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

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Optizorb
post May 15 2024, 12:03 PM

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QUOTE(Joe Yuan @ May 15 2024, 11:48 AM)
Uplifting can do it online using Bank Islam online PC version, easily.
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QUOTE(guy3288 @ May 15 2024, 12:00 PM)
Yes i have mentioned that here
So easy
Even on1.5.24 i could take the money out earn interest in rice
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my BI maturing end of the month..

when i placed the time and opened bank account, i didnt opt for debit card.

can still do online withdrawal kah? or need to have debit card then only have online banking
guy3288
post May 15 2024, 12:09 PM

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QUOTE(Optizorb @ May 15 2024, 12:03 PM)
my BI maturing end of the month..

when i placed the time and opened bank account, i didnt opt for debit card.

can still do online withdrawal kah? or need to have debit card then only have online banking
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You can login you can test see
Easy
Actually me surprised otc fd with certificate by right cant withdraw online, now i have all the certs no money inside
Optizorb
post May 15 2024, 12:15 PM

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QUOTE(guy3288 @ May 15 2024, 12:09 PM)
You can login you can test see
Easy
Actually me surprised otc fd with certificate by right cant withdraw online, now i have all the certs no money inside
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i guess cannot. cause need to register first, and when registering need either Debit or CC
cclim2011
post May 15 2024, 01:08 PM

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put my uplifted fd fund back to ambank klibor thingy. dont know what is it, but 5.35 every three month gives interest. trying out some new stuff...😂
ycktech
post May 15 2024, 02:07 PM

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QUOTE(cclim2011 @ May 15 2024, 01:08 PM)
put my uplifted fd fund back to ambank klibor thingy. dont know what is it, but 5.35 every three month gives interest. trying out some new stuff...😂
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klibor not min 3 to 5 years one meh?
cclim2011
post May 15 2024, 02:10 PM

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QUOTE(ycktech @ May 15 2024, 02:07 PM)
klibor not min 3 to 5 years one meh?
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5 years i guess. i ok with that lock period for the amount i just put. 😂

guy3288
post May 15 2024, 02:26 PM

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QUOTE(Optizorb @ May 15 2024, 12:15 PM)
i guess cannot. cause need to register first, and when registering need either Debit or CC
*
no debit card no ATM susah
no online banking interest keep sampai maturity
rugi lah.


QUOTE(cclim2011 @ May 15 2024, 01:08 PM)
put my uplifted fd fund back to ambank klibor thingy. dont know what is it, but 5.35 every three month gives interest. trying out some new stuff...😂
*
wah bro, Klibor now already 3.59, sekali it hit 4.00 you get ZERO interest

At least Alliance bank guaranteed 1st year 6% no matter Klibor hit 4 or not...

For me both also no good
upper limit 4.00 too close,
margin 0.41 static and not increasing

i bought one from CIMB coupon 5.5% x 5 yrs,
Klibor then 2.86 , upper limit 3.75 = 0.89 margin
that limit increasing yearly 4.05, 4.25, 4.35, 4.50

Bank issued such product betting you would hit the upper limit
and get ZERO interest.

if they bet wrongly and klibor did not hit they can call back and return your money
If their bet is right Klibor hit limit, you get Zero interest
they wont call back
tied you down till the end with zero interest

In my case above CIMB betted wrong
got to pay me 5.5% every 3months...
after 18months they saw no chance for Klibor to touch its limit
they called back.

user posted image

user posted image
Optizorb
post May 15 2024, 02:29 PM

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QUOTE(guy3288 @ May 15 2024, 02:26 PM)
no debit card no ATM susah
no online banking interest keep sampai maturity
*
the bank islam 4.5% FD, the interest only paid upon maturity right? hmm.gif


guy3288
post May 15 2024, 02:48 PM

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QUOTE(Optizorb @ May 15 2024, 02:29 PM)
the bank islam 4.5% FD, the interest only paid upon maturity right?  hmm.gif
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BI 4.5% ada kah?
i have 18m 4.4% 6 monthly int
and 6 month 4.15% at maturity

4.5% at PBB adalah 6 monthly interest also.. maturity Jun 2024
cclim2011
post May 15 2024, 03:20 PM

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QUOTE(guy3288 @ May 15 2024, 02:26 PM)
no debit card no ATM susah
no online banking interest keep sampai maturity
rugi lah.
wah bro, Klibor now already 3.59, sekali it hit 4.00 you get ZERO interest

At least Alliance bank guaranteed 1st year  6% no matter Klibor hit 4 or not...

