Fixed Deposit Rates In Malaysia V. No.15, Strictly for FD Discussion Only
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 Jun 20 2023, 07:49 AM
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#1161
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All Stars
65,357 posts Joined: Jan 2003 
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Jun 22 2023, 09:12 AM
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#1162
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All Stars
65,357 posts Joined: Jan 2003
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HLB Priority Banking Welcome Proposition Fixed Deposit 4.08% promo
09 JUNE 2023-31 JULY 2023 https://www.hlb.com.my/en/personal-banking/...b-campaign.html  |
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Jun 26 2023, 08:23 AM
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#1163
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All Stars
65,357 posts Joined: Jan 2003
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QUOTE(poweredbydiscuz @ Jun 26 2023, 07:55 AM) I have one RHB eFD mature date today 26 June, but the interest is not credited and did not show mature yet. iirc, when you attempt to withdraw today, the portal screen will show the principal+profit amount as the final withdraw amount  the eFD summary screen doesnt show latest amount today, yet. |
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Jun 26 2023, 08:52 AM
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#1164
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All Stars
65,357 posts Joined: Jan 2003
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QUOTE(poweredbydiscuz @ Jun 26 2023, 08:49 AM) I try to withdraw and the final screen shows RM0.00 interest. I guess have to wait for tomorrow then. Hope can make it on time to transfer this to EPF this month. yeah, safer to check tomorrow |
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Jun 26 2023, 08:23 PM
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#1165
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All Stars
65,357 posts Joined: Jan 2003
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QUOTE(fartbrat @ Jun 26 2023, 08:06 PM) so technically BI fd is 4.25%. but why is everyone saying 4.5%? and the advertisement says "extra profit UP TO 4.25"? im a lil confused ..plus what's the catch of OPR+1.5% here lol where BI 4.25%? |
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Jun 26 2023, 08:27 PM
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#1166
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All Stars
65,357 posts Joined: Jan 2003
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QUOTE(nexona88 @ Jun 26 2023, 08:27 PM) Probably referring to this below 👇 I was asking him to show where he got the info. |
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Jun 27 2023, 12:45 PM
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#1167
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All Stars
65,357 posts Joined: Jan 2003
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QUOTE(jiaen0509 @ Jun 27 2023, 11:34 AM) Want to know, those promo rate that need use FPX. outbound: yes because it deduct from your CASACan we see the in and out transaction on our CASA account? inbound: should be no, because it's credited into FD account directly (not thru CASA) |
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Jun 27 2023, 02:57 PM
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#1168
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All Stars
65,357 posts Joined: Jan 2003
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Affin, updated 27/6
 source: online |
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Jul 1 2023, 05:29 AM
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#1169
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All Stars
65,357 posts Joined: Jan 2003
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QUOTE(chiacp @ Jun 30 2023, 04:35 PM) Hong Leong FD/FDi & eFD/eFDi promotion: 01 July to 31 July 2023 ▶️ 3m @ 3.70%pa ▶️ 6m @ 3.85%pa ▶️12m @ 3.80%pa Min placement = RM10k One day Efd/EFDi on 7/7/2023 6months : 3.99% pa * Fresh fund required TC apply. QUOTE(coldzerotarget @ Jul 1 2023, 12:53 AM) |
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Jul 1 2023, 07:44 AM
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#1170
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All Stars
65,357 posts Joined: Jan 2003
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PB Special Fixed Deposit Campaign
1 July 2023 to 30 September 2023 https://www.pbebank.com/pdf/Banking/tc_specialFD-en.aspx
PB eFD via FPX 1 July 2023 to 30 September 2023 https://www.pbebank.com/pdf/Promotions/en/efdfpxntnc.aspx
 Affin eFD  This post has been edited by cybpsych: Jul 1 2023, 08:10 AM |
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Jul 4 2023, 07:32 AM
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#1171
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All Stars
65,357 posts Joined: Jan 2003
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Public Islamic
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Jul 7 2023, 08:44 AM
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#1172
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All Stars
65,357 posts Joined: Jan 2003
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QUOTE(HolyCooler @ Jul 7 2023, 01:32 AM) I have a question. Let's say if you suddenly have extra 8mil-10mil from company dividen (example, a much bigger company bought your company's share and injected money in, and you are able to get this dividen money due to you have the company share) assuming all proper/legit with documentations ready, etc...1. When so much money goes to your bank account, Would you be able to negotiate with the bank to get above market's interest rate? 2. Or bank usually wouldn't need so much FD from an individual account, and you can only follow their normal rate / promotion rate (if available?) 1) usually yes, you have the bargaining power, but also subject to bank's approval 2) depends. usually there is a max cap for each placement. of course (1) above may supersede it conditionally. separately, you may also want to check with your RM/bank whether your individual account can/allowed to receive such a big fund. they may advise you to "upgrade" to current account, business account, or higher account level. just my 2c  HolyCooler liked this post
