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

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cybpsych
post Apr 3 2025, 04:02 PM

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QUOTE(Zhik @ Apr 2 2025, 04:58 PM)
Any minimum amount to entitle the rate?
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Term Deposit-i Campaign | MBSB

https://www.mbsbbank.com/sites/default/file...28upload%29.pdf


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This post has been edited by cybpsych: Apr 3 2025, 04:03 PM
cybpsych
post Apr 4 2025, 06:24 PM

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QUOTE(sibeh hoseh @ Apr 4 2025, 05:52 PM)
Hi is this pure fd or investment? As it mentioned td-i.
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td-i = term deposit-islamic product
cybpsych
post May 5 2025, 05:09 PM

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QUOTE(ikanez @ Apr 11 2025, 05:51 PM)
Be U / Bank Islam has new TD campaign out . Now up to 4% for 12 month tenure. More details at https://getbeu.com/campaigns/BeU-TDT-Advance

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QUOTE(InstantNoodles @ May 5 2025, 01:56 PM)
BeU bank

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cybpsych
post May 7 2025, 08:34 PM

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QUOTE(iGamer @ May 7 2025, 06:04 PM)
Anyone can confirm HLBB is having 6% FD promo for 12mth?
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where did you get the info lahhhh

since you written it so clearly that it's "FD", then you should already know the answer
cybpsych
post May 21 2025, 03:22 PM

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QUOTE(diehard1979 @ May 21 2025, 02:59 PM)
https://www.cimb.com.my/en/personal/promoti...paign.html#casa

This only for eFD? if go to branch can get this rate?
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already asked you to do in cimb app/web only

obviously not for OTC/branch


you can try calling your preferred branch and see if they got any OTC offer available
cybpsych
post May 26 2025, 08:21 AM

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QUOTE(bbgoat @ May 24 2025, 02:27 PM)
They have improved. Few years ago have to asked them to credit the weekend add'l days of interest.

Also for the add'l 1k for FD renewal, over heard the branch mgr talking to one customer. The 1k has to be deposited on the day of renewal. Other banks allowed "fresh" funds to be few days into the acct. But not 100% sure as I just overheard this.
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actually, to be safe, transfer 1k for the day of renewal is better. lesser dispute here and there. sweat.gif

also, the add-on 1k is per placement. eg if you split you rollover fd (large chunk) into >1 placement (smaller chunks), then must addon 1k into each placement.
cybpsych
post May 26 2025, 11:56 AM

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QUOTE(chadavox @ May 26 2025, 09:42 AM)
Not true. To rollover, you just add in RM1K and you can split into a few smaller amount placments. I just did that last week.
Actually, you guys can read up the information of the additional RM1K for the rollover in MBSB website. Don't be lazy. You
can even call up the branch for info.
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i know what's written on the website

my mbsb branch was the one "requiring" rm1k topup per placement.
cybpsych
post May 26 2025, 02:12 PM

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QUOTE(chadavox @ May 26 2025, 01:43 PM)
Sorry to hear that.
Actually, staff's training is very important.
It is very important for them to know the bank's product offered and the required terms.

Once, I went to a Hong Leong bank to place a FD on the counter.
It was a new promo the bank was offering. The staff who served me told
me there was no such promo, and turned me away.

Confused, I called up the customer service for confirmation and they told
me the promo was available.
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i believe diff branch have diff way of interpreting it biggrin.gif

anyway, i'll be dropping by another mbsb branch later this week. will observe their rollver topup policy. thumbup.gif
cybpsych
post Jun 19 2025, 08:40 AM

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QUOTE(diehard1979 @ Jun 18 2025, 09:21 PM)
let say FD withdraw to saving account and it is RM80k. Then transfer from bank A to bank B RM50k (as daily limit) then transfer back from bank B to bank A RM50k. Then this fresh 50k funds +old RM30k in bank A will consider all RM80k as fresh funds? or that RM30k must also go out then go back to make all RM80k fresh funds?
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try read the t&c on the "freshness" acceptance criteria

usually, "freshness" is not to use the fd fund and immediately make a new placement, back-2-back.

