Fixed Deposit Rates In Malaysia V. No.15, Strictly for FD Discussion Only
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 Apr 21 2021, 12:37 PM
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#421
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All Stars
26,524 posts Joined: Jan 2003 
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Seems there is quite a number of interest for the 2 yrs 2.85% while the 18 mths 2.7% is seen not as attractive
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Apr 22 2021, 08:33 PM
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#422
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All Stars
26,524 posts Joined: Jan 2003
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At the Ambank FD cert placed last year, there is a clause stating that the effective date is after the cheque is cleared. I don't recall this is imposed when I brought in fund from banker's cheque / cashier order. Anyone with recent experience?
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Apr 23 2021, 12:07 PM
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#423
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All Stars
26,524 posts Joined: Jan 2003
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Rentas is still not in after 2 hrs. To check the status, should I check with bank A or bank B? Rentas from A to B.
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Apr 23 2021, 01:34 PM
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#424
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All Stars
26,524 posts Joined: Jan 2003
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QUOTE(??!! @ Apr 23 2021, 01:32 PM) Keep checking with B if $ is in. Found out it's Ambank system error. Just received notification that it has arrived at OCBC. Okla, as long I can make the cut of time. Else lose 3 days due to weekend.If ask A, they will say...sudah buat..u tunggu aje lah. From my last few months' rentas, transactions made before 11.30 am, average time arrival at B is 3.30 pm. Once, it arrived 4.30pm after banking hours A said will get between 12 pm to 2 pm . Unless FD effectivel date needs cheque to be cleared , better to issue personal cheque or banker's cheque  |
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Apr 23 2021, 02:52 PM
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#425
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All Stars
26,524 posts Joined: Jan 2003
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QUOTE(chamelion @ Apr 23 2021, 01:38 PM) UOB 2.5% 9 months. You need to talk to SA. 2.5% 9m is OTC too? Conventional or islamic?OTC is 2.2% This post has been edited by Human Nature: Apr 23 2021, 02:54 PM |
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Apr 26 2021, 06:56 PM
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#426
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All Stars
26,524 posts Joined: Jan 2003
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I’ll be doing the same tomorrow. Transfer out matured eFD and then OTC placement via instant transfer.
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Apr 27 2021, 10:40 AM
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#427
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All Stars
26,524 posts Joined: Jan 2003
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QUOTE(Human Nature @ Apr 26 2021, 06:56 PM) I’ll be doing the same tomorrow. Transfer out matured eFD and then OTC placement via instant transfer. QUOTE(mcr342 @ Apr 27 2021, 10:04 AM) Hi may i ask which branch u go to? The bm there suggest to rentas out and bring back cheque? I was advised that placement via instant transfer to CASA requires HQ approval for promotional rate.add: Rentas/cash may face same situation as above. This post has been edited by Human Nature: Apr 27 2021, 03:32 PM |
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Apr 27 2021, 03:35 PM
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#428
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All Stars
26,524 posts Joined: Jan 2003
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QUOTE(joeblow @ Apr 27 2021, 03:32 PM) Hi guys, The 10k is not already inside CASA? Else you can withdraw on the same day.Just went to AMbank with a new personal cheque and effective FD date is today, 2 years 2.85% paid half yearly interest. Please note one cheque to be split xx FD and 10k CASA which I can withdraw once cheque cleared. Meaning Fri I have to go down to withdraw the 10k. Now I might just buy some AMBank shares in hope they will get bought up soon... LOL. |
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Apr 27 2021, 03:39 PM
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#429
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All Stars
26,524 posts Joined: Jan 2003
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QUOTE(joeblow @ Apr 27 2021, 03:38 PM) That's the point I am trying to make. One cheque and they will split for you, no need 2 cheques or money already in CASA. CASA less than 100rm currently. I never bother to ask for more % since my amount not small. Check with the BM before you go down, because this method might be branch specific. Ah I see. I transferred 10k directly to CASA while the rest into cashier order. Hence can withdraw on the same day. |
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Apr 29 2021, 02:36 AM
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#430
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All Stars
26,524 posts Joined: Jan 2003
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QUOTE(dattebayo @ Apr 29 2021, 02:18 AM) Actually, transfer from eFD into branch FD of the same bank eFD from bank A, placed over the counter of bank A? Is it considered as fresh fund? No |
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May 3 2021, 06:48 PM
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#431
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All Stars
26,524 posts Joined: Jan 2003
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^correct. I made all placements otc, avoiding FPX after seeing several forumers sharing their experience. Don’t want to get heart attack.
