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

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elea88
post Nov 4 2022, 11:17 AM

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QUOTE(CommodoreAmiga @ Nov 4 2022, 09:58 AM)
I already have a savings. So just transferred money yesterday and this morning to my SA. Still have FD with them not matured yet. They were offering highest rates at one point last year at 2.8%

Update:
Done. Service slow as Fark. I rate them same as Affin. I am only customer also need so long to make simple FD.. Their "cert" also just cheapskate piece of deposit slip only. No nice cert paper nor cover for you.
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i was stuck at BI for total 2 hours last week just open savings ac.. and then Fd..

i pondering.. to just put BI for 18mths 4.4%... or 3 mths BANK MUAMALAT.

and then appear again in bk muamalat in Feb.. calculating worth the hassle or not.

difference of 0.4%.. its just that anyone hv estimates what would the fd rates be like in Feb?
ONe more meeting in Jan.


Schedule of Monetary Policy Committee Meetings for 2023

18 and 19 January 2023 (Wednesday and Thursday)
8 and 9 March 2023 (Wednesday and Thursday)
2 and 3 May 2023 (Tuesday and Wednesday)
5 and 6 July 2023 (Wednesday and Thursday)
6 and 7 September 2023 (Wednesday and Thursday)
1 and 2 November 2023 (Wednesday and Thursday)



elea88
post Nov 4 2022, 12:31 PM

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QUOTE(Human Nature @ Nov 4 2022, 11:40 AM)
Edit: OK got my answer for BI, can be single or joint names. No need CASA but some branch may requires it.
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bank islam joint .. when want to uplift the FD the 2 person joint must appear at the bank ya..
there is no EITHER ONE.. like other banks.

so to me it defeats the purpose of the joint ac.. end up i did individual ac.

also BI is gateway to sspn withdrawl
elea88
post Nov 4 2022, 01:51 PM

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QUOTE(Human Nature @ Nov 4 2022, 12:35 PM)
Thanks for this info. Will go to UOB then
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help to check if UOB joint ac.. can either one uplift the FD after 1 year?

incase the other one went overseas or sayonara..
elea88
post Nov 4 2022, 03:41 PM

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QUOTE(CommodoreAmiga @ Nov 4 2022, 03:32 PM)
The other went...sayonara???

Wah...you already plan is it??? 🧐
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whole idea of joint ac is... if one sayonara isn't it?

the CINA method of estate planning haha
elea88
post Nov 4 2022, 03:45 PM

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QUOTE(New2LYN @ Nov 4 2022, 03:04 PM)
Yes extended to 30/11. If u need the RM’s contact, can pm me.
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can share more info on this std chart thing..

https://av.sc.com/my/content/docs/my-ntb-pr...ampaign-tcs.pdf

only found 4%
elea88
post Nov 4 2022, 05:09 PM

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QUOTE(jwongsy90 @ Nov 4 2022, 04:43 PM)
Does anyone try to put FD at bank islam over counter? How is the service? and crowded?
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service good and slow.. it took me 2 hours.. open ac and fd..
customer no. 2
elea88
post Nov 4 2022, 05:17 PM

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QUOTE(frankliew @ Nov 4 2022, 05:01 PM)
Just go UOB can apply Basic Saving Acc, just pay RM8 the card no annual fee.
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RM8 per year right?

bank islam is RM12 per annum
elea88
post Nov 5 2022, 09:35 AM

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QUOTE(guy3288 @ Nov 4 2022, 11:45 PM)
I GIVE all my monies in FIXED DEPOSITS or SAVING  ACCOUNTS    standing to my credit  in my jointly owned
bank/investment account(s) maintained with any banking, investment and  financial institution(s) in Malaysia to my surviving joint bank/investment account(s) holder(s) absolutely. IN THE EVENT that my joint account holder(s) does not
  survive me, then the benefit that he/she would have received shall be distributed to my beneficiaries in equal shares as
  follows:-
I GIVE AND BEQUEATH all my other investments or monies under  my sole name standing to my credit maintained with any banking ,  financial or  security institutions in Malaysia together with all dividends                   
          already  accrued, due or accruing thereon at my death to my ............absolutely to be                     
          transferred or paid to her as soon as possible after my death.
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i actually list down all ac nos in appendix ..

