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

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CommodoreAmiga
post Sep 27 2023, 01:33 PM

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QUOTE(gamenoob @ Sep 27 2023, 12:20 PM)
Strange though. I can see the current balance which is higher from the 25% deposit split. But available balance is the minimum amount ie rm100 which was deposited to open this primewin SA account. The system doesn’t seem to allow withdrawal/transfer out beyond the rm100 for now.

Went to counter and ask, they say cannot transfer out/withdraw . Must maintain that 25:75 split ratio…
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This is correct lah. Combo FD like that. Example you have 100K fd. So 25K will be locked and total balance will be RM25,100. Only RM100 is available. But i you can't withdraw this RM100 either since this is minimum balance required...you can try and see.
CommodoreAmiga
post Sep 29 2023, 07:15 AM

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QUOTE(Human Nature @ Sep 28 2023, 10:33 PM)
Hmm..today last day..wonder if i should go there OTC for 4.2% 12 mths...
CommodoreAmiga
post Oct 2 2023, 09:29 AM

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Just received notification in the app.

CIMB e-FD 12mths 3.8%, until 31st October 2023.

This post has been edited by CommodoreAmiga: Oct 2 2023, 09:29 AM
CommodoreAmiga
post Oct 2 2023, 12:24 PM

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I wonder what is MBSB rates now? BI?
CommodoreAmiga
post Oct 5 2023, 09:35 AM

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QUOTE(netcrawler @ Oct 4 2023, 06:37 PM)
Went in RHB online, it show 3.85 for 6 months but unable to click next after selecting fpx bank. RHB online cacat?
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Tested just now...can. Your browser cacat.... tongue.gif
CommodoreAmiga
post Oct 6 2023, 02:46 PM

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QUOTE(fabu8238 @ Oct 6 2023, 11:36 AM)
Anyone seen the latest UOB promo for the so called wealth and privileged customers? They don't seem to understand that making things so complicating is a major turn-off
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Got link? Curious...😄
CommodoreAmiga
post Oct 6 2023, 03:30 PM

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QUOTE(fabu8238 @ Oct 6 2023, 03:07 PM)
Wow. Only 4%, so much tok kok sing song.

QUOTE(HolyCooler @ Oct 6 2023, 03:28 PM)
I think banks have a lot of money now. Requested to get a better rate for 1mil FD, for 1 year duration, but they only offering me up to 6months duration, don't want me to lock the money for a year. I thought they loved customers to put in the money as long duration as possible?

Btw, this Maybank, been having issues for their online FD system for 2 months+ now, randomly having this "our service is not available this time", hey Maybank, hire better programmers  and security staff la, diuuuuuuu!
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Just stay away from Maybank lor. Not like they give good rates also.

This post has been edited by CommodoreAmiga: Oct 6 2023, 03:31 PM
CommodoreAmiga
post Oct 6 2023, 10:43 PM

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QUOTE(joeblow @ Oct 6 2023, 06:39 PM)
So now best rate is still BI, MBSB and AMbank? The rest seems cannot make it. I got money to put in next week, but seems everywhere all below 4.2%
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MBSB not confirmed, depends on your account.

Now anything > 4% is good lor. Don't be greedy lah.
CommodoreAmiga
post Oct 7 2023, 12:27 PM

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QUOTE(cklimm @ Oct 7 2023, 10:55 AM)
So, does any banks give freebies for FD deposit recently? A payung I also happy
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Give you condom sehelai. Now where got give freebies for FD. If you buy Unit Trust, maybe can get lah.

This post has been edited by CommodoreAmiga: Oct 7 2023, 12:32 PM
CommodoreAmiga
post Oct 9 2023, 11:51 AM

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QUOTE(Human Nature @ Oct 9 2023, 11:39 AM)
Ambank

CONVENTIONAL FD & ISLAMIC TD OTC

3-month @ 3.80% p.a (fresh fund)
3-month @ 3.60% p.a (existing/renewal)

6-month @ 3.85% p.a (fresh fund/existing/renewal)

10-month @ 4.00% p.a (fresh fund)

12-month @ 3.90% p.a (fresh fund)
12-month @ 3.85% p.a (existing/renewal)

Offer validity:
9 Oct 2023 - 15 Oct 2023
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My RM WhatsApp me the same...min 10k and for Signature Priority Customers only.
CommodoreAmiga
post Oct 12 2023, 11:08 AM

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QUOTE(virtualgay @ Oct 12 2023, 10:23 AM)
some bug with RHB FD...
today mature date but interest not credit and i make a call they say tomorrow only interest will be credited
so i cannot manually withdraw if i do then i lost all the previous interest... anyone have RHB FD maturing today?

hilang 1 day interst haiya....
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if they pay 1 extra days it's fine. Sometimes, some banks will push the maturity date one or two days back due to weekend or PH. But since it's RHB (Really Horrible Bank) i doubt they would...kasi sue kaw kaw!
CommodoreAmiga
post Oct 15 2023, 10:50 AM

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QUOTE(BWassup @ Oct 14 2023, 09:53 PM)
You could be right. Banks are more keen to get us to take their debit cards, and earn some fees annually.

