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 Fixed Deposit Rates In Malaysia V. No.15, Strictly for FD Discussion Only

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ericlaiys
post Aug 8 2024, 10:15 PM

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QUOTE(mamamia @ Aug 8 2024, 04:46 PM)
6 months 4.7% only can see it after open BEU?
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sorry typo 3.75%
ericlaiys
post Aug 12 2024, 08:21 PM

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QUOTE(CommodoreAmiga @ Aug 12 2024, 08:19 PM)
Don't want to put too much in MBSB already...moving out from it when matured.
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got BEU. advise dont put all in 1 basket
ericlaiys
post Aug 12 2024, 08:51 PM

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QUOTE(CommodoreAmiga @ Aug 12 2024, 08:22 PM)
BEU also not stable now...I will just do OTC BI.
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for me is stable. easy to do placement
too lazy to go counter
ericlaiys
post Aug 14 2024, 12:01 AM

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QUOTE(TOS @ Aug 13 2024, 11:15 PM)
Hmm BeU is a digital bank product under Bank Islam, just like Rize is under al-Rajhi. Rize does not appear in the PIDM list, but al-Rajhi does. The same should apply to Bank Islam?

https://www.pidm.gov.my/en/how-we-protect-y...em/member-banks

As for the 250k protection, uhmm need to ask other sifus tongue.gif
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Beu is not other bank. It still under bank islam
ericlaiys
post Aug 24 2024, 03:17 PM

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QUOTE(BWassup @ Aug 24 2024, 12:43 PM)
I got 0.15% base interest, and 2.1% bonus interest.

Once my bundled FD all mature by November, no need to keep any funds in Truesaver's account. There are better options to earn more than 2.25%, without conditions. Until AmBank offers FD bundling again laugh.gif
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GXBank-3%, aeon-3.88%, boost-3.6%
ericlaiys
post Aug 28 2024, 12:14 PM

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QUOTE(CommodoreAmiga @ Aug 28 2024, 09:57 AM)
Hmm..can't even login to my BEU now. Biometric processing just keeps spinning. Doesn't gives me much confidence to place FD with this app.
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no problem login in.
ericlaiys
post Aug 28 2024, 08:15 PM

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QUOTE(1282009 @ Aug 28 2024, 03:27 PM)
Just put HLB 3.70% 6 mths tenure 🙂
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Not attractive. Beu -3.75% for 6 month
ericlaiys
post Aug 29 2024, 12:38 AM

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QUOTE(1282009 @ Aug 28 2024, 08:51 PM)
Ya not the best but i have limited options as only have accounts in few banks - mbb, abmb, hlb & amb.
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Beu very easy to open account
ericlaiys
post Sep 5 2024, 03:38 PM

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QUOTE(chadavox @ Sep 5 2024, 03:18 PM)
Hi, I'm kind of frustrated with BE U's Term Deposit -i. Why I need to scan my IC front and back and take my selfie picture everytime I make a deposit in it ? And after that, I need to wait about 2 hours for verification before I can actually make a deposit.

Other digital bank, only requires 1 time of doing that, i.e. when you open an account at the begining, and not everytime making a term deposit.
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don't have this problem. smooth
ericlaiys
post Sep 9 2024, 01:33 PM

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With AmBank’s Online Promotion for eFixed Deposit/eTerm Deposit-i, earn 3.80% p.a. interest/profit rate for 12 months tenure! Enjoy no capping of fresh funds when you deposit with us today.
Use Promo Code:
• BEST4 for 3.60% p.a. (4 months)
• BEST8 for 3.70% p.a. (8 months)
• BEST12 for 3.80% p.a. (12 months)
• BEST18 for 3.75% p.a. (18 months)
Campaign Period: 09 Sept 2024 – 30 Sept 2024
For more information, visit www.ambank.com.my/efdtdi
ericlaiys
post Sep 9 2024, 06:24 PM

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QUOTE(Afterburner1.0 @ Sep 9 2024, 02:53 PM)
thanks for the update.... but i just wonder.... wat do these banks think when planning their FD rates promo... everyone knows the best rates is 4.1% at muamalat bank.... so faster go rush to Muamalat bank guys....
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it never ending chasing. why must follow other bank. it never ending by giving u higher interest.
Plus fed rate cut rate this week, so rate will confirm drop. Some people prefer well known bank rather than sign up another one.
Did that last time on MBSB, but rate dont high long enough. end up waste time and go terminate the account.
ericlaiys
post Oct 5 2024, 12:25 PM

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QUOTE(ilovefdmalaysia @ Oct 5 2024, 11:48 AM)
ok. suggestions accepted.

i share out this because here had many multi millionaire or Mr Bil.

