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

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Teutonic Knight
post May 17 2024, 09:42 AM

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QUOTE(Barricade @ May 17 2024, 09:21 AM)
Which interest are you referring to? The bonus interest or the default interest?

Bonus interest is as per T&C lo.

Default interest is calculated daily but paid half yearly. https://www.hlb.com.my/en/personal-banking/...gs-account.html
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Right okay, thanks good sir
ckokwei
post May 17 2024, 10:08 AM

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QUOTE(guy3288 @ May 16 2024, 01:11 AM)
i asked can give  monthly interest they said no,
so i hold on not going  deposit .
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which wan better if MBSB does not pay monthly interest ?
virtualgay
post May 17 2024, 10:29 AM

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QUOTE(guy3288 @ May 17 2024, 08:46 AM)
sure or not bro?
2weeks ago story already there
auto renew trick

user posted image
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you are right
today change to board rate 2.85%
Bank Islam trick us!!
cybpsych
post May 17 2024, 11:11 AM

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QUOTE(virtualgay @ May 17 2024, 10:29 AM)
you are right
today change to board rate 2.85%
Bank Islam trick us!!
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previously, ppl already shared the actual rate will readjust the next day lah

laugh.gif
ckokwei
post May 17 2024, 11:26 AM

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QUOTE(cybpsych @ May 17 2024, 11:11 AM)
previously, ppl already shared the actual rate will readjust the next day lah

laugh.gif
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Means today matured. tomorrow auto renew still show 4.5 ? then the day after tomorrow become board rate ?
cybpsych
post May 17 2024, 11:33 AM

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QUOTE(ckokwei @ May 17 2024, 11:26 AM)
Means today matured. tomorrow auto renew still show 4.5 ? then the day after tomorrow become board rate ?
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in short, there's no 4.5% or 4.2% to begin with.

dont believe what you see upon renewal. let the system re-adjust to a correct rate.

there was rumor of 4.2% from BIMB, but no actual/official news yet.
virtualgay
post May 17 2024, 11:41 AM

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QUOTE(cybpsych @ May 17 2024, 11:33 AM)
in short, there's no 4.5% or 4.2% to begin with.

dont believe what you see upon renewal. let the system re-adjust to a correct rate.

there was rumor of 4.2% from BIMB, but no actual/official news yet.
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I want to screenshot and report to bank negara, cheat me 1 day interest
guy3288
post May 17 2024, 01:19 PM

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QUOTE(virtualgay @ May 17 2024, 11:41 AM)
I want to screenshot and report to bank negara, cheat me 1 day interest
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share your screeenshot here

i doubt you have proof to show them
the sample i showed above is not proof


i tried renew online since 29.4.24 tapi tak boleh..

can see that rate at withdrawal page
but cannot click renew


terus i suspect tipu punya. why waste time.
spf
post May 19 2024, 10:06 AM

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hi all,

For the Hong Leong 4.5% bonus interest promo, had the rm200million cap been reached? i live chatted a few times, but they said they have received no internal message, so they assumed can still make new funds deposits.

But, for last year similar promo, had the promo cap been reached finally ie. what's the final interest given, and how is last year overall experience? thks.

(Was informed in live chat, that NO further bonus interest on remaining eligible balance will be given once promo cap been reached!)
ericlaiys
post May 19 2024, 11:37 AM

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QUOTE(spf @ May 19 2024, 10:06 AM)
hi all,

For the Hong Leong 4.5% bonus interest promo, had the rm200million cap been reached? i live chatted a few times, but they said they have received no internal message, so they assumed can still make new funds deposits.

But, for last year similar promo, had the promo cap been reached finally ie. what's the final interest given, and how is last year overall experience? thks.

