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

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brandonkl
post Jan 4 2025, 03:57 PM

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QUOTE(oldkiasu @ Jan 1 2025, 01:57 PM)
Bank Muamalat 4.10% 12m, 4.05% 6 m
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I messaged Bank Mualamat in Facebook and they informed me this campaign ended 31 Dec 2024.
brandonkl
post Jan 4 2025, 06:24 PM

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QUOTE(nexona88 @ Jan 4 2025, 05:29 PM)
Any new offering by them for January 2025??
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No offering as at today.
brandonkl
post Jan 8 2025, 11:17 PM

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Alliance posted this in their Facebook today.

3.98% - 6 mths
4.05% - 12 mths

Until 28 Feb 2025. Over the counter only. Minimum 10k placement.

https://www.alliancebank.com.my/Alliance-Ba...it-Promotion-TC

https://www.alliancebank.com.my/Promotions/...cny-celebration

This post has been edited by brandonkl: Jan 8 2025, 11:27 PM


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brandonkl
post Jan 9 2025, 04:39 PM

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QUOTE(killeralta @ Jan 9 2025, 01:45 PM)
Only saturday got the special rate?
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Everyday available until 28 Feb 2025 or until they reach their RM700 million quota.
brandonkl
post Jan 13 2025, 05:08 PM

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QUOTE(cybpsych @ Jan 13 2025, 04:36 PM)
PBB FD rates are always low or lowest among the big local banks.

Among the bigger local banks, HLB is the highest.
brandonkl
post Jan 20 2025, 10:56 AM

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QUOTE(plantcloner @ Jan 20 2025, 10:52 AM)
Alliance Bank FD promo:
I have just come back from USJ branch, I could not place the promo FD for 12 months @4.05%, instead, only the promo for 6 months @3.98% were still available.
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Why cannot place 12 months? I don't think they will reach the 4.05% threshold of RM700 million so soon.
brandonkl
post Jan 25 2025, 10:31 PM

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QUOTE(cybpsych @ Jan 25 2025, 09:15 PM)
Campaign Period: 21 January 2025 – 31 July 2025

Unlock Wow-Laweh savings and investments with Bank Muamalat!

Enjoy a special 3.98% p.a. for 12 months—exclusively when you apply for Visa Infinite-i Credit Card.

Terms and Conditions | FAQ

user posted image
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Funny they have this credit card application requirement for the 3.98% as not everyone qualifies for a credit card, unlike opening a bank account/apply debit card.
brandonkl
post Jan 28 2025, 04:17 PM

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QUOTE(Optizorb @ Jan 28 2025, 11:36 AM)
mbsb
user posted image
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MBSB promotion FD always over-the-counter.
brandonkl
post Feb 10 2025, 06:12 PM

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QUOTE(chicaman @ Feb 10 2025, 03:48 PM)
So far Muamalat 3.98% and MSBS 4.0% is still the best, waiting for better rate
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Muamalat 3.98% must apply their credit card, approved and activated. So, not many will be eligible or interested.
brandonkl
post Feb 13 2025, 11:47 AM

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QUOTE(Ichitech @ Feb 12 2025, 09:54 PM)
AMBG = AMBANK?
Is this EFD or OTC
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EFD .. better be quick... last day for this rate is 16 Feb 2025.


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brandonkl
post Feb 17 2025, 07:03 PM

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AM Bank New FD Rates.


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brandonkl
post Mar 1 2025, 09:53 PM

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Be U : 1 March to 31 May 2025

12 mths : 3.85%
5 mths : 3.65%
9 mths : 3.75%


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brandonkl
post Mar 3 2025, 08:50 AM

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As at today, MBSB still highest with 4% for 12 months.
brandonkl
post Mar 3 2025, 09:20 AM

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QUOTE(romuluz777 @ Mar 3 2025, 09:09 AM)
Is this over counter FD, bro ?
FD cert ada kasi ?
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Yes, only OTC. Last day was 28 Feb 2025.

