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

Giant
post Feb 11 2019, 01:39 PM

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QUOTE(kyenli @ Feb 10 2019, 02:11 PM)
hong leong 4.38% 12 months e-fd. min 10k. till 19th feb
*
but their website still stated until 28 feb?
cybpsych
post Feb 11 2019, 02:17 PM

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QUOTE(Giant @ Feb 11 2019, 01:39 PM)
but their website still stated until 28 feb?
*
read properly, it's stated 19 Feb in the t&c and the promo image
Ineedalaptopnow
post Feb 11 2019, 02:45 PM

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QUOTE(Giant @ Feb 11 2019, 01:39 PM)
but their website still stated until 28 feb?
*
Term and condition. clause no.6
Promotion Period Tenure Promotional Rates Fund Size Min. Placement Amount Max. Placement Amount
8 Jan - 28 Feb 2019 3 months 4.18% p.a. RM850,000,000 RM10,000 RM2,000,000
1 - 28 Feb 2019 6 months 4.30% p.a. RM850,000,000 RM10,000 RM2,000,000
1 - 19 Feb 2019 12 months 4.38% p.a. RM300,000,000 RM10,000 RM2,000,000
The Promotional eFD / eFD-i Rate is applicable for one (1) cycle only.

edit: alignment

This post has been edited by Ineedalaptopnow: Feb 11 2019, 02:50 PM
guy3288
post Feb 11 2019, 04:57 PM

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QUOTE(BoomChaCha @ Feb 3 2019, 08:50 PM)


This means MBSB will IBG when your FD interest is available in your MBSB saving account.
If MBSB IBG all your FD interest in one lump sum, the only way you can calculate each of your FD interest is from your MBSB saving book.
I suggest you to calculate by yourself...


*
i dont have MBSB saving account.
i dont know how they bank in interest to my MBB SA.
Yes, few FDs on same date interest pay in together, a bit difficult to make out howmuch for each FD,
look at old records to check, sometimes call to ask them .

The 4.65% monthly interest still available.
Min RM10k can do already

CIMB Banker's cheque, fee only RM0.65, same day effective date, cert take same day
better than rentas which can cause delay and more costly also.

Tomorrow cheque from OCBC fee RM2.65, lousy OCBC premier benefits compared to CIMB



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bbgoat
post Feb 11 2019, 05:38 PM

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QUOTE(guy3288 @ Feb 11 2019, 04:57 PM)
i dont have MBSB saving account.
i dont know how they  bank in interest to my MBB SA.
Yes, few FDs on same date  interest pay in together, a bit difficult to make out  howmuch for each FD,
look at old records to check, sometimes call to ask them .

The 4.65% monthly interest still available.
Min RM10k can do already

CIMB Banker's cheque, fee only RM0.65, same day effective date, cert take same day
better than rentas which can cause delay and more costly also.

Tomorrow cheque from OCBC fee RM2.65, lousy OCBC premier benefits  compared to CIMB
*
The branch still can ibg your monthly interest to your MBB SA ? thumbsup.gif thumbsup.gif

Going to complain to MBSB branch that I used. dry.gif dry.gif
Deal Hunter
post Feb 11 2019, 07:09 PM

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QUOTE(Giant @ Feb 11 2019, 01:39 PM)
but their website still stated until 28 feb?
*
No need to argue about the end date of this HL promo.
For readers info, the target reached and notice on their website says 11:59 pm on today Monday 11 February 2019 is the last time to do your eFD for this 4.38% 12 month offer.
Readers please advise whether other HL promo FD affected as well?
bonkers28
post Feb 11 2019, 07:42 PM

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QUOTE(Deal Hunter @ Feb 11 2019, 07:09 PM)
No need to argue about the end date of this HL promo.
For readers info, the target reached and notice on their website says 11:59 pm on today Monday 11 February 2019 is the last time to do your eFD for this 4.38% 12 month offer.
Readers please advise whether other HL promo FD affected as well?
*
yup, this is correct. The 4.38% 12 month offer ends at 11.59pm tonight. I just made my placement and saw the prompt at some point.
Not sure about the other promos though, anyone else care to confirm?

bbgoat
post Feb 11 2019, 08:04 PM

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CIMB RM sent update on FD promo:

12 mth Islamic FD 4.30%, min 10k fresh fund, offer rate may change any time
Deal Hunter
post Feb 11 2019, 08:05 PM

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Today's FD promos (Monday 11 Feb 2019) at some banks,

AMBANK minimum 10k, ordinary customers
8m 4.28% CNY eFD/eTD-i promo 18 01 2019 to 28 02 2019.

