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

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ericlaiys
post Mar 6 2024, 12:49 PM

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QUOTE(starry-starry @ Mar 6 2024, 12:31 PM)
Oh well, I tried during office working hours... still showed system is unavailable, guess I will try again later...
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most of time 9.30 am onward should be fine
ericlaiys
post Mar 6 2024, 07:12 PM

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QUOTE(starry-starry @ Mar 6 2024, 03:03 PM)
That's so odd! I tried to make a placement for the islamic FP with promo rate...Morning attempt failed, now too.

user posted image

UPDATE: Finally managed to make this eFD placement @ 4pm  sweat.gif
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their FD system not stable
ericlaiys
post Mar 12 2024, 11:54 AM

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QUOTE(mavistan89 @ Mar 12 2024, 11:51 AM)
Bank fd rate is quite low, no room for opr to up. Maybe malaysia will follow US cut rate
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it will not as fed up few times and we seldom up
ericlaiys
post Mar 17 2024, 06:25 PM

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QUOTE(oldkiasu @ Mar 17 2024, 05:22 PM)
Am placing at HL TIA at 3.9 % for 6 months after the Ambank 4.15 % promo.
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yeah...their TIA is higher than fd. not bad but not protected by pidm. so split half between fd and tia
ericlaiys
post Mar 31 2024, 03:12 PM

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QUOTE(LMC80 @ Mar 31 2024, 01:33 PM)
May I know what is the latest promotion rate for bank in Malaysia?
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Stay tuned tomorrow
ericlaiys
post Apr 1 2024, 05:26 PM

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QUOTE(CommodoreAmiga @ Apr 1 2024, 03:14 PM)
Not sure. But i foresee rates will drop to 3% by end of this year.
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it is common, fd never get higher than investment return.
ericlaiys
post Apr 6 2024, 10:08 PM

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QUOTE(CoffeeMiloTea @ Apr 6 2024, 10:06 PM)
Hi to all Sifu, I want to ask if I already put into Public bank eFD and only going to mature mid of the year. If I wanted to put another lump sum for similar offer from Public bank eFD. Am I allowed to do so? Will there be any problem? Can anyone advise?
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depend on current fd rate offer by bank.
ericlaiys
post Apr 26 2024, 05:46 PM

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QUOTE(SnowWhiteTan @ Apr 26 2024, 04:26 PM)
how's the performance hlb tia so far? any losses incurred?  tongue.gif
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consistent like % showed. not bad, like fd but I only do 3m or 6m
ericlaiys
post Apr 30 2024, 11:19 AM

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QUOTE(ronnie @ Apr 30 2024, 09:54 AM)
Why so kiam siap with max cap so little.
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also for new user. not for an existing
ericlaiys
post May 2 2024, 08:11 PM

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QUOTE(James8899 @ May 2 2024, 07:56 PM)
Is MBSB protected by PIDM?
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it is bank. Yes
ericlaiys
post May 9 2024, 10:53 PM

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QUOTE(Yluxion @ May 9 2024, 10:00 PM)
For HLB Pay & Save account, one can easily hit 3.25% interest rate. While a 1.8% top up means a good 5.05% interest.

Anyway, that's for last year campaign. Expecting some tweaks for this round.
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waiting for it....i just received notification
ericlaiys
post May 10 2024, 09:21 AM

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QUOTE(woowoo1 @ May 10 2024, 08:30 AM)
Wow  HLB promo is 4.5% interest on new top up up to rm100k. Worth it. Moving all my money from gxbank to here now after 5% interest expired yesterday
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I don't see those detail. where do u view it? email? only got notification say stay tuned but no detail
ericlaiys
post May 10 2024, 10:41 AM

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QUOTE(woowoo1 @ May 10 2024, 09:30 AM)
Those who have invitation, go to hlb mobile, press the bell sign on left corner, press news, you shld be able to see the invitation
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that invite only info. does it have a button to click?
besides, how it work? put in saving or put fd?