yes, this is one stupid t&c set by bank, as if the fund is "smelly". the fund came from their own bank system and yet they claimed it's not "fresh" for new placement. mega_shok.gif

your example, should be "fresh" since it has gone outside of Bank A's system and "rinsed" already laugh.gif


another way, dont make it identical amount lor. make it 81k placement.
cybpsych
post Jun 27 2025, 08:09 AM

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QUOTE(bbgoat @ Jun 26 2025, 11:42 AM)
BI FD matured on Friday which is a public holiday. Can only withdraw on Monday.

First time encounter it in BI. Do BI pay extra interest for FD matured over public holidays ?

Anyway will ask them on Monday.
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my mbsb otc fd also got adjusted its maturity to next working day (30/6), which is additional 3 days thumbup.gif

FD slip printed on 27/6/2024 stated maturity falls on 27/6/2025; but seems the system auto-adjusted it (good and reasonable logic to extend to next working day)

i guess will get extra interest. gotta check next Monday then. sweat.gif

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cybpsych
post Jul 1 2025, 10:44 AM

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QUOTE(hedfi @ Jul 1 2025, 10:11 AM)
BIMB 4% 12 mths extended till Aug
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haizzz need to move my mbsb to bimb
cybpsych
post Jul 1 2025, 12:13 PM

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QUOTE(jkngo2003 @ Jul 1 2025, 10:52 AM)
now bimb app can do TDT again online.
dont need go to branch. but only 4percent 12months
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do in bimb app is not the issue ..

issue is moving the fund from mbsb haha
cybpsych
post Jul 3 2025, 01:43 PM

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QUOTE(kplaw @ Jul 1 2025, 11:46 PM)
*🎉  MBSB Bank Term Deposit / Term Investment Account Promotion*
✨Both TDi and TIA rate effective from *July 1 to July 15* as below:

Tenure        TDi      TIA
🔥3 Months    3.70%  3.72%
🔥6 Months    3.75%  3.75%
🔥9 Months    3.95%    3.97%
🔥12 Months    3.93%  3.95%
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QUOTE(guy3288 @ Jul 3 2025, 01:23 PM)
share with you guys
me no interest now
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same as above

just moved fund out from mbsb to bimb
cybpsych
post Jul 4 2025, 09:02 AM

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QUOTE(brandonkl @ Jul 3 2025, 09:19 PM)
Has anyone checked out Bank Muamalat's Atlas? It states 5% profit rate. 

Found the FAQ for the 5% Profit Rate.

https://atlasmuamalat.com.my/faqs/

Click on Hi-5! Campaign in FAQ.

- 3 month campaign from 3 July to 3 Oct 2025 or if the campaign portfolio reached RM25 million, whichever comes first.
- 5% profit/interest for maximum RM50k deposit only.
- Interest credited daily.
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ATLAS by Bank Muamalat Malaysia Berhad (“ATLAS”) is a digital banking that is brought to you by Bank Muamalat Malaysia
Berhad (BMMB).

just like Be U by Bank Islam or Rize by Al-Rahji (now absorbed back)

it's a savings product, not fixed deposit




anyhow, just registered, done ekyc. but cannot deposit anything yet. got 12hr cooling off period after registration doh.gif
cybpsych
post Jul 4 2025, 03:25 PM

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QUOTE(mamamia @ Jul 4 2025, 03:08 PM)
today withdraw my BI FD online, wan to transfer out, but, keep showing transaction limit exceeded, check the transaction limit is already set at 50k, dunno y keep showing transaction limit exceeded, can only transfer 5k out..
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no issue for me though. can transfer out 50k lumpsum (50sen fee)