DO NOT SIMPLY DOWN LOAD ANY FILE FROM INTERNET OR ANY APPS EVEN THOUGH LOOK GENUINE.

ask for 2nd or 3rd opinions from sons or good friend first before installing.

there had no prize waiting for the 1st who download some funny apps.

for the case above....my thinking is bank sure do not responsible ie money that had transferred, just let it be.

peace out.
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another way is separate phone banking app to another phone. use that phone for only phone banking.
then on main phone, use only one banking app with enought money for monthly expenses.
if require more, transfer from bank phone to primary phone.
only use bank phone for banking purposes.
if primary phone compromise, it wont impact bank phone.
that why i keep 2 phone to be safer.
then on those bank app set transfer to lower rather than set 20k, 30k or 50k.
may be 1 bank set to 20k.
the chances that u need large amount of money is slimmer as most time use credit card first

This post has been edited by ericlaiys: Oct 5 2024, 12:28 PM
ericlaiys
post Oct 15 2024, 09:47 PM

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QUOTE(ikanez @ Oct 15 2024, 03:00 PM)
just a heads up. the Be U 4% TDT Extra campaign might be ending soon sebab we're nearing our limit edy.

those interested best to invest early.
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i thought till dec
ericlaiys
post Oct 16 2024, 07:53 PM

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QUOTE(CommodoreAmiga @ Oct 16 2024, 07:31 PM)
Go for BEU. Bank Islam Digital Bank. 4% 12mth.

btw, anyone has feedback on Public Bank new App? I think it sucks. Like redundant password and biometric validation over and over. Today i have added a new favorite DUITNOW transfer and PBB hold my money for 12 hours. Is this normal for PBB? Really jalat old Ah Pek Bank.
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if first time transfer pbb always hold those amount. it is common for public bank. u must few round transfer small amount like 10 for few days. else will on hold
ericlaiys
post Oct 18 2024, 04:16 PM

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QUOTE(brandonkl @ Oct 18 2024, 03:26 PM)
This FD promotion can only get from the counter and they will issue you a certificate. Still the primitive method  biggrin.gif

For RM 100k - 12 mths, you get RM 3,997.75.
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BEU -4% for 12 month. can do online...lol
ericlaiys
post Oct 18 2024, 08:11 PM

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QUOTE(Dyson Jin @ Oct 18 2024, 06:48 PM)
Why do u ever think FD got dividend? ohmy.gif

A fixed deposit (FD) is a tenured deposit account provided by banks or non-bank financial institutions which provides investors a higher rate of interest than a regular savings account, until the given maturity date.
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he worry 2% tax start 2025
ericlaiys
post Nov 3 2024, 05:01 PM

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QUOTE(BladeRider @ Nov 3 2024, 04:28 PM)
Anyone tried placing e-fd via ftp, the "fresh fund" transferring from GX bank?  I tried maybank, but no GX bank in their selection list.
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Not available on all digital bank for fd
ericlaiys
post Nov 4 2024, 10:52 AM

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QUOTE(CommodoreAmiga @ Nov 4 2024, 10:05 AM)
Guys, yesterday i tried to make one FD with BEU, but it is stuck in Limbo say waitng for approval. Usually it's very fast like a few seconds. Something wrong here. And there is no number to contact BEU? Anyone knows how to contact them???
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inside app, click contact us.
ericlaiys
post Nov 25 2024, 03:43 PM

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QUOTE(Human Nature @ Nov 25 2024, 02:32 PM)
You mean can get 4% over the counter without BeU too?
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BEU app till dec for 4%
ericlaiys
post Dec 2 2024, 04:11 PM

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QUOTE(tweakity @ Dec 2 2024, 04:01 PM)
Question for all. From experience, is HLB inwards FPX more stable than MBB? MBB seems to have many cases money hilang on transit
Since HLB offer now is for Fresh Fund so wondering about this
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HLB system is so far stable for me. MBB always down when want to do FD. Duitnow maintenance, etc

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