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

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KenYoung
post Aug 16 2025, 01:11 AM

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QUOTE(brandonkl @ Aug 12 2025, 04:16 PM)
For Al-Rajhi Bank, can get 4% - 6 mths for RM300k placement.
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Promo until when ah?
brandonkl
post Aug 16 2025, 01:38 AM

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QUOTE(KenYoung @ Aug 16 2025, 01:11 AM)
Promo until when ah?
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31 August 2025.
Billy.Who
post Aug 16 2025, 04:56 PM

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Any idea how long this promo is valid? For new or existing customers? And is 300k the max? Thanks

QUOTE(brandonkl @ Aug 12 2025, 04:16 PM)
For Al-Rajhi Bank, can get 4% - 6 mths for RM300k placement.
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brandonkl
post Aug 16 2025, 06:42 PM

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QUOTE(Billy.Who @ Aug 16 2025, 04:56 PM)
Any idea how long this promo is valid? For new or existing customers? And is 300k the max? Thanks
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The T&C and details :

https://www.alrajhibank.com.my/personal/pro...-term-deposit-i
rocketm
post Aug 17 2025, 07:59 AM

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QUOTE(dudester @ Aug 7 2024, 03:29 PM)
I find this to be true.
Successfully deposited my Term Deposit.
When adding withdrawal account, i entered my BI account.
It first ask you to choose bank, then enter account manually.
After that you return to your deposit details, no option to view the account and of coz you cant find where to edit.
So be careful.
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QUOTE(ericlaiys @ Aug 8 2024, 12:18 AM)
I just used contact us from their app and drop an email regarding withdraw ACC.

[update from their response]
To address your query, please note the following two conditions,



For customers who have Be U Qard Savings Account-i, the maximum limit per placement is RM 1,000,000 and the withdrawal will be automatically withdrawn to the customer’s QSA account upon maturity.



For customers who do not have Qard Savings Account-i, the maximum limit per placement is RM 30,000 and the customer needs to set the withdrawal beneficiary account during registration.

-->>> so no need worry. it auto go to QSA
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Hi dudester & ericlaiys

Sorry for quoting you for your previous post.

Can I know will the profit earn for BeU term deposit will be forfeited/deducted if I uplift the term deposit on the maturity date? Is it only able to uplift the next day after the maturity date so the profit will not be forfeited/deducted.
ericlaiys
post Aug 17 2025, 08:59 AM

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QUOTE(rocketm @ Aug 17 2025, 07:59 AM)
Hi dudester & ericlaiys

Sorry for quoting you for your previous post.

Can I know will the profit earn for BeU term deposit will be forfeited/deducted if I uplift the term deposit on the maturity date? Is it only able to uplift the next day after the maturity date so the profit will not be forfeited/deducted.
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it will auto go to saving after maturity. you dont do anything. i realised it follow
time you deposit sometimes. not early morning.
rocketm
post Aug 17 2025, 09:13 AM

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QUOTE(ericlaiys @ Aug 17 2025, 09:59 AM)
it will auto go to saving after maturity. you dont do anything. i realised it follow
time you deposit sometimes. not early morning.
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I do not have BeU saving account. I have selected to transfer to other bank when the term deposit matured.
Do you mean if we successfully placed the term deposit on day x at 10:02pm then the principal and interest will auto credited to the bank account at 10:02pm on maturity date?
magika
post Aug 17 2025, 11:44 AM

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QUOTE(rocketm @ Aug 17 2025, 09:13 AM)
I do not have BeU saving account. I have selected to transfer to other bank when the term deposit matured.
Do you mean if we successfully placed the term deposit on day x at 10:02pm then the principal and interest will auto credited to the bank account at 10:02pm on maturity date?
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Can transfer to other bank ?

ericlaiys
post Aug 17 2025, 12:49 PM

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QUOTE(rocketm @ Aug 17 2025, 09:13 AM)
I do not have BeU saving account. I have selected to transfer to other bank when the term deposit matured.
Do you mean if we successfully placed the term deposit on day x at 10:02pm then the principal and interest will auto credited to the bank account at 10:02pm on maturity date?
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be u qard? do not know can do fd without opening beu account
rocketm
post Aug 17 2025, 01:12 PM

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QUOTE(magika @ Aug 17 2025, 12:44 PM)
Can transfer to other bank ?
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QUOTE(ericlaiys @ Aug 17 2025, 01:49 PM)
be u qard? do not know can do fd without opening beu account
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Can place term deposit in BeU without opening its saving account (U Qard). In this case, you have to key in your bank details.