ericlaiys
post May 10 2024, 10:48 AM

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QUOTE(woowoo1 @ May 10 2024, 09:39 AM)
I have a feeling they data mine those using hlb acct to transfer to gxbank. Seems they time this right after expiry of of gxbank 5%

user posted image
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no way to know till July 31. Quite risky if not sure entitle. received notification from app but cannot view tnc.

ericlaiys
post May 10 2024, 12:19 PM

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QUOTE(woowoo1 @ May 10 2024, 10:55 AM)
Why risky?? Btw just follow my steps, go hlb mobile, press the top left hand corner bell sign, press news then press on the invitation, press find out more. The TNC will be downloaded. Btw the funds size is rm200 mil. I am sure if you deposit today sure will get
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now I can see it. it follow the notification time from yesterday. now can click find out more...
it only start today as they based on yesterday balance to count.
So let say yesterday balance is 5k. so in order to get 4.5%, must top up . balance in/out cannot less than 5k (in balance). Up to 100k
200 million will only last less than 1 month if compare to gxbank which is 1b
ericlaiys
post May 10 2024, 12:20 PM

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QUOTE(Teutonic Knight @ May 10 2024, 12:04 PM)
I gotten the invites too as I have made HLB as my regular FD account. Does this offer means I need to transfer min 100k to savings? As I understand, I thought I can transfer any amount up to 100k?
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yes.. to saving only
ericlaiys
post May 10 2024, 04:29 PM

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i got cc and saving with hlb. may be that why. got the invitation. so happy 4.5%, the highest right now, without lock in like fd
ericlaiys
post May 10 2024, 04:33 PM

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QUOTE(alvin890 @ May 10 2024, 04:11 PM)
I've checked with the nearby branch, seem like no point went there. First i ask CS then they refer me take number ask counter. Then when ask counter, they din aware tis campaign thus i show the PDF file then they check again and told me juz follow the term & condition as stated. Thus wasting time, since he juz read back as per the PDF file to me. Asking how m i confirm the eligible but cant answer. Juz told me tranfer to SA and max is 100k. 31 july interest will credited and receive sms.
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QUOTE(BWassup @ May 10 2024, 04:15 PM)
My HLB RM and their marketing team still cannot locate the promo. So weird. She asked if I could forward the full T&C for their further checking.

So far, only 2 page of the t&C posted here. Can anyone who received the notification be kind enough to post the full T&C you see when tapping the notification in the app, so that I can forward it to her?

Thanks very much!
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QUOTE(BWassup @ May 10 2024, 04:16 PM)
Mind sharing the pdf file here, as per my request in the previous post above? thanks!
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if your app no notification, no need read tnc or ask hlb. coz not they control. it is by invitation from yesterday: if open all, 200million fast finish since invited can get on 100k deposit. some one share tnc screen shot on previous post. so u can read there…. only invitation

This post has been edited by ericlaiys: May 10 2024, 04:34 PM
ericlaiys
post May 10 2024, 08:53 PM

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QUOTE(ycs @ May 10 2024, 05:54 PM)
i got invite in  the app but no email, entitled or not?
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don't think we got an email. app will do
ericlaiys
post May 10 2024, 09:12 PM

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QUOTE(ipunk1026 @ May 10 2024, 08:59 PM)
i have transfer money in HL current account but how do i know if the interest 4.5 % will be entitle for the fund?
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no one know. only trust app notification which indicate which ACC number & wait till 31 July
However
It is the obligation of the Eligible Customers to contact the Bank regarding any non-receipt of the Bonus
Reward within two (2) months after 31 July 2024, failing which the Eligible Customers are deemed to have
received the Bonus Reward and any claim for the Bonus Reward thereafter will not be entertained.

So I keep the screenshot and tnc a copy. So later I can argue with bank. Very important step as I argue with standard chartered before. Lucky I won as I got tnc black and white

This post has been edited by ericlaiys: May 10 2024, 09:16 PM

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