Fixed Deposit Rates In Malaysia V. No.15, Strictly for FD Discussion Only
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 Dec 27 2016, 01:35 PM
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Senior Member
6,614 posts Joined: Mar 2011 
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QUOTE(starry @ Dec 27 2016, 01:19 PM) From my experience so far HSBC and HLB systems auto-calculate the weekend interest based on promo rate. There's no standard guideline from BNM regarding this? Not that I am aware of. Some banks even refuse to give the interest for non working days. I only ask for big amt FD.  Best is banks like CB, BR, UOB where they adjust maturity date to next working day. Then we are getting the FD rates that we signed up for.  |
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Dec 27 2016, 04:20 PM
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Junior Member
47 posts Joined: Jun 2005 
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QUOTE(Deal Hunter @ Dec 21 2016, 09:49 PM) FDs with monthly payment of interest into savings account - all for 12 months over the counter placement. Just verified with my RM, the OCBC 4% is just for new customer. Bank - Rate % - Minimum K - End - Comment Rakyat - 3.95 - 5 - 31 Dec 2016 - if less than 5k, interest paid on maturity date OCBC - 4.00 -10 - 31 Dec 2016 - (4.10 % according to reception) Alliance - 4.05 - 50 -31 Mar 2017 - 40 yrs old MBSB - 4.10 - 100 - ufn (until further notice) Maybank - 4.10 -10 - 15 Feb 2017 - step-up effective rate (QUOTA FULL check next month according to reception)  REVISED Thursday 22 Dec 2016  |
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Dec 27 2016, 05:44 PM
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Junior Member
636 posts Joined: Jul 2012
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QUOTE(bbgoat @ Dec 27 2016, 01:12 PM) Based on my experience with few banks, most used the board rate. One of them seem to use the last rate on maturity as I calculated the add'l interest given which is more than the board rate. Anyway we have to ask to get this though some banks may not entertain it. QUOTE(starry @ Dec 27 2016, 01:19 PM) From my experience so far HSBC and HLB systems auto-calculate the weekend interest based on promo rate. There's no standard guideline from BNM regarding this? my experience with one PB branch is they use board rate for the weekend interest calculation.. but you have to withdraw on the 1st day after the weekend/public holiday to be entitle for the weekend interests. |
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Dec 27 2016, 05:47 PM
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Junior Member
20 posts Joined: Oct 2014
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QUOTE(bbgoat @ Dec 27 2016, 10:10 AM) RHB deal need min 50k. If not bothered about PIDM, can go for MBSB, min 50k, 6 mth 4.15%. Hi bbgoat, may I know where do u see this MBSB offer? (4.15% for 6mths, 4.2% for 9mths)I am planning to nego with MBSB on 9 mth 4.2% or higher. From the official website, I cant find any eh... Thank you. |
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Dec 27 2016, 05:57 PM
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Senior Member
6,614 posts Joined: Mar 2011
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QUOTE(SingKer @ Dec 27 2016, 05:47 PM) Hi bbgoat, may I know where do u see this MBSB offer? (4.15% for 6mths, 4.2% for 9mths) It is nego rate. This was posted by guy3288 on around 21/12 in previous FD thread:From the official website, I cant find any eh... Thank you. "MBSB negotiated rate 4.15% 6month min 50k, 4.2% 9 month min 200k" However better to call them to confirm as sometimes nego rate may close soon. I plan to call them either Wed or Thursday. |
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Dec 27 2016, 08:10 PM
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Senior Member
6,614 posts Joined: Mar 2011
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QUOTE(owodog91 @ Dec 27 2016, 09:52 AM) actually cam go for RHB 4.1% for 6 month... no need go for GIA QUOTE(bbgoat @ Dec 27 2016, 10:10 AM) RHB deal need min 50k. If not bothered about PIDM, can go for MBSB, min 50k, 6 mth 4.15%. Just received info that RHB 4.1% 6 mth FD no more. Quota filled last week. I am planning to nego with MBSB on 9 mth 4.2% or higher. |
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Dec 28 2016, 07:15 AM
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Junior Member
60 posts Joined: Feb 2016
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Affin Bank combo FD still available now?
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Dec 28 2016, 09:22 AM
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Junior Member
80 posts Joined: Feb 2012
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My FD will be matured tmr...sound like very less promotion fd now..
HL and RHB all end d...headache |
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Dec 28 2016, 12:25 PM
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Junior Member
114 posts Joined: Sep 2013
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FOR MAXIS ONE CLUB MEMBER !!!
just done my FD @ HONG LEONG BANK FOR 4.2% FOR 6 MONTH you have to go ask the counter staff to check w the manager , most of the staff unaware since this one is for the MAXIS ONE club member till 31/12/2016 have to place it over the counter ( u cant do it online ) so please remind the staff to check w their manager if not they will just say no promo like this |
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Dec 28 2016, 12:34 PM
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Senior Member
1,205 posts Joined: Aug 2014
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Anyone of you know whether CIMBClicks FD can be uplifted on the day of maturity plus interest?
