Welcome Guest ( Log In | Register )

10 Pages « < 2 3 4 5 6 > » Bottom

Outline · [ Standard ] · Linear+

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

views
     
ericlaiys
post May 10 2024, 10:52 PM

Look at all my stars!!
*******
Senior Member
7,577 posts

Joined: May 2012


QUOTE(Optizorb @ May 10 2024, 10:28 PM)
Doesn't mean much cause the bonus will only be credited after the campaign ends.

Not like gx where you can see the daily bonus credited and then immediately know whether you qualified for it.

So you can only put trust that HLB not doing any hanky panky.

Would also be good if they would make announcement when quota cap reached, like what gx did.. But they don't have any obligation to do this as expressly stated. So depends on their goodwill. Like gx tnc also said they not obliged, but they still did inform people.

For reference, gx 1 billion capping reached in 12~13 days.
And that's for 20,000 users, assuming each maximizes.

This HLB 200mil quota, if everyone maximizes, then only first 2000 people would qualify.
*
That why they don’t open all

This post has been edited by ericlaiys: May 10 2024, 10:53 PM
ericlaiys
post May 13 2024, 08:31 PM

Look at all my stars!!
*******
Senior Member
7,577 posts

Joined: May 2012


QUOTE(Optizorb @ May 13 2024, 07:52 PM)
exactly this.

unless you can get black and white confirmation from hlb that you are still eligible for it.. or you willing to argue with them later on when promo ends..

for those who didnt get the invitation first 2 days of promo.. my own opinion is better not to go for it now la.. today is the 4th day dy

for 50k, 4.5% hlb vs 3.8% rize, difference around RM51 only..
*
most likely quota finish. tnc mentioned clearly 31 july only knew and they keep promoting so everyone thought will get. marketing, u either won or loser

This post has been edited by ericlaiys: May 13 2024, 08:32 PM
ericlaiys
post May 14 2024, 05:15 PM

Look at all my stars!!
*******
Senior Member
7,577 posts

Joined: May 2012


QUOTE(Ayambetul @ May 14 2024, 05:05 PM)
Sounds like a trap to me laugh.gif

Does BNM allow bank to have such practices?
*
they told u earlier in tnc. so they don't lie.
ericlaiys
post May 17 2024, 08:58 AM

Look at all my stars!!
*******
Senior Member
7,577 posts

Joined: May 2012


QUOTE(Barricade @ May 17 2024, 08:55 AM)
The bonus earns 4.5%. Basic Savings Account pay out interest of 0.25%

So effective interest is 4.75%?  laugh.gif
*
4.5 minus 0.25%
where got count accumulation?
ericlaiys
post May 19 2024, 11:37 AM

Look at all my stars!!
*******
Senior Member
7,577 posts

Joined: May 2012


QUOTE(spf @ May 19 2024, 10:06 AM)
hi all,

For the Hong Leong 4.5% bonus interest promo, had the rm200million cap been reached? i live chatted a few times, but they said they have received no internal message, so they assumed can still make new funds deposits.

But, for last year similar promo, had the promo cap been reached finally ie. what's the final interest given, and how is last year overall experience? thks.

(Was informed in live chat, that NO further bonus interest on remaining eligible balance will be given once promo cap been reached!)
*
read TNc. Already clearly stated no informed when reached. So put it on your own risk. Don’t recall got this promo last year. If no promo, follow back your saving acc rate.
You either get it 50% chances or zero. Only will know by 31 July & CS wont tell u as this is why they put this criteria in tnc
If they tell u, then cannot trick people to put 100k into saving acc and withdraw. HLB is smart. No commitment.
Based on history from GXBank which has larger pool already full after 10 days. HLB only 200m which is 5x smaller than GXBank.Those late, sorry

This post has been edited by ericlaiys: May 19 2024, 11:40 AM
ericlaiys
post May 21 2024, 02:26 PM

