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Fixed Deposit Rates In Malaysia V. No.15, Strictly for FD Discussion Only
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dannyw
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 Sep 1 2017, 10:19 AM
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QUOTE(cybpsych @ Sep 1 2017, 10:12 AM) hope they fix it properly, because we only know the final rate after FPX transfer. also they better patch back to 4.10% for those who placed earlier. Ya, hope so. I guess they would, is either they fix today or next Tuesday. They have to honour back as what they advertised. Is not the first time I have 'Technical Issue' with HLB, last time when they start use FPX also stuck my transaction...  Ha.. They really fixing the website now. Just now they forgot to change the colour of 'Apply' tab, and the 'New' at the New Placement there...  Now is 'on the way'. Thanks for the staff hard work on holiday, but in future please perform a test before the system roll out...! This post has been edited by dannyw: Sep 1 2017, 10:28 AM |
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dannyw
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Sep 1 2017, 10:31 AM
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QUOTE(cherroy @ Sep 1 2017, 10:23 AM) I guess I won't want to place at the meantime, really lose confidence now. Even want to place now also not able to, as the option is down. Let see how, once is rectify, then will update here. |
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dannyw
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Sep 1 2017, 03:52 PM
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QUOTE(cherroy @ Sep 1 2017, 10:33 AM) Wait someone to "test" out first after they back online...  The system is up now, and is 4.10% For those who want to place, may go ahead. Just sadly my earlier placement remain the same, have to follow up on Tuesday...  |
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dannyw
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Sep 1 2017, 10:40 PM
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QUOTE(kakashin @ Sep 1 2017, 09:07 PM) Just to share my experience in regards to Hong Leong's CS from a previous FD-related problem. They actually did follow up with me until the problem is fully resolved, including honouring the original FD placement date even though they only managed to resolve the problem after the promotion period. So, not to be too worried for those that are facing the 4.07% problem, I believe they should be able to rectify this problem. Also take note, it might take up to 1 week to resolve the problem (in my case). Thanks for your info sharing. Ya. I guess so, is just create the inconvenient for user.. |
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dannyw
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Sep 5 2017, 06:29 PM
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QUOTE(cybpsych @ Sep 5 2017, 03:47 PM) for those affected by the error rate (4.07% instead of 4.10%) from HLB eFD 6 mths in the morning of 1 Sep 2017, update from CS is that they have compiled a list of affected placement(s) and is scheduled to apply the correct rate by today or tomorrow (the latest). affected customers shall receive SMS notification once the fix has been applied to the affected placement(s). if by tomorrow the rate is not fixed, call them up. Thanks for the update! |
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dannyw
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Sep 11 2017, 08:34 AM
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QUOTE(hotlink @ Sep 11 2017, 08:26 AM) Anyone withraw hlb FD from other branch before? Is it allowed? Yes, is allowed! |
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dannyw
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Nov 10 2017, 08:38 AM
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QUOTE(guest123 @ Nov 10 2017, 07:31 AM) 4.38% p.a. / 11 months  That is very good deal! No more fund... Just wonder, if I withdraw the FD promo that placed last week for this is that allow? Understand that will have no interest for the week, but seems like still worth to go. |
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dannyw
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Nov 10 2017, 08:55 AM
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QUOTE(Darren @ Nov 10 2017, 08:42 AM) fresh fund only... unless u take out the FD today n place it to other bank today... i tried before.... my hlbb FD mature on 7oct....the hlbb promo is 1-7oct... i withdraw the FD n rentas to my mbb then i FPX to hlbb FD...consider as fresh fund.... Understand the rules... Should be no big deal. Withdraw today, Instant Transfer to other bank. Tomorrow FPX in, is FRESH fund! Is just small amount only (10k), still considering want to do so... no more bullet... Your case is still consider withdraw upon mature. I have no experience on premature withdrawal... This post has been edited by dannyw: Nov 10 2017, 08:57 AM |
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dannyw
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Nov 10 2017, 09:49 AM
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QUOTE(mephyll @ Nov 10 2017, 09:40 AM) Im going to do the same....  So is ok to do so, right? Just no interest for the past few days. Am I right? |
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dannyw
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Nov 10 2017, 10:18 AM
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QUOTE(mephyll @ Nov 10 2017, 09:58 AM) yeap, definitely no interest for that 4.0% i have done withdraw and IBG to other bank... since can receive before 5pm today. another experience to share, IBG RM35k from HLB to RHB, at the same day, after RM35k placed to RHB, i placed the promo e-FD 4,0% 6mth via FPX and is successful. just my thought, may be FPX, they cant trace is it fresh fund??  Thanks for the info  Will do so....  |
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dannyw
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Nov 10 2017, 12:55 PM
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Wow... received 'SA Special Bonus Int/Cash Back' from one of the previous HLB eFD promo! |
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dannyw
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Dec 7 2017, 09:10 AM
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QUOTE(cybpsych @ Dec 7 2017, 08:51 AM) good! if my mbb placement not happened, i'll put back in again exactly. but 1-2 days would be fine, i think. today uplift from hlb efd, then transfer to mbb savings. tomorrow perform placement OTC. ya, is either competitive or maybe not reach their quota yet... OTC very troublesome for me as no branch near my office... else will move some to MBB. Now my MBB no FD, all sit at HLB....  wonder any risk  |
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dannyw
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Dec 28 2017, 03:10 PM
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For MBB FD OTC, is that a must to back to home branch for uplift?
I call up, the staff told me can perform a request transfer to saving account at other branch, is that true?
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dannyw
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Dec 28 2017, 10:03 PM
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For those who want to place in MBB please take note.
I visit MBB branch today, tell them i want to place FD 4.3% for 15 mth. At first the staff told me have to open Islamic FD account for this branch. That's fine, then tell me is GIA, profit is different, no PIDM...and tell me a lot of form need to fill up. Feel like they don't want customer to place... I almost give up. Luckily I ask another staff next to it, then only tell me, yes, there is another FD promo.. for 4.3%
And ya, i spend almost 1 hour there, fill up Islamic FD form, Customer profile update and one more non-US form....
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dannyw
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Feb 4 2018, 06:27 PM
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QUOTE(rainbird @ Feb 4 2018, 05:47 PM) I'm not concerned but I'm trying to understand how it works. Lol. From what i know that number is depends on which branch you open account, then your efd account will tag there. Even withdraw all, next time place again still the same account number. |
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dannyw
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Mar 6 2018, 09:51 PM
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QUOTE(acougan @ Mar 6 2018, 08:18 PM) The MBB e-fd promo dont have any fpx function, so "fresh funds" maybe need IBG or IBFT from other banks to place. Nope. Just uplifted fd cert and place today without any problem. Just the rate is really not interesting at all. |
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dannyw
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May 2 2018, 11:07 AM
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QUOTE(cybpsych @ May 2 2018, 09:33 AM) need fresh fund per t&c but since efd, I didnt see any kind of fund type detection. mine was from existing SA fund. ya, no validation! Thanks for cybpsych contribute to this topic. I just placed it yesterday without any study . Notice the post here today, I uplift and place again...  |
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dannyw
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May 7 2018, 08:12 AM
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Finally HLB eFD promo is out, but this round, can't even beat MBB! 4.05% p.a. for 6 months 3.95% p.a. for 3 months Promo 07 May 2018 - 30 June 2018 |
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dannyw
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May 7 2018, 09:39 AM
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QUOTE(yongs90 @ May 7 2018, 09:33 AM) Minimum eFD / eFD-i Placement Amount RM10k transaction via FPX transfer Thanks for the update.  That's why not so interesting! |
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