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

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voc8888
post Jan 19 2023, 03:06 PM

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QUOTE(Human Nature @ Jan 19 2023, 03:03 PM)
Sucks. Political pressure at play?
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wink.gif brows.gif
voc8888
post Jan 19 2023, 03:16 PM

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QUOTE(Human Nature @ Jan 19 2023, 03:11 PM)
Still no official statement released from BNM website
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https://www.bnm.gov.my/-/monetary-policy-statement-19012023
voc8888
post Feb 9 2023, 10:17 AM

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QUOTE(rachelchan77 @ Feb 9 2023, 09:28 AM)
Which branch u called they mention still have quota? All seems like not sure, weird bank management
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MBSB! Biasa lah! Crawl like a snail!

For Simpan Berganda Menang Bergaya 2.0 draw which was done on 14th December 2022, the results was finalized and published only on 7th Feb 2023, nearly 2 months after the draw date, maybe sebab Malaysia ada terlalu banyak public holiday punya pasai blush.gif
voc8888
post Feb 15 2023, 06:28 PM

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QUOTE(BoomChaCha @ Feb 15 2023, 04:08 PM)
Is this AM Bank 4.3% still available for tomorrow?

- Until month end per counter staff this morning.

Is this 12 months FD?

- Yes, for priority banking only

Can rentas fund to place FD rather than cheque?

- Banker's cheque. RENTAS very troublesome, require HQ verification and approval to confirm "freshness" of fund  brows.gif


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This post has been edited by voc8888: Feb 15 2023, 06:29 PM
voc8888
post Feb 16 2023, 11:07 AM

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QUOTE(gwenyth @ Feb 16 2023, 10:56 AM)
Affin fresh eFD promo:
16 Feb - 28 Feb

A. 4 mth @ 4%
B. 6 mth @ 4.03%
C. 9 mth @ 4.05%
D. 12 mth @ 4.24%

Min 10k, max 200k
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12M @ 4.23% Typo?
voc8888
post Feb 27 2023, 09:49 AM

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QUOTE(oldkiasu @ Feb 26 2023, 09:26 PM)
Are you getting more from Affin Invikta at 4.3 % when compared to Ambank at 4.3 % for 1 year during your placement in February? Both are OTC. Ambank is using 365 divisor days in 2023 and 366 divisor for days in 2024. How is Affin calculating for the 2024 days?
Other than the interest, Ambank can autouplift into the savings account on maturity without need to go to the bank. Does the Affin Invikta allow monthly payment of interest?
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Ambank allow auto-uplift to saving account on maturity?
voc8888
post Mar 9 2023, 03:12 PM

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https://www.bnm.gov.my/-/monetary-policy-statement-09032023
voc8888
post Mar 10 2023, 07:17 PM

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Affin eFD/eTD-i Campaign starting tomorrow:

Promotion Period: 11 March 2023 to 21 March 2023

Promotional Rate:
a. 4 months @ 4.02% p.a.
b. 6 months @ 4.05% p.a.
c. 9 months @ 4.10% p.a.
d. 12 months @ 4.25% p.a.

Minimum Placement Amount for Each Certificate RM10,000
Maximum Placement Amount for Each Certificate RM200,000

This post has been edited by voc8888: Mar 10 2023, 07:23 PM
voc8888
post May 12 2023, 04:11 PM

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QUOTE(babysotong @ May 12 2023, 01:23 PM)
Bank Islam

Quite a stupid practice - entire bank is close for Fridays prayers for two hours. This mean it is not meant to serve non-Muslim customers 🤣
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QUOTE(BWassup @ May 12 2023, 02:15 PM)
MBSB also closed for Friday lunchtime/prayers. Reopens 2.45pm
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QUOTE(MystiqueLife @ May 12 2023, 02:18 PM)
HSBC Amanah is closed on Friday lunch time too
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Same for Bank Muamalat, 2 hours lunch break 12:30 - 14:30 for Friday
voc8888
post May 24 2023, 03:24 PM

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QUOTE(contestchris @ May 24 2023, 11:12 AM)
All must provide, you should threaten AmBank, you will be surprised they will give you a zero fees account before you know it all of a sudden.
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You have succeeded? rclxms.gif
voc8888
post Sep 22 2023, 03:50 PM

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QUOTE(CommodoreAmiga @ Sep 22 2023, 11:23 AM)
Just to share. Have MBSB combo promo matured yesterday. A bit funny how their system works. On maturity date, your Principal and interest all goes back to Saving account. However, the locked cash in savings account is still unavailable until today. So for the locked cash part, it's maturity day + 1, then only become available balance.
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The counter is able to unfrozen and release the earmarked portion on maturity date MANUALLY.

