you will have to call in to check as i do not see it on their website anymore.

Do note it was OTC only and for new to premium (100k) or new to priority only (250k). So 1 time only.

For SA portion 4% is based on opening a Privilege$aver - https://www.sc.com/my/deposits/psa/

and meeting the conditions monthly to ensure 4%

-deposit RM3k a month (single transaction)
-use RM1k on their credit card

if you are keen, pm me and i'll check with my RM on Monday

My previous Jan 2020 month or before, I have calculated to the exact days, they are correct. Even those 2 or 3 days that they paid late. They do NOT pay on weekend or public holidays. I have calculated and they did add in those extra days. EXACTLY.

So yours for Feb month is exact to the number of days ? I have calculated few times and compared with my late Jan 2020 calculation. Still short by small amount. Like 4.1% instead of 4.2%.

Aiya, someone was even thinking I do not know about calculating the IBD ...........

I find Affin is the best bank for FD as their board rates are higher than most banks' promo rates. No need to keep changing banks every year.

otc right? i could not find above 11 month listed in the website.

I just asked the branch manager. She told me got 100k limit per account, for your case also got?

clearly they dont maintain the same practice for each branch.
i told dun want the debit card.
first branch told me first yr can get waive, but then i dint manage to open there due to their system issue.
second branch charge me and i argue with them, no luck, still need to pay.

my bro told them wan Basic Saving Acc too, but, they said BSA also will come with debit card, n my bro is those type that lazy to argue... so, ended up open pay & save acc with debit card... n i saw there is cashback for the pay and save acc..

https://www.hlb.com.my/content/dam/hlb/my/d...gn-2020-tnc.pdf

Seem like not bad... just that it doesnt apply to online purchase...

so, this is the part that the bank didnt explain to him...

Alliance Bank, 3.8% for 6 months, just put RM 10K to CASA, then no limit
of FD amount to earn 3.8%, no locking RM 10K from CASA.

Is this the best deal for 6 months FD so far?

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Astro 3.9% has max limit RM 50K.

3.8% has no FD amount limit

affin new account opening need deposit rm100. but immediately after open can withdraw 80 from ATM. left balance 20 inside. that's my experience

What is the name of your account in Affin ONline?

Mine is ISLAMIC BASIC SA 1 (SA BSA1-I)

Cause at 3.x% you are already losing out to
1) inflation
2) super low yield
3) purchasing power (with current and malaysia problem, RM ound to stay depress or continue depreciation against other country currency making it more expensive as Malaysia basically import everything.
Now at 3.x% assuming you don't need the money, you invest in singapore reits yielding
4-7% - 4% is like those midvalley types. Very stable
SG banks at current price are giving 5.x%

1-2% in US with annaul dividend growth of 10%p.a
- come on, where on earth you can find your money increasing every year automatically? Look at FD, automatically decrease every year.

Your choice. Continue stay in useless FD or made the switch. If your FD 4% maybe still ok. Now most likely all low 3% , is not OK!

Ok, I will stop here.
Correction I am heavy everywhere that is cheap and have good yield. You name it. US, Canada, Europe, UK, SG, HK all I whack. Ok, I will stop here.

cash is king now so put FD is better than investing in stock
look at the crazy stock market
i am all cash + FD
dont even have UT except for insurance that need minimum UT saja

Affin bank rate is for OTC rate or efixed? I have affin savings though

Sorry for the late reply, I had to made sure I could before I posted.

I do not have AmBank SA before, but I do have their CC. What I did was to download their app, using it and apply for the eFlex Savings. From there, i transferred my money to the eFlex. I have successfully gotten the 3.5% with funds taken from the eFlex acc.

No need to go branch all. I do not know if this works if you do not have any prior relationship with AmBank.

someone was asking about OCBC FD of 3.25% - i manage to test it out today and place some money, it is working
i wanted to place at AMBANK but i dont have any account with them so no choice, just place it in OCBC for 10 months



i think AMBANK has the best rate at this moment....

it will appear the promotional rate 3.25 after the transaction is successful.
don't worry it's 3.25% if you put 10 months.

after MCO i gonna open all the bank account that i still dont have like Ambank and RHB Bank and many more... now want put FD with them to enjoy better rate also susah