FD cert ada kasi.
brandonkl
post Mar 12 2025, 11:06 AM

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QUOTE(oldkiasu @ Mar 11 2025, 11:39 PM)
Bank Muamalat WOW-LAWEH FTA, until 31 July 2025
6m 3.80 % min 30k
12m 3.98 % 50k
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You need to apply their credit card and cc approved to be able to get these rates. Too troublesome.
brandonkl
post Mar 12 2025, 11:10 AM

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HLB e-FD from 12 March to 6 April 2025.

Min deposit 1k and max 200k.

I think best 6 months (3.88%) rate among all banks as at today.

This post has been edited by brandonkl: Mar 12 2025, 11:10 AM


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brandonkl
post Mar 13 2025, 03:50 PM

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QUOTE(cybpsych @ Mar 13 2025, 10:49 AM)
rare to see rm200k for individual

anyhow, public bank individual has RM100k fpx b2c limit biggrin.gif
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Public Bank is a pain and too strict.

Change phone need to go ATM or branch to activate Secure Sign. After that, 12 hours wait.

If you duitnow transfer big amount to a new account first time, even after you approve with Secure Sign, they still hold it for 12 hours.

Even duitnow to a new account first time under your name, they also hold it for 12 hours.

To me, this is too strict. I use HLB, CIMB, AmBank, Alliance, Boost, GX, Aeon, SCB no such hold for new account transfer as long as approve with Secure approval.


brandonkl
post Mar 14 2025, 11:16 AM

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QUOTE(CommodoreAmiga @ Mar 14 2025, 07:19 AM)
A few precautions:
1. Your Bank phone don't go surf dodgy sites or use Facebook (my sister's phone just got hacked because she download some stuff from FB...supposely it's a menu, but actually a malware. They don't ask you to download app anymore. JUST DON'T USE FB TIKTOK or whatever crap socmed).
2. Do not use same id and password for bank accounts, all use different id and passwords.
3. Don't download any apps more than what's required. Don't play shit mobile games on it. Don't watch porn on it.
4. Install good paid internet security like BitDefender on your phone.
5. Have a dedicated dumb Nokia phone for your OTP SMS from banks. So even malware hack your main phone, they can't get the SMS as it's sent elsewhere.
6. Your main phone make sure has security software update and support. When the software support EOL, then change new phone with at least 4 years of security updates or more(which is what i did recently).

Of course it's not 100% foolproof, nothing is, but surely it makes everything just more secured and more difficult for bad actor.

I don't really bother about limits nowadays.

My Nokia 110.... rclxms.gif
user posted image
Not really. I have just changed phone.

Maybank, RHB, Islamic Bank all need ATM to activate new device. HLB is crazy, although don't need ATM to activate, send SMS multiple times, then send email with PDF, then use code in PDF, then send SMS again.

CIMB is very unsecured, can straight login to new phone to remove your registered device. WTF.
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Yeah, I have HLB ... doesn't need ATM to activate but the process of multiple SMS, emails with PDF, code etc is a tedious and complicated process if you have no patient and don't read the instructions carefully... I think HLB is the only bank who uses this process. Complicated but I like coz no need go ATM machine...hahaha .. because I change phone at least once a year or sometimes twice a year, I am already used to this process but if you do it the first time, you will be confused and lost if you don't read the full instructions.

CIMB basically the easiest when changing phone. Just need to unbind from old phone and enter sms code in new phone.

Okay, sorry for the diversion to this topic... now, back to FD related matters! biggrin.gif

This post has been edited by brandonkl: Mar 15 2025, 09:30 AM
brandonkl
post Apr 9 2025, 07:04 PM

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QUOTE(oldkiasu @ Apr 8 2025, 09:36 PM)
Bank Muamalat 3.98 % 12 mths
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So, you applied for their credit card, approved and received this 3.98% FD for 12 mths?
brandonkl
post Apr 9 2025, 07:08 PM

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QUOTE(fabu8238 @ Apr 9 2025, 05:04 PM)
AmB just reduced 12 mth FD rate for fresh funds from 3.85 to 3.65% the tariff effect has started
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Is it? Thought still on until 8 May 2025.


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