Look at all my stars!!
*******
Senior Member
7,577 posts

Joined: May 2012


QUOTE(slimguy @ May 21 2024, 02:07 PM)
damn the i FPX from CIMB to harimau for eFD money out from CIMB but loss and harimayu show nothing. i saw few member having same problem. can i know how long till the money back to me? i had filled complain email to harimau, cimb and paynet and even BNM. what else i can do?
*
nothing u wait any of them response to u
ericlaiys
post May 24 2024, 05:57 PM

Look at all my stars!!
*******
Senior Member
7,577 posts

Joined: May 2012


QUOTE(alvin890 @ May 24 2024, 05:02 PM)
Hi all, rmb those HLB promo 4.5% till 1st of July 2024 through special invitation...
today branch manager gv me a call and said that quota still havent fullfill thus encourage us to continue deposit in the SA.
seem like many of us scare since it's no guarantee can get the interest bcoz T&C mentioned HLB wun notify us even quota has been fullfill.
*
what happened after aug and u don't get interest? are you going to take his word.....lol
at least aeon bank 3.88%

This post has been edited by ericlaiys: May 24 2024, 05:57 PM
ericlaiys
post May 25 2024, 12:39 AM

Look at all my stars!!
*******
Senior Member
7,577 posts

Joined: May 2012


QUOTE(kyleen @ May 24 2024, 06:25 PM)
HLB seems desperate. No, I didn't get the 4.5% invitation, but surprisingly when I log on my account using normal browser (not app), there is a promo in my SA account, deposit 150k/200k for 4 months and get a Dyson hairdryer/vacuum.
*
This one everyone also got. But I’m not interested on those 2 items
ericlaiys
post May 27 2024, 01:20 PM

Look at all my stars!!
*******
Senior Member
7,577 posts

Joined: May 2012


QUOTE(CommodoreAmiga @ May 27 2024, 01:17 PM)
Ambank 3mth 3.6%

Code: BEST3
*
PBB & HLB - 3month also 3.6%
ericlaiys
post Jun 1 2024, 11:26 PM

Look at all my stars!!
*******
Senior Member
7,577 posts

Joined: May 2012


QUOTE(Imsexyandiknowit @ Jun 1 2024, 11:18 PM)
I don't agree with the banks you mentioned especially Am bank, that's not the calculation that they applied.I know and are very SURE because  I have placement with them.For the other 2 banks they apply  365 as per annum even on a leap year.Perhaps you should check it out...Let me know if I AM WRONG.Thanks anyway
*
2024- is leap year. so 366 days
ericlaiys
post Jun 2 2024, 01:30 PM

Look at all my stars!!
*******
Senior Member
7,577 posts

Joined: May 2012


QUOTE(ruudygh @ Jun 2 2024, 01:28 PM)
user posted image

Guys how do I place the promo FD 4% at MBSB website?
when i click on promotion, i didnt see the promo FD, do I have to go over the counter?
*
counter
ericlaiys
post Jun 3 2024, 11:25 AM

Look at all my stars!!
*******
Senior Member
7,577 posts

Joined: May 2012


QUOTE(guy3288 @ Jun 3 2024, 11:21 AM)
Anyone has PBB  FD 4.5% 18months due earlier?

Current PBB rate so low
surely you guys  would withdraw them at maturity.

ini PBB online  login i cannot see where the withdrawal button..

scared it would be autorenewed at board rate
no online withdrawal function..unlike  BI so easy....

any one has done  withdrawal online for PBB FD?
if not  kena pi bank withdraw susah lo..

user posted image
*
withdraw to saving acc when due. dunno why pbb dont credit to saving.
ericlaiys
post Jun 3 2024, 03:32 PM

Look at all my stars!!
*******
Senior Member
7,577 posts

Joined: May 2012


QUOTE(guy3288 @ Jun 3 2024, 02:36 PM)
you can withdraw to saving account  via PBe online?
or must go branch to withdraw?
thanks bro, i  tried login check again

from outside i can click it open to see the list on eFD

once inside  the serial No 1, 2,3 all not clickable

is your eFD 18 month 4.5% type or different??