(Was informed in live chat, that NO further bonus interest on remaining eligible balance will be given once promo cap been reached!)
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read TNc. Already clearly stated no informed when reached. So put it on your own risk. Don’t recall got this promo last year. If no promo, follow back your saving acc rate.
You either get it 50% chances or zero. Only will know by 31 July & CS wont tell u as this is why they put this criteria in tnc
If they tell u, then cannot trick people to put 100k into saving acc and withdraw. HLB is smart. No commitment.
Based on history from GXBank which has larger pool already full after 10 days. HLB only 200m which is 5x smaller than GXBank.Those late, sorry

This post has been edited by ericlaiys: May 19 2024, 11:40 AM
ClarenceT
post May 19 2024, 11:42 AM

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QUOTE(ericlaiys @ May 19 2024, 11:37 AM)
read TNc. Already clearly stated no informed when reached. So put it on your own risk. Don’t recall got this promo last year. If no promo, follow back your saving acc rate.
You either get it 50% chances or zero. Only will know by 31 July & CS wont tell u as this is why they put this criteria in tnc
If they tell u, then cannot trick people to put 100k into saving acc and withdraw. HLB is smart. No commitment.
Based on history from GXBank which has larger pool already full after 10 days. HLB only 200m which is 5x smaller than GXBank.Those late, sorry
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Not only 5x smaller
GX max RM50000 only, HLB max RM100000.
Halfhearted04
post May 19 2024, 03:41 PM

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when moving money from bank to bank you guys will use cash cheque ? how does it works exactly ?

you go to the bank counter and ask for a cheque of RM1xx,xxx ? at that time do they need to know who is the receiving bank account or who is the receiving person ?
magika
post May 19 2024, 04:43 PM

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QUOTE(Halfhearted04 @ May 19 2024, 03:41 PM)
when moving money from bank to bank you guys will use cash cheque ? how does it works exactly ?

you go to the bank counter and ask for a cheque of RM1xx,xxx ? at that time do they need to know who is the receiving bank account or who is the receiving person ?
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Put your own name.

DarkCoffee
post May 19 2024, 04:52 PM

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QUOTE(Halfhearted04 @ May 19 2024, 03:41 PM)
when moving money from bank to bank you guys will use cash cheque ? how does it works exactly ?

you go to the bank counter and ask for a cheque of RM1xx,xxx ? at that time do they need to know who is the receiving bank account or who is the receiving person ?
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use rentas nod.gif
guy3288
post May 19 2024, 05:51 PM

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QUOTE(spf @ May 19 2024, 10:06 AM)
hi all,

For the Hong Leong 4.5% bonus interest promo, had the rm200million cap been reached? i live chatted a few times, but they said they have received no internal message, so they assumed can still make new funds deposits.

But, for last year similar promo, had the promo cap been reached finally ie. what's the final interest given, and how is last year overall experience? thks.

(Was informed in live chat, that NO further bonus interest on remaining eligible balance will be given once promo cap been reached!)
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just tested the CS...boleh picaya kah tidak?
user posted image

user posted image
kyleen
post May 19 2024, 06:21 PM

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QUOTE(Halfhearted04 @ May 19 2024, 03:41 PM)
when moving money from bank to bank you guys will use cash cheque ? how does it works exactly ?

you go to the bank counter and ask for a cheque of RM1xx,xxx ? at that time do they need to know who is the receiving bank account or who is the receiving person ?
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Ask the bank to issue a banker's cheque with the amount from your saving account. It only needs your name on the cheque. But if you put other's name, it is best to add the IC, and for business, add the account name, as additional safeguard. This is my favourite method as I can bring to other banks to nego OTC rate. Banker''s cheque is immediately accepted as it is equivalent to cash issued by your bank. Here is a link for reference.

https://www.cimb.com.my/en/personal/day-to-...ers-cheque.html

alvin890
post May 19 2024, 10:17 PM

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QUOTE(guy3288 @ May 19 2024, 05:51 PM)
just tested the CS...boleh picaya kah tidak?
user posted image

user posted image
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definitely cant be trusted la, i went to bank and ask CS, they not even know when the quota oredi fullfll, seem like they cant check oso. i think branch cannot check but HQ will do. Even after 31st July if we couldnt get the interest, we cannot do anythin oso. impossible they show us data tat quota fully redeem on which date. juz gamble 50% chance loh if wana try.
spf
post May 20 2024, 11:08 AM

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chair, so much hassle (& gamble) just for tht extra rm40.

think hl (big company) wld inform (avoid bad reputatn), but tht worry of losing daily interest! (what if they belated or dont inform as per their tnc!).
HolyCooler
post May 20 2024, 12:28 PM

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Maybank transfer from other banks promotion :
1. 3.55% for 3 months
2. 3.7% for 9 months
tALEz
post May 20 2024, 01:52 PM

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Bank Islam special rate 3.85% for 12mths OTC.

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