I just do not know whether I can uplift the term deposit that matured today. I know other bank can uplift/withdraw on the maturity day.
ericlaiys
post Aug 17 2025, 01:13 PM

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QUOTE(rocketm @ Aug 17 2025, 01:12 PM)
Can place term deposit in BeU without opening its saving account (U Qard). In this case, you have to key in your bank details.

I just do not know whether I can uplift the term deposit that matured today. I know other bank can uplift/withdraw on the maturity day.
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dont uplift. it will uplift by itself
plantcloner
post Aug 17 2025, 01:20 PM

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QUOTE(ericlaiys @ Aug 17 2025, 01:13 PM)
dont uplift. it will uplift by itself
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The same happened to mine, when the FD matured, the principal plus profit were transferred to my BeU Qaard Savings Account -i
rocketm
post Aug 17 2025, 01:24 PM

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QUOTE(plantcloner @ Aug 17 2025, 02:20 PM)
The same happened to mine, when the FD matured, the principal plus profit were transferred to my BeU Qaard Savings Account -i
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Is it based on the time you deposited the term deposit or have to wait the next day of maturity?
fruitie
post Aug 17 2025, 05:23 PM

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QUOTE(ericlaiys @ Aug 17 2025, 12:49 PM)
be u qard? do not know can do fd without opening beu account
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Can. Only a bit troublesome, need to go through the verification process every time.
Ichitech
post Aug 17 2025, 07:24 PM

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QUOTE(cybpsych @ Aug 5 2025, 11:25 AM)
yes

read the PDS related to Wafiyah Investment Account https://www.bankislam.com/personal-banking/...stment-account/

https://www.bankislam.com/wp-content/upload...fiyah-Grow-.pdf

(Not protected by Perbadanan Insurans Deposit Malaysia)

“Wafiyah Investment Account” or “Wafiyah”
means this Unrestricted Investment Account product
offered by Bank Islam based on the Shariah contract
of Wakalah.
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So my Bank Islam TdTI matured Thursday and I came through this also. I presume this is not a DEPOSIT product because it is NOT insured by PIDM when i read through the PDS, i tried to read around this section (not just this thread) but also found less info. My question here is, any sifu here know the past performance of this if anyone had used to place fund to this product...
cybpsych
post Aug 17 2025, 07:57 PM

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QUOTE(Ichitech @ Aug 17 2025, 07:24 PM)
So my Bank Islam TdTI matured Thursday and I came through this also.  I presume this is not a DEPOSIT product because it is NOT insured by PIDM when i read through the PDS, i tried to read around this section (not just this thread) but also found less info.  My question here is, any sifu here know the past performance of this if anyone had used to place fund to this product...
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info from their pds

https://www.bankislam.com/personal-banking/...-of-investment/
Ichitech
post Aug 17 2025, 08:13 PM

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QUOTE(cybpsych @ Aug 17 2025, 07:57 PM)
Yes sir.. already go through that but not really understand though..
Is it we only see the bottom table ? Especially the ROI vs the Profit rate // Not sure how to intemperate this.

user posted image
cybpsych
post Aug 18 2025, 09:25 AM

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QUOTE(Ichitech @ Aug 17 2025, 08:13 PM)
Yes sir.. already go through that but not really understand though..
Is it we only see the bottom table ? Especially the ROI vs the Profit rate // Not sure how to intemperate this.

user posted image
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no idea

suggest you to talk to them directly if you really want to understand their past performance

FD/TD users here usually avoid investment-type deposits sweat.gif
Kelefeh
post Aug 18 2025, 12:00 PM

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QUOTE(eymc @ Aug 12 2025, 10:32 AM)
just came back from bank muamalat to update my placement since last year. I did reply their sms a month ago for the offered rate 3.85 - 12months. They were waiting for me to popped by and they can recall the customers they sent the promo to. So just proceed. Not sure open to all or not or just returning customers.

Otc
12 months
3.85%

no more monthly profit
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3.85% is quite high now after the rate cut
nexona88
post Aug 18 2025, 04:21 PM

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GreenSleeves

Don't need to spam the same Rybank thingy all over lowyat forum...

There's dedicated topic to discuss

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