For me both also no good
upper limit 4.00  too close,
margin 0.41 static and not increasing

i bought  one from CIMB coupon 5.5% x 5 yrs,
Klibor then 2.86 , upper limit  3.75 = 0.89  margin
that limit  increasing yearly 4.05, 4.25, 4.35, 4.50

Bank issued such product betting  you would hit the upper limit
and get ZERO interest.

if they bet wrongly and klibor did not hit they can call back and return your money
If their bet is right Klibor hit limit, you get Zero interest
they wont call back
tied you down till the end with zero interest

In my case above CIMB betted wrong
got to pay me 5.5% every  3months...
after 18months they saw no chance for Klibor to touch its limit
they called back.

user posted image

user posted image
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oh ya kah. nanti i ask the banker. i think still can withdraw out online.

magika
post May 15 2024, 03:36 PM

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QUOTE(cclim2011 @ May 15 2024, 03:20 PM)
oh ya kah. nanti i ask the banker. i think still can withdraw out online.
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simple rule of money management, don't involve in things that you are not sure off.

cclim2011
post May 15 2024, 03:37 PM

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QUOTE(magika @ May 15 2024, 03:36 PM)
simple rule of money management, don't involve in things that you are not sure off.
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true also. but within my risk appetite la. haha
try a bit 😂
Human Nature
post May 15 2024, 03:56 PM

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QUOTE(cclim2011 @ May 15 2024, 01:08 PM)
put my uplifted fd fund back to ambank klibor thingy. dont know what is it, but 5.35 every three month gives interest. trying out some new stuff...😂
*
What do you do with the True Savers portion? remain there?

QUOTE(Optizorb @ May 15 2024, 02:29 PM)
the bank islam 4.5% FD, the interest only paid upon maturity right?  hmm.gif
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Yes, no monthly interest for this
cclim2011
post May 15 2024, 03:58 PM

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QUOTE(Human Nature @ May 15 2024, 03:56 PM)
What do you do with the True Savers portion? remain there?
Yes, no monthly interest for this
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Ya i took all out, move some to another true saver (islamic) waiting to go the klibor thingy, the rest i transfer to rize (again) lol
Human Nature
post May 15 2024, 04:01 PM

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QUOTE(cclim2011 @ May 15 2024, 03:58 PM)
Ya i took all out, move some to another true saver (islamic) waiting to go the klibor thingy, the rest i transfer to rize (again) lol
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Yeah, I think that is the correct move. Forgo that 1.75%, can get better rate with FD.

This post has been edited by Human Nature: May 15 2024, 04:02 PM
cclim2011
post May 15 2024, 05:05 PM

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QUOTE(Human Nature @ May 15 2024, 04:01 PM)
Yeah, I think that is the correct move. Forgo that 1.75%, can get better rate with FD.
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yaya. i have to also i guess. because i have another true saver account that i aim to start getting that 1.75 bonus (this or next month i guess)
Joe Yuan
post May 15 2024, 06:20 PM

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QUOTE(CommodoreAmiga @ May 15 2024, 12:02 PM)
Is it? didn't realized this. Because the mobile version can't. Anyway, i have to transfer exceed limit anyway, so might as well go counter. Thanks.
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Ya. Otherwise mostly we avoid OTC. Normally I move out 50K direct with BI, another 50K via OCBC Flex account's FPX function, meaning to shift 100K a day out from anybank is easy nowadays, because the normal 50K limit and FPX 50K limit is separated.
Still searching for 2nd, 3rd.. bank which offer this FPX add fund feature so that moving out 150K, 200K... instantly becomes a reality... and say bye bye to OTC when uplifting FD/TD.

This post has been edited by Joe Yuan: May 15 2024, 06:55 PM
19 Degree South
post May 15 2024, 06:50 PM

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QUOTE(guy3288 @ May 15 2024, 02:48 PM)
BI 4.5% ada kah?
i have 18m 4.4%  6 monthly int
and 6 month 4.15% at maturity

4.5% at PBB adalah 6 monthly interest also.. maturity Jun 2024
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BI accept non or not? sorri i am new to BI.
Human Nature
post May 15 2024, 06:53 PM

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QUOTE(19 Degree South @ May 15 2024, 06:50 PM)
BI accept non or not? sorri i am new to BI.
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Yes
19 Degree South
post May 15 2024, 06:54 PM

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QUOTE(Human Nature @ May 15 2024, 06:53 PM)
Yes
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Thanks for the heads up.

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