Minimum 10k for Priority customers, subject to change/maintain every week:-

12m 4.3% Islamic OTC.
12m 4.25% Conventional OTC.

CIMB minimum 10k FF OTC until further notice (ufn) -i.e. change anytime any week

4.2% p0m6 Islamic
4.15% p0m6 Conventional
4.3% p01m12 Islamic
4% p0m12 Conventional

MBSB

no promo, only board rates and nego.

OCBC minimum 10k FF OTC end 19 02 2019

3.8% p1m6
4.15% p01m12

PUBLIC

4.2% p1m12 OTC Conventional/Islamic minimum 10k FF 31 03 2019.

RHB

4.25% p0m5 OTC minimum 10k FF 03 01 2019 to 28 02 2019.
4.38% p0m12 OTC minimum 10k FF 08 02 2019 t0 18 02 2019.

4% p0m3 FPX Islamic eCMD-i minimum 5k FF end 31 03 2019.

UOB minimum 10k FF 01 02 2019 to 28 02 2019. p1 for Conventional FD Plus, p0 for Islamic.

4% m4.
4.15% m7.
4.2% m12.

This post has been edited by Deal Hunter: Feb 11 2019, 08:22 PM
thisisyourname
post Feb 11 2019, 09:29 PM

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QUOTE(guy3288 @ Feb 11 2019, 04:57 PM)
i dont have MBSB saving account.
i dont know how they  bank in interest to my MBB SA.
Yes, few FDs on same date  interest pay in together, a bit difficult to make out  howmuch for each FD,
look at old records to check, sometimes call to ask them .

The 4.65% monthly interest still available.
Min RM10k can do already

CIMB Banker's cheque, fee only RM0.65, same day effective date, cert take same day
better than rentas which can cause delay and more costly also.

Tomorrow cheque from OCBC fee RM2.65, lousy OCBC premier benefits  compared to CIMB
*
Hello, may I know "CIMB Banker's cheque fee only RM 0.65"? This is "bankdraft" and you're premier or ??? or current account holder of CIMB? so CIMB give you RM 0.65 per cheque? I not very remember but before CIMB bankdraft fee is RM 5.15 + GST.

I can't find the BSA account, but all look like
https://www.cimbbank.com.my/en/personal/sup...saving-accounts
6 Transfer of Funds to another Bank by Instruction
RM5.00 by drawing voucher / Banker’s Cheque and RM0.15 Stamp Duty on Banker’s Cheque

You have any proof or info? I want use you sample and then told the CIMB staff bankdraft fee is RM 0.65 if I need apply CIMB bankdraft.
I also hope can RM 0.65. I would appreciate your help. Thank you.

The
Maybank(When bring bankdraft to Myabank the FD date will delay 2 days)
Ambank(When bring bankdraft to Ambank the FD date will delay 2 days)
Publick bank
CIMB
bankdraft is RM 5.15

Only
UOB
OCBC
bankdraft is RM 0.65

BSN not bankdraft

Above info same or not? If regular customer and saving account.

Thank you.

thisisyourname
post Feb 11 2019, 09:32 PM

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Not, the UOB if I not remember wrong, not RM 0.65, is RM 2.15.
Only OCBC can RM 0.65.

This post has been edited by thisisyourname: Feb 11 2019, 09:33 PM
BoomChaCha
post Feb 11 2019, 09:49 PM

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QUOTE(guy3288 @ Feb 11 2019, 04:57 PM)
i dont have MBSB saving account.
i dont know how they  bank in interest to my MBB SA.
Yes, few FDs on same date  interest pay in together, a bit difficult to make out  howmuch for each FD,
look at old records to check, sometimes call to ask them .

The 4.65% monthly interest still available.
Min RM10k can do already

CIMB Banker's cheque, fee only RM0.65, same day effective date, cert take same day
better than rentas which can cause delay and more costly also.

Tomorrow cheque from OCBC fee RM2.65, lousy OCBC premier benefits  compared to CIMB
*
I suggest you to open one MBSB saving account, they have one saving account that pays 2.68% p.a.,
you just need RM 100 as initial deposit to open this account. You will see all transactions printed on this account book.

I suggest you to calculate FD interest by yourself.
Last time MBSB gave me less interest, luckily I calculated my FD interest before I went there.
I do not know if they did it purposely to give me less interest? Or they really made a mistake?

My last MBSB FD was matured on 3 Feb 2019 (Sunday), I noticed MBSB paid one day FD interest for Sunday.

After having a very difficult nego with MBSB, they only offered me 4.55% with monthly interest for 15 months to renew my FD.
But my amount was much more than RM50K.

