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

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cybpsych
post Nov 18 2022, 07:30 AM

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QUOTE(rocketm @ Nov 18 2022, 03:27 AM)
Where do you guys got the MBSB efd promo page?

I searched through their online page but cannot find or I have to login to online account.

Is MBSB efd rate competitive compared to other banks in the past.

I have no account yet but plan to open one in next week.
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https://www.mbsbbank.com/promotions/term-de...ooster-campaign

QUOTE(7498 @ Nov 18 2022, 07:18 AM)
May I know where to find MBSB online 4.2% fd on their online banking page? I tried to place 12 months but the rate is only 3.15%
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td-i booster

This post has been edited by cybpsych: Nov 18 2022, 07:33 AM
cybpsych
post Nov 18 2022, 10:33 AM

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QUOTE(rocketm @ Nov 18 2022, 10:24 AM)
Since MBSB efd can place online, during the efd mature, are we able to uplift online?

The debit card for choosing BSA also will mail to us?
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yes, should be able to lor

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DC, if completed online registration, will be mailed to you. the destination is set during online account opening.

my case, my online account opening was in limbo (due to kyc downtime), so i completed the account opening at branch, received DC on-the-spot.
cybpsych
post Nov 19 2022, 05:00 PM

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QUOTE(cybpsych @ Nov 10 2022, 01:38 PM)


user posted image

user posted image
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QUOTE(BboyDora @ Nov 19 2022, 01:56 PM)
where can place PBB FD 18 month for 4.2%?

I only saw their campaign mx till 12 month for 3.75%.

Is it must go to their branch?
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branch or efd

must be Public Islamic
cybpsych
post Nov 21 2022, 02:48 PM

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QUOTE(gamenoob @ Nov 21 2022, 02:43 PM)
Beyond that la… what the difference?
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same principles as Islamic banking. go search and read
cybpsych
post Nov 22 2022, 08:29 PM

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QUOTE(MystiqueLife @ Nov 22 2022, 04:50 PM)
Then what is the purpose of yearly vs monthly interest? Any benefit? Can the interest earned rollover and compound into next month?
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this question more relevant if you earn substantial amount of profit.

then roll the profit for another bank/placement, maybe with better rate.
cybpsych
post Nov 23 2022, 08:44 AM

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QUOTE(elea88 @ Nov 23 2022, 08:17 AM)
open MBSB online on 21st morn. till now no news yet
will wait till tomorrow before call branch.

if really need appear at branch then will cancel application.
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why not call today? at least quickly get some answers or for them to expedite the approval
cybpsych
post Nov 23 2022, 09:06 AM

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QUOTE(elea88 @ Nov 23 2022, 08:58 AM)
hmmm.. i was hoping it will be automated. o.k later i call and update here if can do everything online.
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approval still ongoing or on queue

calling just to ask for status, maybe can nudge them a bit

QUOTE(rahsk @ Nov 23 2022, 09:03 AM)
All these high fd returns around 4% now, one has to click on the banner advert on main bank page, then only u can book the high fd rates!

I wished it was simpler if we just normally login,and place fd and can see the options.        Dont click banner,dont get high fd rates by normal booking
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can list all the banks doing this?

you seems to generalize this
cybpsych
post Nov 23 2022, 09:27 AM

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QUOTE(rahsk @ Nov 23 2022, 09:22 AM)
Example: login into cimbclicks and try place fd, the available products, max is 3% interest u can get.
on cimbclicks.com.my main page, you click 'high eFixed Return Income Account-i rates' advert, u get 3.9% for 12months

apologise for sounding to  generalise all banks do this, found in one so far
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yes, cimb practice this method, which is not secure at all...and they never learn from their past security mistakes doh.gif
cybpsych
post Nov 23 2022, 03:50 PM

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QUOTE(wayton @ Nov 23 2022, 02:51 PM)
For HL eFd and Tia, anyone set the Renewal option as "No"?

Will it automatically credit back to saving account when matured, or still need to uplift it?

If it is auto crediting, how your experience on timely credited back to saving account when mature?

Edited, what if the mature date falls on non-business day?  Credit on the date as well or need to wait for next business day?
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all my hlb tia = renewal NO biggrin.gif

IIRC, yes, auto credit both principal + profit to your SA upon maturity

crediting was timely cuz automatic.
cybpsych
post Nov 23 2022, 04:16 PM

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QUOTE(wayton @ Nov 23 2022, 04:07 PM)
Non business or holiday also credited timely on the day?

It credited whole lump sum principal + interest one one transaction like RM5,0xx.xx
or
2 transaction like Principal Rm5,000.00 + Interest amount.
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from my records, yes, auto-credited on Sat/Sun. not idea about PH, doesnt keep track this because each year is different laugh.gif

i use Excel count my profit and maturity date, easier to find out which day it falls.