so, keep on updating
elea88
post Nov 8 2022, 08:00 AM

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QUOTE(guy3288 @ Nov 7 2022, 09:56 PM)
must be mistake la mana ada 2.85% now?
if auto insert rate this wont happen la..ini mesti manual key in punya.

tomorrow go take cert will see it 4.4%
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after your post i actually go take out my paper fd cert to check ...

elea88
post Nov 8 2022, 11:33 PM

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QUOTE(cucubud @ Nov 8 2022, 10:48 PM)
USJ branch didn’t ask us for marriage cert for the join account.
We presented a banker,s cheque when opening the FD account.
Have to collect the FD cert few days later but the date was dated on deposit day.
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USJ branch running out of FD PAPER.
Wanted 5 pcs of small amount FD. office says cannot. max can only give 2 per customer
So good business!!!!

elea88
post Nov 10 2022, 12:19 PM

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[quote=woowoo1,Nov 10 2022, 10:44 AM]
BTW this can be done online fpx by choosing term deposit-i promo. For those lazy to go bank counter
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[/qu

wah so this is the best so far
elea88
post Nov 15 2022, 09:10 PM

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QUOTE(CommodoreAmiga @ Nov 15 2022, 09:03 PM)
OTC or online? UOB always likes to play the OTC game.
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anyone open the UOB ac for the cash back?

elea88
post Nov 16 2022, 10:40 AM

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QUOTE(low yat 82 @ Nov 16 2022, 10:36 AM)
how u guys manage to go settle OTC here n there n juggle wit job. i able to do it 1-2years then semua ke laut. hantam saja anythin near..
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thats why between 3.95% and 4% for 12mths i will go the online one.

its stress doing the OTC.

only did for BANK ISLAM.. and that is 2 hrs project!
elea88
post Nov 17 2022, 07:20 AM

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QUOTE(michaelangelo @ Nov 16 2022, 04:31 PM)
I also just opened mbsb account online today...tried many times to upload the nric photo and failed..only 3rd attempt jadi..
anyway, now waiting for approval...if can open then can place the online FD
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update ya if approve..


elea88
post Nov 23 2022, 08:17 AM

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open MBSB online on 21st morn. till now no news yet
will wait till tomorrow before call branch.

if really need appear at branch then will cancel application.
elea88
post Nov 23 2022, 08:58 AM

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QUOTE(cybpsych @ Nov 23 2022, 08:44 AM)
why not call today? at least quickly get some answers or for them to expedite the approval
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hmmm.. i was hoping it will be automated. o.k later i call and update here if can do everything online.


elea88
post Nov 23 2022, 10:37 AM

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QUOTE(ikanbilis @ Nov 23 2022, 09:34 AM)
I applied mbsb online account and no news from them for a week now.

Yesterday i called mbsb HQ and they told me they would follow up with the branch i chose.

Two hours later the branch called me they would send me the account number through sms.

Wait whole day no sms sent.

Seems like i chose a branch that is totally inefficient.
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i just called branch. yes she say.. receive application.
tunggu ac number via sms...

then i tell her Saya minat nak 6mths fd 4%..
she reply:... Eh tak boleh tu.. kena datang branch.

then i say. kalau datang branch i tak minat la nak buka account...
buang masa..

Website tulis boleh online.. well.. the reply is Saya tak pasti la. lepas ac buka you cubala.

tapi datang branch rate best lagi

oh well.. lets see how.
elea88
post Nov 24 2022, 09:51 AM

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QUOTE(ikanbilis @ Nov 24 2022, 08:31 AM)
After getting acc no. by sms yesterday, today i am able to open online account and then manage to place eFD with TD-i Booster 6 months 4%. My acc is PrimeWin.

Everything is done without the need of going to mbsb branch.
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wow thanks for update.. i hv not got mine yet.. will patiently wait for it
elea88
post Nov 25 2022, 09:32 AM

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QUOTE(Human Nature @ Nov 24 2022, 11:22 PM)
wow, pbb up their game. If I only have conventional CASA, can I still do the FD-i via FPX?  hmm.gif
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mine is normal public bank ac.. i click click cannot find the promo rates

elea88
post Nov 25 2022, 09:38 AM

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QUOTE(Garysydney @ Nov 25 2022, 09:36 AM)
I am a Pbb Red Carpet member - also cannot find anything online.

Maybe got to do OTC?? Ai-yah so troublesome if need to go in (even though it is across the road from me).
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found it .. PB eTD-i
on left side can find

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