must ask  @bgoat sure he had PBB eFD.
user posted image

user posted image
*
online. i dont like go physical

ericlaiys
post Jun 15 2024, 10:12 PM

Look at all my stars!!
*******
Senior Member
7,577 posts

Joined: May 2012


QUOTE(hksgmy @ Jun 15 2024, 09:37 PM)
How much to open citigold in Malaysia ah?
*
Citibank closed shop in Malaysia. Now take over by uob. Where have you been?
ericlaiys
post Jun 24 2024, 12:43 AM

Look at all my stars!!
*******
Senior Member
7,577 posts

Joined: May 2012


QUOTE(donkeygg @ Jun 23 2024, 11:56 PM)
Hello Sifus,
i have a stupid question here, if you have rm1million in a saving account, would you split it into 4 different banks with 250k each bank? since the PIDM covered up to 250k max just in case Bank A goes to bankrupt?

and for those high networth sifus who has more than 1million in FD/savings in 1 bank, would you afraid if this really happen?

thanks.. i really need to know this just in case if i have 1 million in future so i know it is needed to split since each bank PIDM covered up to 250k only
*
Don’t put all in one basket. Plus each bank security is unknown. So advise split into multiple and make sure all active.
Don’t say one million, let say salary 5k. I will split into 5 bank. In case one bank system down, I still got 4 bank.
Another example, scammer steal from one bank, I still got 4 bank.
My friend always relies on his salary where it bank in. Then system down, he cannot withdraw money.
I won’t put all into 1 which give high fd. Will split into multiple even low interest.
Even digital bank, all offered diff interest rate, I still put 3 rather than 1. Lesson learned from rise, MBB, cimb system failure

This post has been edited by ericlaiys: Jun 24 2024, 12:47 AM
ericlaiys
post Jul 5 2024, 11:06 AM

Look at all my stars!!
*******
Senior Member
7,577 posts

Joined: May 2012


QUOTE(dudester @ Jul 5 2024, 10:50 AM)
My other fd matured on 1Jul24, it got renewed at 2.1%, so i withdrew.
Strangely this one states 4.05. In a way, I like how inconsistent BI is, a learning and growing bank
*
auto renew will reflect 2%+ after few days. already people reported in previous post. so dont believe you will get 4% auto renew
ericlaiys
post Jul 17 2024, 10:39 AM

Look at all my stars!!
*******
Senior Member
7,577 posts

Joined: May 2012


Ambank new fd promo:- https://www.ambank.com.my/eng/promotions-pa...-eTDi-18-months
ericlaiys
post Jul 17 2024, 10:49 AM

Look at all my stars!!
*******
Senior Member
7,577 posts

Joined: May 2012


QUOTE(Human Nature @ Jul 17 2024, 10:45 AM)
Weak, can't even give 4% for 18m. Was expecting Ambank to mount a challenge
*
if fed rate cut rate, opr wont go up. so interest rate sure drop.
ericlaiys
post Jul 17 2024, 03:28 PM

Look at all my stars!!
*******
Senior Member
7,577 posts

Joined: May 2012


QUOTE(fabu8238 @ Jul 17 2024, 03:18 PM)
18 months no see return and only give 3.8%pa.....agree marketing failed!
*
interest pay out every 6 month.
ericlaiys
post Jul 17 2024, 04:26 PM

Look at all my stars!!
*******
Senior Member
7,577 posts

Joined: May 2012


QUOTE(fabu8238 @ Jul 17 2024, 03:36 PM)
Hope you are correct as the TNC says on maturity. Hope AmB spots this and does the right thing.
*
u can see it when u do the fd. it stated there, half 6 month interest payout.
confirmation email stated
Tenure : 18
Interest / Profit Payment Frequency : Half Yearly
Interest Rate / Profit Rate (%) : 3.80
Interest / Profit Payment Instruction on Maturity : Auto Renewal Principal & Transfer Interest to Account

This post has been edited by ericlaiys: Jul 17 2024, 04:29 PM

10 Pages « < 2 3 4 5 6 > » Top
 

Change to:
| Lo-Fi Version
0.0668sec    0.58    7 queries    GZIP Disabled
Time is now: 16th December 2025 - 02:33 PM