2 separate lines

cybpsych
post Nov 24 2022, 10:20 PM

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public islamic revised rates

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cybpsych
post Nov 25 2022, 07:25 AM

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cybpsych
post Nov 25 2022, 10:20 AM

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QUOTE(BladeRider @ Nov 25 2022, 09:58 AM)
How come my account only can choose max 12 months?
Didn't see the 4.5%, Need to access from special banner for the promo?
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if you dont have Islamic Term Deposit account, then create a new one in PBe.

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cybpsych
post Nov 25 2022, 11:43 AM

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QUOTE(SatayRojak21 @ Nov 25 2022, 11:09 AM)
To all the Sifu,
If I got 100k place at HLB on 10OCT at 3.2% for 06mts
Should I withdrawal from HLB & place it in PBB at 4.5% 18mts?unsure.gif
Thank in advance icon_rolleyes.gif
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i took out few of my HLB TIA 12mth too, which were placed early Oct/end Sep.

placed to shorter 6mth term at MBSB instead. negligible difference, doesnt get heartache laugh.gif laugh.gif


for pbb 18mth, if you dont need to access the fund before maturity, still good IMO.

of course try not to keep hunting higher rate, cuz your (old) fund will never get to earn profit sweat.gif
cybpsych
post Nov 25 2022, 08:14 PM

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QUOTE(elea88 @ Nov 25 2022, 02:58 PM)
i got my ac no via sms. i just  bank in RM100
tried the online register with ac no.. it says cannot

so need wait 24 hrs is it?
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branch backend still need to presetup your online banking too

assuming they did it before EOB today, you should be able to register now.

have you retried?


when I did mine at the branch...

1) finalized account opening
2) received sms to make initial deposit
3) made deposit on the spot
4) issued debit card, setup pin
5) still need backend processing for online banking. estimate 1 hr duration
6) went back home. did some office work before got spare time to register online banking in the evening (roughly 5 hrs later)
7) success register
8) quickly transfer fund from other banks
9) apply etd-i booster



QUOTE(w19 @ Nov 25 2022, 01:27 PM)
Boss, how to get 3.74% pa FD min RM310k for alliance bank please?
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info here https://www.alliancebank.com.my/alliance-pr...come-offer.aspx

This post has been edited by cybpsych: Nov 25 2022, 08:22 PM
cybpsych
post Nov 29 2022, 09:09 AM

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QUOTE(poco loco @ Nov 29 2022, 03:51 AM)
i wonder why bank want to fpx fund from other bank into thier to get higher rate of efd...is this competion thinggy?
its troublesome if  the cust got only 1 bank leh
btw just found out publicbank ISLAMIC efd is so much higher.....i dont know whats the tnc for islamic thinggy.... so i can use right?i am chinese btw...and i tick all the NO when opening a efd account right those US and NON US thinggy
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fpx: that's the whole point lor. it's to DRAW the fund from other banks without having existing Maybank account. IMO, maybank should open to existing customers too (fund in mbb savings). obviously, using FPX will be certain that the fund is "fresh".

islamic banking product open to everyone, not a religion for you to join la.

FATCA declaration only. just answer honestly.
cybpsych
post Nov 29 2022, 11:14 AM

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QUOTE(socratesman @ Nov 29 2022, 09:53 AM)
So does this mean I'll open a new e-TD-i  account,  and under this one account  i shall  have multiple certs of RM 30k each?
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(un)fortunately, yes

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look at the bright side, can uplift any cert for emergency use biggrin.gif
cybpsych
post Nov 29 2022, 11:22 AM

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QUOTE(Nerdyfred @ Nov 29 2022, 11:19 AM)
Mine reflected but is not the promo rate, why?
Plus, unable to withdraw within the same day.
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yes, mbb efd cannot withdraw same day

also limited operating time from 6am-10pm only.



did you follow the steps?

Step 6: To enjoy higher rates, select ‘2, 4 or 6 months’ as your term, enter RM5,000 or more and select ‘Credit to account’ as your profit payment mode
cybpsych
post Nov 29 2022, 11:36 AM

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QUOTE(poco loco @ Nov 29 2022, 10:00 AM)
just back from ambank open new account...need to wait a week they say....i dun 1 to wait
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QUOTE(poco loco @ Nov 29 2022, 11:31 AM)
checking...
anyway fak em...i no wait.ill try maybank later
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huh?

they said need to wait 1 week, then for what purpose?

1) document validation?
2) account to be created?
3) account to be activated?
4) debit card to be created?
5) debit card to be sent?
6) online banking to be created?
cybpsych
post Nov 29 2022, 11:47 AM

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QUOTE(contestchris @ Nov 29 2022, 11:46 AM)
How long did it take you for it to be reflected?
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i didnt put to mbb

if i remember correctly, last time for mbb efd, if you are NEW, it would reflect next day.

if existing efd customer, will see the cert immediately.

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