 👉🏻 Offer is available until placements reach the campaign limit, on a first-come, first-served basis Maybank Islamic Berhad is a member of PIDM. eIFD-i is protected by PIDM up to RM250,000 for each depositor. T&C apply. Smells like a step-up FD but one need to check the tnc to ascertain |
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Jul 15 2023, 09:42 AM
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#117
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Junior Member
269 posts Joined: May 2020
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QUOTE(sirius2017 @ Jul 15 2023, 09:38 AM) I had checked MBB website for this promo and their TnC Thanks for the clarification. agreed that it is 4.0% pa for 7 months tenure.Specifically mention 4% pa for 7month tenure campaign via FPX fresh fund. https://www.maybank2u.com.my/maybank2u/mala.../efd-promo.page https://www.maybank2u.com.my/iwov-resources...july2023-en.pdf Just to pray that the fpx goes through if want to place for this campaign. Already stated very clearly in para 2 that the funds will be returned in 3 working days. Guess, mbb doesn't have full confidence in their system |
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Oct 4 2023, 01:10 PM
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#118
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Junior Member
269 posts Joined: May 2020
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Affin FD rates - see the file 
nexona88 liked this post
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Dec 25 2023, 10:22 AM
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#119
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Junior Member
269 posts Joined: May 2020
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Ambank 3.90% pa for 12 months for online placement Attached thumbnail(s) 
TOMEI-R and HolyCooler liked this post
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Dec 25 2023, 10:24 AM
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#120
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Junior Member
269 posts Joined: May 2020
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Hong Leong 3.95% pa for 12 months placement for both OTC and eFD Attached thumbnail(s) 
HolyCooler liked this post
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