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Dec 28 2016, 01:30 PM
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Senior Member
942 posts Joined: Jan 2003 From: KL
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QUOTE(tomry @ Dec 28 2016, 12:25 PM) FOR MAXIS ONE CLUB MEMBER !!! talk to staff counterjust done my FD @ HONG LEONG BANK FOR 4.2% FOR 6 MONTH you have to go ask the counter staff to check w the manager , most of the staff unaware since this one is for the MAXIS ONE club member till 31/12/2016 have to place it over the counter ( u cant do it online ) so please remind the staff to check w their manager if not they will just say no promo like this say must do online apparently they just don't bother anyhow move over to other bank |
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Dec 28 2016, 01:34 PM
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All Stars
17,494 posts Joined: Feb 2006 From: KL
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QUOTE(soulmad @ Dec 28 2016, 01:30 PM) talk to staff counter say must do online apparently they just don't bother anyhow move over to other bank should take out your phone and ask them do it online there and then for u |
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Dec 28 2016, 03:25 PM
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Junior Member
114 posts Joined: Sep 2013
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QUOTE(soulmad @ Dec 28 2016, 01:30 PM) talk to staff counter ya i understand your feeling , i went there ask for 3 times already and i insist cant be done online and must do over the counter. i ask the frontdesk staff to check with the branch manager then only they willing to ask the senior and confirm with me that can do over the counter. say must do online apparently they just don't bother anyhow move over to other bank ( fortunately the bank is just walking distance from my house) |
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Dec 28 2016, 05:16 PM
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Senior Member
743 posts Joined: May 2014
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QUOTE(filage @ Dec 28 2016, 12:34 PM) Anyone of you know whether CIMBClicks FD can be uplifted on the day of maturity plus interest? Yes, viable for CIMB. |
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Dec 28 2016, 05:16 PM
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Senior Member
6,462 posts Joined: Nov 2004 From: [Latitude-N3°9'25"] [Longitude-E101°42'45"]
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QUOTE(tomry @ Dec 28 2016, 12:25 PM) FOR MAXIS ONE CLUB MEMBER !!! I went to KL HLB Jalan Perak (HQ ?), mention FD Maxis One Club ... the CS already know it. just done my FD @ HONG LEONG BANK FOR 4.2% FOR 6 MONTH you have to go ask the counter staff to check w the manager , most of the staff unaware since this one is for the MAXIS ONE club member till 31/12/2016 have to place it over the counter ( u cant do it online ) so please remind the staff to check w their manager if not they will just say no promo like this It requires branch FD account, and not online or e-FD, the one where you do the FPX 4.15% earlier.  |
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Dec 28 2016, 06:30 PM
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Junior Member
104 posts Joined: Sep 2013
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For Maybank GIA-i, is there any charges for premature withdrawal ?
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Dec 28 2016, 06:36 PM
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Senior Member
6,614 posts Joined: Mar 2011
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Just now did a placement for MBB GIA i. Intentionally chose 12 mth. Later checked the interest rate, saw 3.6% and hovered on the "i", showed the step-up rate.
Anyway have no intention of keeping it for 12 mths. Just to try out what many has said in this forum. It looks like the promo rate still ongoing. |
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Dec 28 2016, 07:46 PM
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Junior Member
20 posts Joined: Oct 2014
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I just try to make placement to try the 12mths tenure but then don't have the advertised rate of 4.1% anymore.
But then, now how to online uplift the GIA-i placement? I tried and it said: System unavailable Account is not authorised. Reject code: [0076] Any one know what happens? Is it possible to uplift immediately after placement? Is it need to go branch to uplift or something? Please advise.. thank youu |
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Dec 28 2016, 07:48 PM
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Junior Member
20 posts Joined: Oct 2014
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QUOTE(bbgoat @ Dec 28 2016, 06:36 PM) Just now did a placement for MBB GIA i. Intentionally chose 12 mth. Later checked the interest rate, saw 3.6% and hovered on the "i", showed the step-up rate. Hi bbgoat, why you can have the 12months GIA-i rate, while I can't? Sob sob...please helpAnyway have no intention of keeping it for 12 mths. Just to try out what many has said in this forum. It looks like the promo rate still ongoing. |
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Dec 28 2016, 07:56 PM
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Senior Member
6,419 posts Joined: Jun 2005
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QUOTE(SingKer @ Dec 28 2016, 07:46 PM) I just try to make placement to try the 12mths tenure but then don't have the advertised rate of 4.1% anymore. Uplift can only did next day, u can't place and uplift on the same dayBut then, now how to online uplift the GIA-i placement? I tried and it said: System unavailable Account is not authorised. Reject code: [0076] Any one know what happens? Is it possible to uplift immediately after placement? Is it need to go branch to uplift or something? Please advise.. thank youu |
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