I feel so sad why I cannot get 4.65%..??

Suddenly I get exited so much that I want to withdraw this FD from MBSB.. ranting.gif

Thank you very much for your FD Cert..Bro thumbsup.gif
guy3288
post Feb 12 2019, 02:05 AM

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QUOTE(bbgoat @ Feb 11 2019, 05:38 PM)
The branch still can ibg your monthly interest to your MBB SA ?  thumbsup.gif  thumbsup.gif

Going to complain to MBSB branch that I used.  dry.gif  dry.gif
*
yes they always bank in for me from beginning, so many years already, me very old customer already
quite alot of work previously write cheque go deposit to each bank ....

QUOTE(thisisyourname @ Feb 11 2019, 09:29 PM)
Hello, may I know "CIMB Banker's cheque fee only RM 0.65"? This is "bankdraft" and you're premier or ??? or current account holder of CIMB? so CIMB give you RM 0.65 per cheque? I not very remember but before CIMB bankdraft fee is RM 5.15 + GST.

I can't find the BSA account, but all look like
https://www.cimbbank.com.my/en/personal/sup...saving-accounts
6 Transfer of Funds to another Bank by Instruction
RM5.00 by drawing voucher / Banker’s Cheque and RM0.15 Stamp Duty on Banker’s Cheque

You have any proof or info? I want use you sample and then told the CIMB staff bankdraft fee is RM 0.65 if I need apply CIMB bankdraft.
I also hope can RM 0.65. I would appreciate your help. Thank you.

The
Maybank(When bring bankdraft to Myabank the FD date will delay 2 days)
Ambank(When bring bankdraft to Ambank the FD date will delay 2 days)
Publick bank
CIMB
bankdraft is RM 5.15

Only
UOB
OCBC
bankdraft is RM 0.65

BSN not bankdraft

Above info same or not? If regular customer and saving account.

Thank you.
*
OCBC said will charge me 1 chq RM2.65 if money is from OCBC Saving Account, premier customer also same!
RM0.65 only if i withdraw OCBC FD direct into cheque, cannot add more to issue bigger amount.

cimb u should get RM0.65 per cheque even if money is from Saving account


QUOTE(BoomChaCha @ Feb 11 2019, 09:49 PM)
I suggest you to open one MBSB saving account, they have one saving account that pays 2.68% p.a.,
you just need RM 100 as initial deposit to open this account. You will see all transactions printed on this account book.

I suggest you to calculate FD interest by yourself.
Last time MBSB gave me less interest, luckily I calculated my FD interest before I went there.
I do not know if they did it purposely to give me less interest? Or they really made a mistake?

My last MBSB FD was matured on 3 Feb 2019 (Sunday), I noticed MBSB paid one day FD interest for Sunday.

After having a very difficult nego with MBSB, they only offered me 4.55% with monthly interest for 15 months to renew my FD.
But my amount was much more than RM50K.

I feel so sad why I cannot get 4.65%..??

Suddenly I get exited so much that I want to withdraw this FD from MBSB..  ranting.gif

Thank you very much for your FD Cert..Bro  thumbsup.gif
*
MBSB SA may be later, now still no IBG or IBFT no use.
I checked int amount before and didnt find any less.

I had 3 MBSB FDs matured on 6.2.2019 which i WD only on 7.2.2019, not sure if they paid extra 1 day,
havent sorted out the int they lumped together.

4.65% for old customers like me, RM10k also they say ok. are you new to MBSB FD?

Do you put in ASX and bonds? higher return.



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VinceCheong
post Feb 12 2019, 02:14 AM

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QUOTE(Deal Hunter @ Feb 11 2019, 09:05 PM)
Today's FD promos (Monday 11 Feb 2019) at some banks,

AMBANK minimum 10k, ordinary customers
8m 4.28% CNY eFD/eTD-i promo 18 01 2019 to 28 02 2019.

Minimum 10k for Priority customers, subject to change/maintain every week:-

12m 4.3% Islamic OTC.
12m 4.25% Conventional OTC.

CIMB minimum 10k FF OTC until further notice (ufn) -i.e.  change anytime any week

4.2% p0m6 Islamic
4.15% p0m6 Conventional
4.3% p01m12 Islamic
4% p0m12 Conventional

MBSB

no promo, only board rates and nego.

OCBC minimum 10k FF OTC end 19 02 2019

3.8% p1m6
4.15% p01m12

PUBLIC

4.2% p1m12 OTC Conventional/Islamic minimum 10k FF 31 03 2019.

RHB

4.25% p0m5 OTC minimum 10k FF 03 01 2019 to 28 02 2019.
4.38% p0m12 OTC minimum 10k FF 08 02 2019 t0 18 02 2019.

