Curious to know - on the PIDM protection of RM250k, so if you have accounts in Be-U and Bank Islam, is your cover PIDM RM250k for both or RM250k in each bank?

This post has been edited by brandonkl: May 14 2026, 04:02 PM

Be U is not listed separately on PIDM’s member bank list, only Bank Islam is. So I guess Be U deposits fall under Bank Islam’s PIDM coverage, sharing the RM250k limit

https://www.pidm.gov.my/general/how-we-prot...ou/member-banks

I'm interested in the 4.58% offer from HLB but i already have a saving account with them tho inactive. I guess i can't tell the staff to close my account and open a new one? XD

Bro, for Affin
FD 12 months at 3.75% pa
TiA 12 months at 3.83% pa

is this OTC cos I can't see this on the Affin web or app, Do let me know thanks

Zero interest in opening a new account for a few months "new customer rate". UOB, Standard Chartered, HSBC, Maybank, and so on. Never competitive later, just a waste of time. Speakting of waste of time, no interest in OTC business, only online, my time is way too precious to walk into branches and pick a number.

And finally, yes, Bank Islam, usually is competitve, but I don´t do business with them.

How do you overcome the daily transaction limit for online FD?

What do mean zero interest for new accounts for few months?

We go open new account is to place FD, HSBC 4.28%, HLB 4.58%. Interest starts counting from day 1...

Who would go put few hundred ks in savings lah bro..no interest you are surprised??

4.58% by HLB got any min or max amount? if last time like 15 yrs ago got HLB account but closed alredi since 15 yrs ago.... still can participate?

He is not talking about putting a few hundred in savings...what he meant was that he is not keen to open another new account to get the special interest even tough the new account rates are better like that of UOB with 4.3% @ 6 months. I was also hesitating..

bro you are missing the main point.

not keen is not main point lah...
it is fine if you not keen , you dont go open new account

but why say the reason is 'banks pay zero interest for a few months.....'???

we all opened new account we got 4.28% from HSBC, 4.58% from HLB, etc..

so why he said no interest?
and worse for a few months....so long????

even saving accounts also got some interest lah!
i mentioned few hundred ks becos if amount small interest is negligible what to complain lah...

I walk in bank islam to open a saving account just for the 3.88% term deposit but it's very disappointing as couldn't manage to placed one it gave me an error "ACC_V1131".

Revisited the bank the next day for a solution but the officer look clueless she help me to contact the call center on the spot but bad news is that even the call center staff could not offer her with a solution. The only saving grace for bimb is that their officer is rather helpful i would say so big up to her for that. In the end ask me to wait for her call which god knows when but finger cross.

This post has been edited by coolng: May 16 2026, 12:03 AM

According to my RM Min is 300K Max is 500K
if account closed more then a few years can do the new FD
PM if u want my RM contact

Yea their App is a damm pain in the neck
i tried abt 5 time and sucessful 2 times only

Thinking about closing HLB account as it's not the main personal bank so as to be able to apply any new client offer in the future. Thoughts?

Hi check ur inbox… I would like to ask u something regards UOB 4.3% thanks.

Hi i am interested to UOB New-To-Bank campaign. Can pm me ur contact number please? Thanks.

Hi According to my HLB RM, more then 12 mths of acct closure is considered as new to Bank

Tried the BI app to create a new FD
Got an error message, tried again - same

called their contact center, all they can say is they will create a ticket
Really dont know how the bank can put up a system that does not work 100%

This post has been edited by paramdav: May 16 2026, 09:52 PM

My alrajhi offer is very flexible. Promo until end of July.

1 month 3.25% p.a.
2 months 3.40% p.a.
3 to 8 months 3.50% p.a.
9 to 12 months 3.70% p.a.

I said my interest is zero.

These banks that offer one time a good interest for a very short period like 6 months, yes, I also did this years before, meanwhile closed the accounts again, costed me much more of my very precious time than I got extra interest.