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

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cclim2011
post Jun 14 2024, 11:17 AM

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mbsb duitnow limit is 50k now daily?
cclim2011
post Jun 25 2024, 03:53 PM

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ambank true saver interest is in
this month it goes to my -i acct after i cleared tge conventional saving acct.
cclim2011
post Jun 25 2024, 10:36 PM

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QUOTE(Omgf @ Jun 25 2024, 10:32 PM)
max 2.5% for ambank true saver account if didnt opt for investment product?
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ya i think so
cclim2011
post Jun 26 2024, 10:34 AM

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hi, i forgot already. Bank Islam offers Credit-to-Acct after mature? for principal.

thanks.

This post has been edited by cclim2011: Jun 26 2024, 10:35 AM
cclim2011
post Jun 28 2024, 10:55 PM

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well i placed once on Wednesday and once just now. both about 15 minutes after lunch break.

Wednesday took me 30 min (coz only one staff at counter). but

just now took me 40 min (coz need to go to and fro between counter and outside desk staff). stuck at the last step (need digital signature - just 30 seconds actually - for creating "new" fd acct). well it would have taken may be 2 hrs if not i jumped queue after i made fuss to the staff who is entertaining an company saving acct opening (which already took > 45 minutes)


cclim2011
post Jul 5 2024, 12:15 AM

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QUOTE(Human Nature @ Jul 4 2024, 11:16 PM)
Different branch different procedure then. I only have the counter staff handling all. Only need to go to the side counter when opening SA.
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which branch so special
got sign digital signature? if yes, over counter also?

This post has been edited by cclim2011: Jul 5 2024, 12:17 AM
cclim2011
post Jul 5 2024, 08:41 AM

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QUOTE(Human Nature @ Jul 5 2024, 12:56 AM)
Yes, sign OTC also. Both branches that I frequent have the same procedure. One of them don't even have a side counter  biggrin.gif
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such an inconsistency
pretty worrying too then 😂
cclim2011
post Jul 5 2024, 02:14 PM

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QUOTE(mamamia @ Jul 5 2024, 12:45 PM)
placed FD at BI yesterday, overall took me less than 30min..

I've FD matured today, but, nobody call me to remind, guess the amount is not big enough, yesterday i also asked the staff if the 4% must be fresh fund, he said yes, so, i just withdraw my FD today online n see next week if wan to go BI again only transfer back as "fresh fund"...

KL procedure > get number urself at kiosk > go to counter > fill up form n verified thumb print (less than 5 min) > sit aside wait for another counter (should be manager level) to call me to collect cert > wait about 15 min n go to next counter staff to sign digitally n physically to collect cert (less than 5 min), all done.
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wait till you have say 2 people queuing and opening account at the digital signature counter (if there is only one). 😂
cclim2011
post Jul 10 2024, 12:20 AM

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QUOTE(kplaw @ Jul 9 2024, 11:58 PM)
Got a 12m fd at bi, made on 7-7-23 n matured on 8-7-24. 7-7-24 was sunday n at the same time muharram so the maturity date fell on 8-7-24 (?). But 8-7-24 was a replacement public holiday, so only today I could go to the bank, hoping to renew the fd at the 4% promo rate n with start date on 8-7-24. But was told that they could only break the fd which had been renewed on 8-7-24 at board rate n start a new one today. I argued with them on the starting date as it was public holiday yesterday but to no avail so I lost a day of interest. Don't understand how their system work..

user posted image
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u shld actually try to uplift on 8th via online

or check with bank if you can get some small interest for 8th July itself.

shldnt ask for backdate at all.

you actually earned extra one day interest for 7th Sunday. Somes bank will just put the maturity date on 7th Sunday (without extra interest for 7th and 8th) when you go uplift on 9th.

This post has been edited by cclim2011: Jul 10 2024, 09:26 AM
cclim2011
post Aug 22 2024, 03:36 PM

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QUOTE(sibeh hoseh @ Aug 21 2024, 08:45 PM)
Never thought of me going to bank muamalat for FD but honestly bravo to them.