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May 3 2021, 08:41 PM
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#432
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All Stars
26,524 posts Joined: Jan 2003
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QUOTE(chamelion @ May 3 2021, 08:31 PM) What is May's rate? All eyes on OPR meeting 6 May |
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May 6 2021, 11:30 AM
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#433
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All Stars
26,524 posts Joined: Jan 2003
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QUOTE(Afterburner1.0 @ May 6 2021, 10:58 AM) So apa out come today's OPR meeting??? lol maintain? naik? turun? i prediction mostly status quo... as usual.... Bank negara play safe all the time. Will be known at 3pm today. |
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May 6 2021, 03:01 PM
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#434
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All Stars
26,524 posts Joined: Jan 2003
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At its meeting today, the Monetary Policy Committee (MPC) of Bank Negara Malaysia decided to maintain the Overnight Policy Rate (OPR) at 1.75 percent. dannyw liked this post
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May 6 2021, 03:15 PM
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#435
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All Stars
26,524 posts Joined: Jan 2003
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I placed all my Ambanks at 15 mth despite earlier reservation to place at 9 mth due to possibility of an increased in OPR. Lucky decision i guess.
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May 6 2021, 06:12 PM
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#436
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All Stars
26,524 posts Joined: Jan 2003
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QUOTE(bbgoat @ May 6 2021, 05:35 PM) Last week I placed at AmBank 9 mth FD. This week wanted to do the same, but due to FPX problem, put at HL TIAi 6 mths. Seems so. BNM seems to be cautious and not likely to make any change when there is uncertainties. It seems OPR increase may not be that soon down the road ?? I will be moving out some fund from BR as there is no promo for quite some time and their base rate is no longer attractive. Now I hope Ambank don't end their promo prematurely. |
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May 7 2021, 11:13 PM
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#437
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All Stars
26,524 posts Joined: Jan 2003
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QUOTE(sweetpea123 @ May 7 2021, 10:10 PM) Deposited AMBANK today, Just in case if you are not aware, the 10k in CASA is not earmarked. You can withdraw it if you want.2.85% for 24 months, 10K in CASA. MUST OPEN SAVINGS ACC for monthly crediting of interest. *Cannot opt for collection of interest at maturity. Paid RM12 for a compulsory debit card. *apparently applies to all who wants the promo rate below (dunno the staff there bluff me or not  )9m-2.5% 18m-2.7% 24m - 2.85% Also, you could open a BSA with no fee if you don't want a debit card or do online banking. |
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May 10 2021, 09:33 AM
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#438
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All Stars
26,524 posts Joined: Jan 2003
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QUOTE(cfc @ May 10 2021, 08:49 AM) anyone know for ambank OTC FD placement, do i need to go to the same branch to do withdrawal or I can just go to any branch as long as i have the slip ? thanks. Any branch is okay for Ambank |
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May 11 2021, 04:03 PM
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#439
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All Stars
26,524 posts Joined: Jan 2003
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QUOTE(miclim82 @ May 11 2021, 01:55 PM) Bank Rakyat 18 months rate is slightly higher than Ambank. Have FD maturing on the 17th, will check if can renew at this rate.Starting 16 May until 31 August 2021. 8 months - 2.48% 11 months - 2.58% 18 months - 2.78% Minimum deposit at RM10,000. |
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May 15 2021, 11:50 AM
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#440
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All Stars
26,524 posts Joined: Jan 2003
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Just click the report button.
Back to FD, still no announcement of the FD promo by BR. However, their FB is teasing on something sweet to be announced on Monday. Probably that's it. |
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