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Jul 7 2023, 04:55 PM
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#1173
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All Stars
65,357 posts Joined: Jan 2003
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finally, joined BIMB's TDT 4.50% @ 12mth campaign
just got some FDs matured @ HLB today, withdraw it thru Bank Draft (RM5.65 fee) cuz HLconnect can only do max RM50k per day went to BIMB, was hoping Bank Draft -> BIMB BSA immediately -> TDT placement, but staff staid Bank Draft need clearance. If deposit to BSA, then TDT will only dated at clearance date. however, BIMB also allow direct TDT placement from Bank Draft/other sources and will be effectively dated on placement date (mine @ 7/7/2023)  just that i can only collect the certificate next week cuz it can only be issued once Bank Draft is cleared.profit will only available together with TDT once matured, eventhough you have BSA with them. nvm, i already linked my BSA with SSPN too. good to keep an account with BIMB for future TDT/SSPN uses. at the counter, i did ask them what happen if maturity falls on weekend? staff said system wont adjust the date and no profit given (verbal info). just checked BIMB portal, maturity date set to 8/7/2024 (Mon) as default maturity 7/7/2024 falls on Sunday. couldnt see the profit yet in BIMB portal (or reflect tomorrow? tbc). let's see if the certificate will have it printed.  --------- those who wants to open BIMB account... » Click to show Spoiler - click again to hide... « This post has been edited by cybpsych: Jul 7 2023, 04:58 PM |
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Jul 7 2023, 05:06 PM
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#1174
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All Stars
65,357 posts Joined: Jan 2003
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QUOTE(Human Nature @ Jul 7 2023, 05:02 PM) I did mine today too. Auto adjusted to 8 July, extra profit is given, printed at the cert. the extra profit is promo rate or base rate? |
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Jul 7 2023, 06:26 PM
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#1175
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All Stars
65,357 posts Joined: Jan 2003
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QUOTE(BWassup @ Jul 7 2023, 06:18 PM) Differences in policies and practices by different Bank Islam branches is really quite bizarre. well, at least they gives same-day effective date It's been verified by many posters than placement with Bank Draft/Cashier Order does not require cheque clearance before issuance of FD. Just wasting your time and cost to go one more time.  They really need better communication from HQ to all Branches so the policies and practices are consistent throughout all branches.  just a 'lil trouble to fetch the cert.i noticed bimb portal can do withdrawal for the TDT too. not sure functional or not haha also noticed txn limit for outgoing DuitNow Transfer is RM100k. not sure working or not. noticed this error message when i mistakenly entered my nric as amount, then the error prompted the limit breached  BWassup liked this post
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Jul 8 2023, 09:00 AM
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#1176
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All Stars
65,357 posts Joined: Jan 2003
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QUOTE(bbgoat @ Jul 8 2023, 08:29 AM) BI online TDT withdrawal works. I did that once. But u need to approve the transaction in their app. ouch still need the app thx for the tips |
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Jul 9 2023, 10:43 AM
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#1177
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All Stars
65,357 posts Joined: Jan 2003
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QUOTE(gamenoob @ Jul 9 2023, 10:21 AM) Not so simple. I believed BNM will freeze such acvt if they aware of such death reported. that is why 'either one to sign' is important, in case of either party is demised. Maybe others can elaborate if indeed they have been through such. My bankers from uob HSBC say joint account have such issue if one party deceased. Need to settle probate etc etc banks won't know the death immediately, even after reported to NRD/JPN. better quickly go to bank and withdraw immediately (maturity and profit is irrelevant now). be calm and withdraw as usual (even when you are grieving at that moment) |
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Jul 10 2023, 07:49 AM
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#1178
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All Stars
65,357 posts Joined: Jan 2003
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QUOTE(Michael12345678 @ Jul 9 2023, 10:24 PM) BI already 5% bro... show proof that final effective rate is 5% |
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Jul 10 2023, 01:58 PM
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#1179
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All Stars
65,357 posts Joined: Jan 2003
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QUOTE(ssiapf @ Jul 10 2023, 01:08 PM) BI 5% ,is there anyone can confirm this? mmg dont have lamax is just 4.5%. just did my 2nd placement today. |
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Jul 12 2023, 10:52 AM
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#1180
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All Stars
65,357 posts Joined: Jan 2003
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QUOTE(cybpsych @ Jul 1 2023, 07:44 AM) PB Special Fixed Deposit Campaign PB Special Fixed Deposit Campaign1 July 2023 to 30 September 2023 https://www.pbebank.com/pdf/Banking/tc_specialFD-en.aspx
PB eFD via FPX 1 July 2023 to 30 September 2023 https://www.pbebank.com/pdf/Promotions/en/efdfpxntnc.aspx
112 July 2023 to 30 September 2023 https://www.pbebank.com/pdf/Banking/tc_specialFD-en.aspx
PB eFD via FPX 12 July 2023 to 30 September 2023 https://www.pbebank.com/pdf/Promotions/en/efdfpxntnc.aspx
Public Islamic  This post has been edited by cybpsych: Jul 12 2023, 10:53 AM |
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