Very professional and very friendly. I rate them above my expectations and here I would say sorry to bank islam. U guys are slacking behind in term of services.
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thanks for the info. would you know if bank muamalat FD can give instruction to auto transfer to saving on maturity? (ie dont need to go to bank for uplift and outgoing transfer)

thanks.
cclim2011
post Aug 22 2024, 04:22 PM

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QUOTE(sibeh hoseh @ Aug 22 2024, 04:05 PM)
Hi

The answer is YES and it's by choice u can choose when u do placement. Their friendly staff(s) will explain and ask on each and every step along the process.
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noted. thanks
cclim2011
post Aug 27 2024, 09:14 AM

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QUOTE(Afterburner1.0 @ Aug 27 2024, 08:51 AM)
Yes, btw their online banking site....cant even see ur fd amount..... only can see ur savings acc amount..... oh dear muamalat..... r ur digital banking team stuck in dinosaur era??????
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and have to pay rm15 yearly for ATM card for the internet banking right?
cclim2011
post Sep 3 2024, 09:52 AM

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QUOTE(ikanez @ Sep 3 2024, 09:30 AM)
hi everyone.

just wanted to share. starting september, the 12-month 4% rate will no longer be available via branches. however it will still be available via the Be U app, until 31/12 (or once we hit allocated cap, kinda like GX)

can refer for details for the campaign: https://getbeu.com/campaigns/BeU-TermDeposit-i-Extra

user posted image

feel free to DM for more info on TD, or any other general feedback (ie. things to improve, wishlist) about the app.

I have bank islam FD and saving acct. But BeU always stuck at ID verification. Tried 3 times over a month dy.

Customer service replied email like no reply haha.

thanks!

p/s: i work at Be U.
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cclim2011
post Sep 3 2024, 05:45 PM

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user posted image
user posted image

like this for two weeks liao. i mean, if rejected, can at least tell me if it's rejected so that i can uninstall?

This post has been edited by cclim2011: Sep 3 2024, 05:45 PM
cclim2011
post Sep 9 2024, 06:23 PM

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QUOTE(Afterburner1.0 @ Sep 9 2024, 02:53 PM)
thanks for the update.... but i just wonder.... wat do these banks think when planning their FD rates promo... everyone knows the best rates is 4.1% at muamalat bank.... so faster go rush to Muamalat bank guys....
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just some small info

muamalat has no basic saving acct that dont charge atm annual fee (rm 12 every year)

without atm card you can't do online transfer



cclim2011
post Sep 16 2024, 02:02 PM

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QUOTE(HypoglossalXII @ Sep 16 2024, 08:35 AM)
Just make an Excel for your portfolio.
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google sheet... 😋
cclim2011
post Sep 18 2024, 01:53 PM

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QUOTE(whycanot323 @ Sep 18 2024, 01:48 PM)
just made placements 12m 4% at Be U....
one thing i noticed is the app has no time out to auto sign out the account.
the app with login status and place in background, after nearly 30mins using other apps, and open back the Be U app from background app, i still can check my savings/term deposit and every things else.
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my fd placememt always failed. and gave no futher specific reason or instruction to proceed.
frankly, i feel the app is a bit flimsy...
cclim2011
post Sep 18 2024, 05:09 PM

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QUOTE(ikanez @ Sep 18 2024, 04:48 PM)
ouch. can you help to log a ticket on this via the app (if you haven't already)?
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no i havent. will do when need arises again hehe.

opened acct also susah few weeks thought happily can place fd, who knows after swiped approve everytime, failure. 😆
cclim2011
post Sep 19 2024, 10:38 AM

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QUOTE(Ethan @ Sep 19 2024, 10:35 AM)
Same here...  rclxub.gif 

On top of that, got so many credit cards from different banks with different statement dates.  rclxub.gif  rclxub.gif
devil.gif
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can call to adjust the statement dates. mine one like... 14/15 cards are on 14th/15th 😂
cclim2011
post Sep 27 2024, 03:41 PM

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QUOTE(CommodoreAmiga @ Sep 27 2024, 02:37 PM)
So far, all other banks waived. Only Bank Islam kedekut sial.
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if not mistaken, alliance. 😑

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