QUOTE(kenny79 @ May 25 2020, 09:51 AM)
Anyone can find a 3% per annual now ...?
Bank Rakyat 3 years upwards. I would not do it.Fixed Deposit Rates In Malaysia V. No.15, Strictly for FD Discussion Only
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 May 25 2020, 12:10 PM
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Junior Member
775 posts Joined: Nov 2015  
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May 25 2020, 12:38 PM
Show posts by this member only | IPv6 | Post
#16542
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Junior Member
248 posts Joined: May 2020
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QUOTE(GrumpyNooby @ May 25 2020, 11:43 AM) An acknowledgement slip will be sent to your registered email in Affin Online. Last year when I place it, I did not received any documents either hard copy or soft copy. Is that normal? |
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May 25 2020, 12:43 PM
Show posts by this member only | IPv6 | Post
#16543
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(Anangie @ May 25 2020, 12:38 PM) Last year when I place it, I did not received any documents either hard copy or soft copy. Is that normal? All my placements have acknowledgement slip sent to my registered email.Perhaps you should check with Affin CS to verify your email address stored in Affin Online. |
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May 25 2020, 07:16 PM
Show posts by this member only | IPv6 | Post
#16544
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Junior Member
248 posts Joined: May 2020
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QUOTE(GrumpyNooby @ May 25 2020, 12:43 PM) All my placements have acknowledgement slip sent to my registered email. Ok, thanks for your information.Perhaps you should check with Affin CS to verify your email address stored in Affin Online. |
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May 25 2020, 08:50 PM
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Senior Member
1,192 posts Joined: Nov 2008 From: Cheras
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QUOTE(Anangie @ May 25 2020, 11:42 AM) For Affin E-FD, is there any FD Cert/advice will be sent to us as mentioned? Last time i place the E-FD, there is no document to be sent to me. ur should able to ur placement when u login online account. |
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May 25 2020, 09:49 PM
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Senior Member
796 posts Joined: May 2005
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cancel
This post has been edited by fishmango: May 25 2020, 09:49 PM |
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May 26 2020, 12:44 AM
Show posts by this member only | IPv6 | Post
#16547
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Newbie
26 posts Joined: Oct 2014
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QUOTE(yongs90 @ May 23 2020, 04:41 PM) Summary FD Promotion Refer post 16472 https://forum.lowyat.net/topic/4154481/+16460 3m at 3.15% for Alliance Online selected customer 4m at 2.58% for PBe 6m at 2.88% for Affin Online/OTC 10m at 2.70% for OCBC eFD Affin eFD 14 May 2020 to 30 June 2020 3mths 2.68% 6mths 2.88% min: RM10k max: RM10k https://www.alliancebank.com.my/promotions/...ed-deposit.aspx Alliance Bank Offer 1 (Valid until 31 May 2020 only) 12mths 2.80% non privilege banking customer 12mths 2.85% privilege banking customer min: RM50k fresh fund Fresh Funds in CASA: min RM10k Offer 2 5 months step up fd month 1: 2.7% month 2: 2.8% month 3: 2.9% month 4: 3.0% (effeective step up rate) month 5: 3.6% Min: RM50k fresh fund Fresh Funds in CASA: min RM10k Offer 3 Refer link above for info Unit Trust + Fixed Deposit Bancassurance + Fixed Deposit https://www.hlb.com.my/en/personal-banking/...fd-i-promo.html HLBB eFD 15 May 2020 – 30 Jun 2020 3mths 2.6% min: RM5k fresh fund (FPX) https://www.maybank2u.com.my/maybank2u/mala...di-fpx0520.page? MBB eFD Maybank Islamic Fixed Deposit-i (eIFD-i) - FPX Campaign 18 May 2020 to 18 June 2020 2 mths 2.43% 6 mths 2.59% min: RM5k fresh fund (FPX) https://www.cimbclicks.com.my/efd-may20.htm...FD%20May%202020 CIMB eFD 18 May until 30 June 2020 3mths 2.45% 6mths 2.5% 12mths 2.55% min: RM5k use this to place: https://www.cimbclicks.com.my/fdrate https://www.ocbc.com.my/personal-banking/ac...ed-deposit.html OCBC eFD 13 May till 31 May 2020 10mths 2.7% min: RM1k https://www.pbebank.com/pdf/Promotions/tc_efdviafpx-en.aspx PBB eFD 1 May 2020 to 31 May 2020 4mths 2.58% min: RM10k fresh fund (FPX) |
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May 26 2020, 12:44 AM
Show posts by this member only | IPv6 | Post
#16548
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Newbie
26 posts Joined: Oct 2014
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thank you for list it out.
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May 26 2020, 12:44 AM
Show posts by this member only | IPv6 | Post
#16549
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Newbie
26 posts Joined: Oct 2014
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QUOTE(jason2010 @ May 26 2020, 12:44 AM) |
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May 26 2020, 04:21 PM
Show posts by this member only | IPv6 | Post
#16550
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Senior Member
1,064 posts Joined: May 2016
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No more walk-around survey of FD rates at the banks because of Covid-19. FD rates also low below attractive 4 % at least for promotions. Instead of survey the banks, survey the customers here.
