Hi, can somebody please enlighten the following interest calculation?

1) RHB Bank 4% p.a @ 3 months. Placed RM 10,000.00 from 25 Mar - 25 June 2019.  Interest earned is RM 100.82. Looks like RHB calculate base on 92 days instead of 93 days?
Base on my understanding:
25 Mar - 31 Mar @ 7 days,
1 Apr - 30 Apr @ 30 days,
1 May - 31 May @ 31 days,
1 Jun - 25 June @ 25 days
Total 93 days.
Therefore interest earned =  RM 10,000 x 4% / 365 x 93 = RM 101.92
However, RHB payout = RM 10,000 x 4% / 365 x 92 = RM 100.82
If I uplift yesterday, I will earn no interest (as shown on the upliftment page), but why the calculation is not based on 93 days (inclusive of 25 June) but 92 days?

2) HLB 4% p.a @ 6 months. Placed RM 20,000.00 from 15 Dec 2018 - 15 June 2019. Interest earned is RM 398.90 . Totally no idea how to get the amount
Base on my understanding:
15 Dec - 31 Dec 2018 @ 17 days
1 Jan - 31 Jan 2019 @ 31 days
1 Feb - 28 Feb 2019 @ 28 days
1 Mar - 31 Mar 2019 @ 31 days
1 Apr - 30 Apr 2019 @ 30 days
1 May - 31 May 2019 @ 31 days
1 June - 15 June @ 15 days
Total 183 days
Therefore interest earned =  RM 20,000 x 4% / 365 x 183 = RM 401.10
However, HLB payout = RM 398.90 (no idea how to get this)

Thank you

HLB FD - i thought it was 3.95% now left 3.90%?
only got 6 months option left, no more 1 year
maybe HLB too much money dont want FD anymore

any other recomendation other than OCBC360 and SCB PSB, i just want a FD that give rate 4.xx and yet no need go to bank and do it
If need go to bank and do it, waste time and not worth the 0.1% or 0.2% since my amount is small

thanks for sharing

here's the website >> https://www.rhbgroup.com/400/index.html

Amended Terms & Conditions for 8 & 15 Months CMD-i Campaign
3 June 2019

Dear Valued Customers,

We would like to inform that our Terms and Conditions for CMD-I 8 & 15 months campaign have been amended on General Clause 1(g) & 1(h).

The amended Terms and Conditions shall take effect immediately and is available here.

Thank you.

RHB (20190620)
CMD-i Campaign 20 May to 31 July 2019. Minimum 10k.
p0m8 3.85 %
p0m15 4.00 %

want to ask this this the CMD-i is online one? because cant find the link anywhere

omg, i need some advices.
i just perfrom FPX from Pbb to Hlb for FD placement.
The transaction failed shown in FPX page.

I then login to check my Pbb balance, it is transacted.
I then login Hlb, no new FD placed.

what should i do? call which party ?

just now 7pm, 1 hour only.
so is hlb problem? i will call hlb only tomorrow. today sunday should be no use even call

Hong Leong also no new promo

Ya ,hopefully HongLeong will offer good eFD rate during Digital day.

Just live chat with Affin Bank.
They told me the rate is the same as 10/05/2019

i just done hlb efd...its mentioned accepted for processing however due to fpx's batch processing is not reflected in your account detail...pls come back and check 4 hours later...my other bank already deducted the amount...
is this normal...scary ehh...both account nowhere showing the money is...

Hi bro

Do you know if I am required to open a Savings Account with them? Just asking here first before I give Affin Bank a call tomorrow.

BNM meeting on OPR is today. Finger cross for no bad news

Only Affin Islamic sahaja

Affin bank 4.23 officially ended. Today i went. Was told cukup quota. Got 4.15% 15m conventional  instead

Oh.. Noooo.. Was planning to go tmr :-( Anyway, thanks for the info

Affin 4.15% 13mths 661
Let’s say I save 10k in Affin 4.15% 13months.
Mean after 13months I will get RM459.03?

just open a bausc saving account an placed some fd in affin islamic bank. no need 10% in sving, just rm20 to open account. but fd didnt show up in my internet banking?

Wanna know...were you able to look for the FD rates on their website? I can't seem to know what's the rate they're offering from their website.