Anyway, will go ask them when I pass by the branch.
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200k clients...x RM8=RM800k...easy money.

updated:
OOps...RM 1.6mil...what was i thinking, CPU glitch in the matrix.

This post has been edited by CommodoreAmiga: Oct 15 2023, 07:38 PM
CommodoreAmiga
post Oct 16 2023, 10:09 AM

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QUOTE(abcn1n @ Oct 14 2023, 08:11 PM)
I also have cannot withdraw on maturity date or lose all the interest. Happen for both RHB and Hong Leong. I just wait for next day. No additional interest given
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QUOTE(don123 @ Oct 16 2023, 09:29 AM)
I withdraw the FD when on the maturity date. The message is just misleading you. We can get full interest if withdraw on the maturity day. I just did it on last Friday and Sunday. NO issue.
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I can concur with don123. The messages are very misleading. Probably done on purpose. i have withdraw on maturity date as well, no issue.
CommodoreAmiga
post Oct 16 2023, 04:00 PM

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QUOTE(abcn1n @ Oct 16 2023, 03:15 PM)
Usually no problems one for RHB. But sometimes I do run into this problem. HLB on the other hand, always like this. I just don't want to take the risk  of losing the whole interest, so wait for extra day if the message pop up. Even DBS Singapore also give me message can't withdraw on same day. Wait an extra day as usual
Usually no problems one for RHB. But sometimes I do run into this problem. HLB on the other hand, always like this. I just don't want to take the risk  of losing the whole interest, so wait for extra day if the message pop up.
Thanks for info. Unfortunately after years of having no card, finally got one. Saw this message too late
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QUOTE(hedfi @ Oct 16 2023, 03:26 PM)
Never had issue with HLB, online and OTC, always on the maturity date
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Yeah, i don't have problem withg HLB. Only RHB is the only one. Other banks, might push back or foward actual date 1 or 2 days. But rates accordingly.
CommodoreAmiga
post Oct 16 2023, 05:40 PM

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QUOTE(BWassup @ Oct 16 2023, 05:28 PM)
hahaha. No worries. I have one FD with Affin maturing in 2024, and don't need to use Affin Secure approval. Will consider opening basic savings account if their FD rates are good enough again in future tongue.gif
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Affin is one of the most fark up bank when open saving accounts. Tons of documents need to sign and fill, thicker than an S&P.
CommodoreAmiga
post Oct 16 2023, 07:32 PM

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QUOTE(cyclopcom @ Oct 16 2023, 05:52 PM)
I am thinking of open a public bank account, but before that I found that public bank online banking website require at least Google Chrome 109/Microsoft Edge 109/Mozilla Firefox 109/Opera 94, my pc browser does not meet the requirement, I just want to know that anyone able to access public bank online banking using browser below the requirement?
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Huh? Why can't you just update your Browser on the PC???
CommodoreAmiga
post Oct 20 2023, 07:13 PM

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QUOTE(BoomChaCha @ Oct 20 2023, 06:49 PM)
My placement is 50% in FD account + 50% in True savers saving account, the effective rate is 4.1%.

Your RM is not familiar with this promo.
You can check with different Am Bank branches.

September FD rate was higher than this October promo.
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Hmm..4,1%? might as well take the BEST18 promo. Fed up with all these CASA thingy.
CommodoreAmiga
post Oct 21 2023, 02:06 PM

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QUOTE(BoomChaCha @ Oct 21 2023, 01:38 PM)
Don't forget to ask for monthly interest if place via counter  thumbsup.gif

But not sure if this bundle deal still available or not next week?

[attachmentid=11482741]
[attachmentid=11482742] --> Borrow this photo from Human Nature  thumbsup.gif
Hopefully can place OTC so that can get monthly interest.

I have a feeling OPR maybe will go up soon since Am Bank offers 18 months FD?  hmm.gif
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Powell already said US rates will continue to go up next year. Likely BNM can't tahan and hold forever. USD 1 already RM 4.80 now. I think it will need to go up early next year.
CommodoreAmiga
post Oct 23 2023, 09:47 AM

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QUOTE(BWassup @ Oct 23 2023, 09:33 AM)
Not bad, whilst waiting for clearer directions.
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I have closed my Bank Mamat bank ac a few mths back. Really don't like this bank. Dont feel safe money with them. Not going back regardless how much FD they offer.
CommodoreAmiga
post Oct 23 2023, 07:13 PM

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QUOTE(kevyeoh @ Oct 23 2023, 06:43 PM)
someone just triggered me about foreign FD... anyone here got comments about foreign FD? since put in USD so nice right...easily more than 5%...can consider leh...
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I am also planning....problem is RM 4.8 now...really painful...there is another thread for foreign FD here btw..can get 5.5 to 5.7% USD FD now.

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