Any taikos got info of impending rise in rates following revised OPR?
I held back on the HLB 4.38% CNY as I believe it should be raised up accordingly
Anyone agree also?

anyone going for the bangkok bank FD promo?

Anyone can recommend a daily rest interest and credit account besides fundsupermart cash management fund that has high liquidity and higher interest rate than conventional savings account? Thanks

Thanks for all the suggestions guys I'm poor so Alliance 100k is out of the question, 1.8% for 20k is too little
OCBC requires 30k but can go up higher with unit trusts and insurance both of which I dont really need right now
HSBC requires changing of my salary account I think my employer will either charge me MEPS GIRO or delay my salary which will be a nightmare
so that leaves UOB which looks to be good at 3.6% without any perceived strings attached

I've acc at Maybank, RHB, CIMB, Hong Leong, Public & Islam, cc with HSBC & Citibank and yet the only ones applicable is HSBC which sets an insurmountably difficult requirement apa macam

long time edi lo, luggage bag also received already lol but bangkok bank only got 2 branch lo, one in Jln Ampang, one in Port Klang in front GM Klang

They hold until clearance so effective is later, forced me to make another trip to collect the cert >.<

Only received it last week, black colour 4 wheels hand carry size, should be 20' since they specified, didnt measure lo
Quality so so unbranded, got one jealous colleague say can buy at RM40 at GM Klang, dunno how true lol

Haha I'm not so particular, I just put in the minimum RM5k for 3 months, just want the luggage lol
I prefer convenience, bulk of my FDs are in eFDs easier to manage from home, OTC is a waste of my time
and yes I went to the Klang branch since I'm in Shah Alam it's nearer but boy was it empty only 1 staff at the counter

4.38 and 4.4 is only 0.02% difference
Unless your capital is 1mil, it's only a teeny tiny difference
RM10,000= RM2
RM100,000= RM20
RM1,000,000= RM200
Like Ambank eFD 4.28 and 4.40 it's only 0.12
If you've less than RM100k, it may not be worth your effort to go OTC

Just my two cents as a poor investor lol my sincere apologies I mean no offence to all the buaya here with tens and hundreds of millions disposable income of which you should know better to diversify at other higher yield investments instead

Ya it's not convenient at all, and I wouldn't know the bank exist until I go there
Plus you have to fill up close to 10 pages of application form like opening a savings account on the spot (they don't email you prior)

Yalo, like me I usually go for credit card free gifts etc, it's more to the satisfaction of getting the best bang for your buck
but in actual fact TIME is money

Depends on how much you email Diana of Ringgitplus
It can range from within 2 weeks to 2 months
Pro Tip: Email Ringgitplus attach photo of the FD cert and follow up closely with Diana plus use a KL address lah faster if you're in that much of a hurry

I did simple calculations lah for the CIMB FD last time lol, it wasn't worth it after I surveyed the Air Fryer price online.
Same for Bangkok Bank actually RM5k 3 months at 3.95% is hardly the highest but it suits me as I just want the trolley, don't have RM10k min fresh funds with me and don't want to be committed for the full 12 months so it really depends on your needs at the current moment lah

Ringgitplus promo has nothing to do with the bank ya
If you walk in the bank you will get FD that's all, they are not responsible for anything else
Register online first then you will know in detail, ringgitplus will courier to you

I was in the 4.88% too, but I maintained an account with HLB and did it via FPX eFD so no issue direct credit into my acc

Lol and therein lies the beauty of eFD, if somehow by chance you proceed click OK but found out the rate is not 4.1% then just cancel and have it credited back into your savings account lah, can be done instantaneously so you don't lose out on a day etc

Source: Done it before for fulfillment of the Maybank2u Challenge previously lol

Peeps in Msia are more prone to arguments recently, election fever ma, after that must kosong2 during Ramadhan as we rebuild a divided nation

Any insider on this? 7th is a Saturday, except to be flooded?
If not more than 4.1 then better stick with RHB eFD lol

same here, all ready fully instant transfer and no promo yet

Keyword is the "and" if it was an "or" it would be great lols have to wait Saturday and hope there's still enough funds left

quick question, is this your first time? have you place an eFD with HLB connect before?

yup, i just did it too, thanks guys lol

wow 60k...teach me sifu

perhaps they're referring to ONE account? like conventional is one, islamic is one
anyhow best to check next Monday lol if 3.1 then vomit blood lol