4% p0m3 FPX Islamic eCMD-i minimum 5k FF end 31 03 2019.

UOB minimum 10k FF 01 02 2019 to 28 02 2019. p1 for Conventional FD Plus, p0 for Islamic.

4% m4.
4.15% m7.
4.2% m12.
*
Thanks for the update!
I think we need a V16 thread soon. lol

thisisyourname
post Feb 12 2019, 01:33 PM

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QUOTE(guy3288 @ Feb 12 2019, 02:05 AM)
yes  they always bank in for me from beginning, so many years already, me very old customer already
quite alot of work previously write cheque go deposit to each bank ....
OCBC said will charge me 1 chq RM2.65 if money is from OCBC Saving Account, premier customer also same!
RM0.65 only if i withdraw OCBC FD direct into cheque, cannot add more to issue  bigger amount.

cimb u should get  RM0.65 per cheque even if money is from Saving account
MBSB SA may be later, now still no  IBG or IBFT no use.
I  checked  int amount before and didnt find any less.

*
Thank you for your reply.

Yes, you wrote like that, I recall, the OCBC is like that, so normally FD principle + FD interest = total amount if you direct FD to bankdraft = RM 0.65
If you more than total amount can't RM 0.65, less than total amount can RM 0.65
So if you want OCBC, no add money can told
FD to bankdraft no want withdraw to saving account.
If I not wrong if you want some cash, can some withdraw to saving account and others direct to bankdraft this also RM 0.65, that mean if you not add money, no matter how still can RM 0.65

The OCBC service ok, but ATM part the rubbish not always clean or not very hygiene, so have mosquito or small mosquito disturb me..., but inside renovation very beautiful and cold, if you're premier customer, you have same situation, your complaint will work.


"cimb u should get RM0.65 per cheque even if money is from Saving account"

Than mean your CIMB branch can with regular customer and saving account; no matter Islamic or not Islamic account; total amount more or less
FD direct to bankdraft = RM 0.65
or
FD to saving account than to bankdraft also = RM 0.65

After I wrote above I saw you attachment, thank you so much, I not only can copy your sentences and can with image sample try ask.

Before I ask many time, no matter how still want RM 5.15 + GST, after this I also casual ask still want RM 5.15. Thank you.

You nice nice like that, I also encourage your put some in ASNB, but any happen don't punish me, this is no PIDM...


I saw the lowyat notice x me 2 of your posts are reported in Fixed Deposit Rates In Malaysia V. No.15
This mean I out of FD topic, so got the reported? I apology of my mistake, please forgive me, and the important is please don't closed my account, maybe I have ??? need ask here or ???. Thank you.

Note: After saw details, you're CIMB preferred, so I think regular customer with saving account is hopeless of RM 0.65. I think this is offer to CIMB preferred only. I cry, maybe not want try ask.
So any can sample, regular customer with saving account CIMB bankdraft can RM 0.65

This post has been edited by thisisyourname: Feb 12 2019, 01:42 PM
donhay
post Feb 12 2019, 02:18 PM

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QUOTE(BoomChaCha @ Feb 11 2019, 09:49 PM)
I suggest you to open one MBSB saving account, they have one saving account that pays 2.68% p.a.,
you just need RM 100 as initial deposit to open this account. You will see all transactions printed on this account book.

I suggest you to calculate FD interest by yourself.
Last time MBSB gave me less interest, luckily I calculated my FD interest before I went there.
I do not know if they did it purposely to give me less interest? Or they really made a mistake?

My last MBSB FD was matured on 3 Feb 2019 (Sunday), I noticed MBSB paid one day FD interest for Sunday.

After having a very difficult nego with MBSB, they only offered me 4.55% with monthly interest for 15 months to renew my FD.
But my amount was much more than RM50K.

I feel so sad why I cannot get 4.65%..??

Suddenly I get exited so much that I want to withdraw this FD from MBSB..  ranting.gif

Thank you very much for your FD Cert..Bro  thumbsup.gif
*
Went to MBSB (taman Connaught cheras) yesterday, want to place RM1,000,000 for 15 months fd, they give only 4.3% sad.gif sad.gif sad.gif

so today i go Affin bank 4.5 for 18 months, what to do? sigh
hammerjit
post Feb 12 2019, 02:52 PM

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QUOTE(Deal Hunter @ Feb 11 2019, 08:05 PM)
Today's FD promos (Monday 11 Feb 2019) at some banks,

AMBANK minimum 10k, ordinary customers
8m 4.28% CNY eFD/eTD-i promo 18 01 2019 to 28 02 2019.