This post has been edited by voc8888: Sep 22 2023, 03:50 PM
voc8888
post Sep 23 2023, 07:53 AM

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QUOTE(CommodoreAmiga @ Sep 22 2023, 08:01 PM)
Thanks. Means must go to counter if want to release on maturity date then.
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Unfortunately Yes.
voc8888
post Sep 25 2023, 04:39 PM

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QUOTE(BWassup @ Sep 25 2023, 03:34 PM)
I've had the savings account for many years. At the time of opening, I believe I was informed that a debit card was required to activate the online banking using the card details. Some banks today are still giving the same reasoning.  with the additional reason that most online transactions require app approval, which app is also activated using the debit card.

Maybe MBSB doesn't require it any more. Are you able to do online banking transactions with MBSB now?
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I just wonder if we cancel the ATM card after the activation of internet banking, whether the internet banking still working ? At least can jimat from second year onwards tongue.gif
voc8888
post Oct 16 2023, 03:57 PM

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QUOTE(BoomChaCha @ Oct 16 2023, 02:51 PM)
If you fail to get the Affin's virtual card, then open Affin basic saving account with a free debit card that can access to Affin internet banking.
It is a credit card size blur color paper with some number on it that can activate internet banking and Affin secure banking.
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I once used the virture card for internet banking and set up AffinSecure Apps.

Following few rounds of Affin system upgrade, my AffinSecure Apps no longer working.

I went back to Affin and I was told that they no longer issue Virtue Card, if I want to set-up the latest AffinSecure Apps, I need to apply for a debit card.
voc8888
post Oct 16 2023, 04:47 PM

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QUOTE(BoomChaCha @ Oct 16 2023, 04:41 PM)
Oh.. doh.gif

Affin call centre staff asked me to put in Virtual card number in order to activate secure banking about 2-3 months ago.
But I lost my virtual card for a long time which I spend to much time to look for it until today.  sad.gif

Still can see to key in virtual card pin from Affin Website:
[attachmentid=11482263]

Thanks for the info, I will get a basic saving account with a free debit card.  thumbup.gif
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For my case, I did keep my previous Virtue Card paper, when I key-in the virtue card number, the system prompt something like the number not valid tak boleh pakai liao
voc8888
post Nov 7 2023, 11:04 AM

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QUOTE(Ichitech @ Nov 5 2023, 09:54 PM)
So many people talked about ambank truesaver bundle promo.. any link if it ? Because seems like i cant find any like almost 10 pages back in this thread and no luck either on Ambank side..
Another question, is it compulsory to have debit card when i want to open this truesaver account i ?  based on here i need a debit card, if i need debit card, then for sure there is annual fee right ?
https://www.ambank.com.my/ambank/SiteAssets...countTnCEng.pdf
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I wonder whether there is any validity duration for the AmBank TRUE Savers a/c Bonus Rate (Deposit 1.15% + Spend/Pay 0.6%)?

Worry that the AmBank has the right to withdraw the Bonus Rate anytime they wish, leaving only the Base Rate .

This post has been edited by voc8888: Nov 7 2023, 11:11 AM
voc8888
post Dec 8 2023, 06:25 PM

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QUOTE(Human Nature @ Dec 8 2023, 06:18 PM)
Nowadays even what I do OTC, I will put the maturing instruction to be uplift to SA upon maturity. Then can transfer via online and save one trip.
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Not all bank is able to do this I presumed. The only few banks that I know that are able to do this are MBSB and Bank Muamalat if not mistaken.

This post has been edited by voc8888: Dec 8 2023, 06:26 PM
voc8888
post Apr 19 2024, 06:21 PM

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QUOTE(CommodoreAmiga @ Apr 19 2024, 12:17 PM)
OPR won't go up lah. Gov no balls to do so.

Btw, found another strange thing....got 2 FDs...one at CIMB and one at Public. Same amount, rate and period. CIMB FD get one extra sen. Lol. Public songlap my 1 cent.
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Affin Bank is very good at this too, always one cent short thumbup.gif

This makes me recall the "One Cent Thief" case that happened in the 90s where a bank officer did some "magic" to the fund transfer system to deduct one cent from every account until he amassed RM4.1 million in total. icon_rolleyes.gif
voc8888
post Apr 24 2024, 03:34 PM

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QUOTE(Human Nature @ Apr 24 2024, 08:24 AM)
Talking about the Ambank FD True SA bundle, have you received the 1.75% bonus this month already?
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Not yet for this month.

Historical receipt date of 1.75% Bonus Interest was:
- Nov '23 - Paid 04/01/2024
- Dec '23 - Paid 24/01/2024
- Jan '24 - Paid 22/02/2024
- Feb '24 - Paid 22/03/2024

This post has been edited by voc8888: Apr 24 2024, 03:39 PM
voc8888
post May 17 2024, 09:01 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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BI subsequently corrected to board rate ?

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