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wanted to place bimb eTDT but it doesnt accept fund from OWN SA shocking.gif mad.gif

fund moved from mbsb sa > bimb sa > maybank sa > bimb tdt placement doh.gif

cybpsych
post Jul 4 2025, 04:25 PM

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QUOTE(mamamia @ Jul 4 2025, 03:41 PM)
sigh, i try 30k also cannot... now trying to reduce the transaction limit n increase again, need to wait 12 hours cooling off period
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could it be withdrawal from FD already utlized the quota?

any other transfers/transactions happened today?
cybpsych
post Jul 7 2025, 01:11 PM

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QUOTE(KOEL @ Jul 7 2025, 12:17 PM)
Did you try to transfer money into it?  I tried  transferring money into the AC but it rejected for reason " Transaction declined by receiving bank due to issues with recipient account".  I opened my Atlas on July 4th; so already passed the cooling off period.
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atlast topic here https://forum.lowyat.net/topic/5530476
cybpsych
post Jul 9 2025, 11:36 AM

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QUOTE(thenuts15 @ Jul 9 2025, 08:15 AM)
Hi,
Public Bank got any promo?
Thanks
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sure got...


PB eFD Via FPX Campaign

PB Special Fixed Deposit Campaign

Term Deposit-i and eTerm Deposit-i Campaign | Personal Banking | PIBB

Announcements | Personal Banking | PIBB
cybpsych
post Jul 10 2025, 11:41 AM

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QUOTE(voc8888 @ Jul 4 2025, 05:18 PM)
Any one here did a FTA-1 Bonus Booster placement with Bank Muamalat with Monthly Interest ?

Did Bank Muamalat called to notify that they've actually made a mistake for allowing monthly interest for this FTA-1 Bonus Booster promotion, and would like to terminate it with immediate effect, honoring whatever interest that had already been credited to the saving account for the past few months, but to end the previous placement with immediate effect, converting to new placement for a new tenure of another 12 months but interest payable on maturity.

I have officially rejected their above proposal, requesting them to honor what has been agreed at time of placement ie continue with the monthly profit payment till maturity. The bank officer said they will notify and refer to higher authority for further actions.

Bank Muamalat rectification action is very wrong, and I believe we could refer and file in case with Bank Negara if Bank Muamalak is taking the action of terminating and changing their T&C half way through by force.
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QUOTE(brandonkl @ Jul 4 2025, 06:16 PM)
Me!

Yeah, they called me this afternoon and said some technical mistake in that one particular FD (with monthly interest).  They said something like will extend my FD for 2 mths with same 4% interest. I didn't catch them saying no more monthly interest.

I was not really paying attention as I was having lunch. That's fine with me as my other FDs with them no monthly interest.

I already suspected this monthly profit is too good to be true because what if the FD is cancelled and funds withdrawn before the maturity?

I told her to send me an email and she said okay.
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QUOTE(BoomChaCha @ Jul 10 2025, 10:16 AM)
3.9 BMMB reserves the right to cancel, terminate or suspend this
Campaign with prior notice at least 21 calendar days
prior to the
cancellation / termination or suspension of this Campaign. For
avoidance of doubt, cancellation, termination or suspension by
BMMB of the Campaign shall not entitle the accountholders to any
claim or compensation against the BMMB for any and all losses or
damages suffered or incurred by the accountholders as a direct or
indirect result of the act of cancellation, termination or suspension
unless such losses or damages are attributable by BMMB’s gross
negligence, willful misconduct or fraud.

https://www.muamalat.com.my/wp-content/uplo...nus-Booster.pdf

Depositors who participate this Bonus Booster can be terminated by Bank Mumualat suddenly?
Just called MBSB
Recent FD promo is still available until 15 of July 2025
9 months 3.95%
12 months 3.93%
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cybpsych
post Jul 15 2025, 09:03 AM

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QUOTE(nexona88 @ Jul 15 2025, 08:40 AM)
Someone mentioned Bank Muamalat decided to keep their FD rates around 4%

Saw some post previously...
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https://www.muamalat.com.my/wp-content/uplo...nus-Booster.pdf

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