Disregarding OPR and FD board rates and savings rates, ask you:- A) What is the appropriate promo FD rate if you are in the shoes of banks? B) What is the appropriate promo FD rate if you are :- 1) Filthy rich / run funds? 2) Still have a viable business/job or self income? 3) Depends on FD as not skilled in other riskier investment activities? Please share some explanation of your reply so that can appreciate what is possible to be done. Thanks. This post has been edited by Deal Hunter: May 26 2020, 04:24 PM |
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May 26 2020, 07:55 PM
Show posts by this member only | IPv6 | Post
#16551
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Junior Member
269 posts Joined: May 2020
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FD promo rates at UOB till 31/5
7 months 2.6%pa 9 months 2.75% pa |
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May 26 2020, 07:56 PM
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All Stars
26,529 posts Joined: Jan 2003
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For maturing FD in UOB, placed OTC, can we withdraw it online? If yes, can it be withdrawn on the same day as maturity date, without penalty?
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May 26 2020, 07:56 PM
Show posts by this member only | IPv6 | Post
#16553
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(babysotong @ May 26 2020, 07:55 PM) FD promo rates at UOB till 31/5 eFD at PIB?7 months 2.6%pa 9 months 2.75% pa |
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May 26 2020, 09:49 PM
Show posts by this member only | IPv6 | Post
#16554
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Junior Member
190 posts Joined: Oct 2005
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QUOTE(Human Nature @ May 26 2020, 07:56 PM) For maturing FD in UOB, placed OTC, can we withdraw it online? If yes, can it be withdrawn on the same day as maturity date, without penalty? FD mature is either renewed or credited to yr nominated account. If renewed at board rate I believe you can go online to cancel the FD and credit the principal to yr a/c. You can then on the same day transfer the money out. Note this is limited to RM50k daily but you do need to change the daily limit for transfer to the max 50k |
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May 26 2020, 09:53 PM
Show posts by this member only | IPv6 | Post
#16555
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Senior Member
6,614 posts Joined: Mar 2011
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QUOTE(Human Nature @ May 26 2020, 07:56 PM) For maturing FD in UOB, placed OTC, can we withdraw it online? If yes, can it be withdrawn on the same day as maturity date, without penalty? For UOB FD OTC placement, we can do online withdrawal. Same day as maturity date, no penalty. Fund available immediately for transfer |
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May 26 2020, 09:56 PM
Show posts by this member only | IPv6 | Post
#16556
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Junior Member
191 posts Joined: Jun 2019
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Human Nature,
I unable answer your questions, but the FD without penalty, before mature day you'll lose the all interest this is assumed partial withdraw all. I think your FD printed date shown the mature day, in the same day, you can call the branch to check or ask, or if your have UOB online, when you saw last interest ready bank in to your account, I think matured, free to withdraw. Also GrumpyNooby, if I not wrong even lose the UOB FD slip also not need report police, this is mean you only bring your IC also can OTC withdraw your FD, but avoid trouble just safe kept and bring it when time come. Others bank also not need report police, just lose bank draft I think all want report police. Now, UOB and others bank time operating is different. This post has been edited by yourinfohere: May 31 2020, 08:40 PM |
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May 26 2020, 10:00 PM
Show posts by this member only | IPv6 | Post
#16557
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(yourinfohere @ May 26 2020, 09:56 PM) Human Nature, The FD slip is not FD certificate; just an acknowledgement slip.I unable answer your questions, but the FD without penalty, before mature day you'll lose the all interest this is assumed partial withdraw all. I think your FD printed date shown the mature day, in the same day, you can call the branch to check or ask, or if your have UOB online, when you saw last interest ready bank in to your account, I think matured, free to withdraw. Also GrumpyNooby, if I not wrong even lose the UOB FD slip also not need report police, this is mean you only bring your IC also can OTC withdraw your FD, but avoid trouble just safe kept and bring it when time come. Others bank unable. Now, UOB and others bank time operating is different. My maturity instruction for the FD-i that was placed last year OTC is to credit the amount into the nominated saving account. I did ask if I can uplift the FD online. The cashier counter staff did say YES. This post has been edited by GrumpyNooby: May 26 2020, 10:01 PM |
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May 26 2020, 10:15 PM
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All Stars
26,529 posts Joined: Jan 2003
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Thanks for all the replies. Just realized that still need to go UOB this week to withdraw cash OTC to avoid CASA being dormant.
June will be a heartache month as few FD maturing. Will divert a bulk of them into BR as their 2.75% 12m is the best bet for now. |
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May 26 2020, 10:38 PM
Show posts by this member only | IPv6 | Post
#16559
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Junior Member
191 posts Joined: Jun 2019
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I not sure UOB can deposit then can avoid dormant or not, but before some bank can.
If UOB withdraw no matter OTC or online you can avoid dormant, then if you have UOB online and FD, just withdraw FD, after this use the IBG/IBFT withdraw to your any bank account, this step ready can avoid dormant UOB account. If don't have FD only RM20, I think UOB online also allow IBG/IBFT withdraw RM1, then later you deposit back RM1 to UOB kept the min balance. If not wrong, is like that, so at this moment better try call or email to get answers. |
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May 26 2020, 10:53 PM
Show posts by this member only | IPv6 | Post
#16560
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Junior Member
269 posts Joined: May 2020
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QUOTE(GrumpyNooby @ May 26 2020, 07:56 PM) eFD at PIB? The promo rates are for placement OTC only. As for the other question, I think it has been answered - can withdraw online at the Internet Banking. Can withdraw on the same day as the FD mature without any penalty. One thing to be aware, when place FD at promo rate (OTC), was told it will be automatically renew when mature. So, either have to withdraw manually using their Internet Banking when mature or amend FD instruction in the Internet Banking before it mature so that the funds will automatically credit to your savings account upon maturity. If not, banyak rugi kena renew at board rate if we don't notice it. |
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