Minimum 10k for Priority customers, subject to change/maintain every week:-

12m 4.3% Islamic OTC.
12m 4.25% Conventional OTC.

CIMB minimum 10k FF OTC until further notice (ufn) -i.e.  change anytime any week

4.2% p0m6 Islamic
4.15% p0m6 Conventional
4.3% p01m12 Islamic
4% p0m12 Conventional

MBSB

no promo, only board rates and nego.

OCBC minimum 10k FF OTC end 19 02 2019

3.8% p1m6
4.15% p01m12

PUBLIC

4.2% p1m12 OTC Conventional/Islamic minimum 10k FF 31 03 2019.

RHB

4.25% p0m5 OTC minimum 10k FF 03 01 2019 to 28 02 2019.
4.38% p0m12 OTC minimum 10k FF 08 02 2019 t0 18 02 2019.

4% p0m3 FPX Islamic eCMD-i minimum 5k FF end 31 03 2019.

UOB minimum 10k FF 01 02 2019 to 28 02 2019. p1 for Conventional FD Plus, p0 for Islamic.

4% m4.
4.15% m7.
4.2% m12.
*
This is much more informative. Perhaps if there are further changes, others can use this copy/paste and update/strikethrough or insert any new changes. Thank you for the share.
beLIEve
post Feb 12 2019, 07:47 PM

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QUOTE(thisisyourname @ Feb 11 2019, 09:32 PM)
Not, the UOB if I not remember wrong, not RM 0.65, is RM 2.15.
Only OCBC can RM 0.65.
*
Starting next month UOB will $5 + 50 cents + SST

Ever since bank negara charge 50 cents for cheques, no more $2.15 loh. It's 2.65

As far as I remember, ambank effective date is immediate when use bank draft. Cheques I assume same.

Maybank2me I don't know, avoided them years ago since they grill me whenever I withdraw. Lazy answer all sorts of questions.
thisisyourname
post Feb 12 2019, 08:50 PM

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QUOTE(beLIEve @ Feb 12 2019, 07:47 PM)
Starting next month UOB will $5 + 50 cents + SST

Ever since bank negara charge 50 cents for cheques, no more $2.15 loh. It's 2.65

As far as I remember, ambank effective date is immediate when use bank draft. Cheques I assume same.

Maybank2me I don't know, avoided them years ago since they grill me whenever I withdraw. Lazy answer all sorts of questions.
*
Thank you for you sharing.

Before I still ask UOB need SST or not, but staff told no need, so all bank need SST, that's mean same like before all want count +SST on bank service?
Before UOB OTC free IBG, now no more.

All I wrote is bankdraft, also mean bank cheque like that, but the website wrote
RM 2 is service fee, RM 0.15 is stamp duty, 1 sheet paper RM 0.15 stamp duty.

The 50 cents for cheque, this is you use the cheque book and you give to other, when other bank in the fee is RM 0.50 like that.

Ambank staff told me bankdraft will delay 2 days same like Maybank.

The BSN also very hard withdraw FD, so many questions you want answers....


I don't know why the Lowyat always ×Your post is reported in Fixed Deposit Rates In Malaysia V. No.15
If I make mistake please forgive me, just wrote relative FD process how to save only...
I any wrong before, please forgive me. Don't reported me and my post...
I'll scary and silent..., but I ask and reply when need only...
beLIEve
post Feb 12 2019, 09:04 PM

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QUOTE(thisisyourname @ Feb 12 2019, 08:50 PM)
Thank you for you sharing.

Before I still ask UOB need SST or not, but staff told no need, so all bank need SST, that's mean same like before all want count +SST on bank service?
Before UOB OTC free IBG, now no more.

All I wrote is bankdraft, also mean bank cheque like that, but the website wrote
RM 2 is service fee, RM 0.15 is stamp duty, 1 sheet paper RM 0.15 stamp duty.

The 50 cents for cheque, this is you use the cheque book and you give to other, when other bank in the fee is RM 0.50 like that.

Ambank staff told me bankdraft will delay 2 days same like Maybank.

The BSN also very hard withdraw FD, so many questions you want answers....
*
You're welcome.

Sorry, I think the 15 cents is stamp duty. I didn't pay much attention as it's a small amount.

the 50 cents is some form of charge to discourage people from using cheques (something like that from Bank Negara).

Just find a bank that doesn't delay 2 days. If I'm going to lose 2 days interest with bank draft, I normally just go another bank.

Again, didn't pay much attention to IBG because it'll take another day to clear by the time I do the transaction. Nowadays Instant Transfer is near free, so I use that even to pay for my credit cards.

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