MBSB CNY promo still available.
Effective rate 4.4% for 12 months

Public bank 12 month 3.9% for elite customer, 3.95% for elite + birthday

Worth a month mortgage payment for that extra %

Even Ambank can’t get 4% with special approval. Max 3.9% only.

They agreed to do my post dated cheque afterwards without me having to be there and will update once done.

Needs to see the FD tenure?... 15m or 24m

Also
That 0.05% can be few K $$$ difference?

That $$$ in FD is just spare, got other $$$ to use if emergency... Then I would take upon maturity option 🙏

10k is the difference with 0.05%? That's 20m principal?

got so much  money why go for 3.85% or 3.9% FD only?

what is that extra 0.05% when you can get 6x more at BI ..

Rize already can get 4%,  3.9% i wont even look

if you can get 3.85%for the monthly interest you get, the effective interest is 3.91x

What you mean by the 2 hours being "interrogated"???

We all previously placed 4.5%  FD... Not much issues also.... Until the staff comment... First time see many Chinese in bank Islam... All thanks to their attractive FD offering 🔥💰🤑

Boss u can choose either 1 to sign if JV of 2 in 1 acc. No issue at all.

But BI needs a single name acc to access online banking if not mistaken. Correct siudai if siudai is wrong. 😊

No wo boss I hav jv acc n I did ethg alone wan wo except the 1st time during opening of acc.

Can't deny tat each branch has their own way so maybe just by luck I met the easy goin branch???

Bank Islam joint account FD- mandate Either one to Sign — New placemenent, ok for either one to do it.

However, need both persona to be present to withdraw FD🥴.

Staff said withdrawal considered as closing account. Hence need all parties to be present

Sudah kena —- Do my new placenents just use 1 name.

Haha. Very kiasi. If want both to withdraw then we just choose both to sign. Really bangang a bit. Today my Ambank FD matured. OTC cannot redeem online, so I went to Ambank just now and done a transfer to MBSB. Going for 60 months lock in.

what? consider as closing account?

very headache got 2 name one 

here Bank Islam no joint account fd, only individual fd. reason staff said avoid problem.

many pattern

WTF , then what's the purpose for either one to sign??? 🤣

Anyway, Gong Xi Fa Cai everyone.... Huat ah..!!

Just to ask. My PBB FD for 12 months is expiring in mid March with 4.1%. What is the expected rate upon renewal for another 12 months?

All Sifu:

Let said you have 100K on hand ! which one save the most saving?

1) Put in FD for 1 years
2) Or put in mortgage principle for 1 years also, let said current interest 4.15%

Please advice and thanks, if can what will be the calculation for mortagage?

Anyone successful request Public bank red carpet Elte customer to request OTC FD for monthly interest and higher FD amount?

What are the requirements for each request?

My mum tried but being rejected.

I am more curious on why a Public bank Red Carpet Elite customer need to ask a question in this forum instead of asking RM?
the RM that assign to you dont entertain you even you are premier customer?

No matter how much, most of the RM sxxk if u only put in for fd. They will not entertain u even if you're private banking customer. My case, it took days to reply

yaya. just pointing out the major few points missing.
ps 2k is still small and it's pwe month? 😳

Yes. it's true legit rates.

they want to try retain all the $$$ & stop the outflows

Hello Sifus,
i have a stupid question here, if you have rm1million in a saving account, would you split it into 4 different banks with 250k each bank? since the PIDM covered up to 250k max just in case Bank A goes to bankrupt?

and for those high networth sifus who has more than 1million in FD/savings in 1 bank, would you afraid if this really happen?

thanks.. i really need to know this just in case if i have 1 million in future so i know it is needed to split since each bank PIDM covered up to 250k only

whoa you are the only one so brave!!
tak takut bank bankrupt etc

how about FD rate,
only want easy convenient  low rate 3% also dont bother?
very keng you.