for the same kind of FD , they wont.

you are talking about a different kind of FD, the promo kind.

oh btw, if your mum knows how much money is that she would put herself on a silver plate and deliver herself to me.

i am not the one calling others ignorant 

your confusing rights and obligation. sir.

err you dont get it

Everyone has the right to be rude, but not the obligation. Just like options.    Most people dont because they want to play nice with others.
That reference actually wasnt an insult. I mean, its not even a foul word with derogatory connotation. You can read through my post, i didnt use a single foul word. 

Yep. 12 mths promo rates is always higher than 5 years board rates. Seriously, utter nonsense.

Mod please clean up thread. Those who want to fight please start thread in Kopitiam.

anybody won the contest by HLISB for TIA? i got extra bonus from them for winning it..... yeah!
the blender from them also looks good!

whatever app u use, u need an internet connection.

what i read n understand so far...

.. proprietory bank apps are definitely more secure than normal websites.
.. mobile phone apps are most secure if u use wifi at yr own home as the router has encryption giving a second layer of protection.
.. mobile phone apps using telco line when outside may not be so secure as hackers have known to have hacked them too.
.. mobile phone apps least secure if used with public wifi, hotspots.
.. desktops are secure if using home connect, own router.

pls correct me if u have latest findings...

4.484% is the rate you get if you assume that you invest for 1 year at the rates for the 3 month period. This may or may not be true as the product is for 3 months. Why calculate an annual rate if the rate is based on uncertainty? So I would not rely on an annualised rate in this case

Yesterday received a call from OCBC. They have a very interesting promotion (if it can be called that).

FREE credit card, no income documents needed. All you need to do is place FD minimum of RM 3,500 for 12 months. Their FD rate is 3%. The Credit Limit of the Card will mirror your FD placement. So if you place 100k, you get 100k credit limit.

It's interesting for those who are retired/unable or unwilling to furnish income documentation proof (perhaps hawkers/traders) and need a credit card but for the others who are not in this category, it's a hard pass.

Bro, what's the difference with this eFD? Rate is 0.5% higher than eFRIA-i

https://www.cimb.com.my/en/personal/promoti...t-campaign.html

6m is good. by may, all shud be stable, can decide if longer periods then.
if it makes sense... u may want to uplift this 3.70%, place again at 3.75%!

i gave up 1 month of previous 3.05%, go for this 3.75% 6m - better overall for next 5 months.

these changes r only possible with online transactions... if OTC, tak pakai... too much work, travel, waiting, petrol, parking...

Is there no penalty for uplifting early for eFD?

Do we only forgo the interest if we uplift early?

thanks. tried both this and the fria but both doesn't let me to proceed. when i click confirm, it just says something like an error message.
will try again tmrw and lose a couple of ringgit.

bingo! i have always choose add to account instead of principal....
maybe no choice and will do that and manually uplift it when the times comes.

Tried to do MBB FD and funds deducted from my FPX bank but not reflected in MBB! Always got problem with MBB

Continuing with the MBB saga I spoke to their customer service dept again today and they said it is not their fault but lies with the FPX system and i should monitor for a credit back to my bank account. IMHO I fail to agree as FPX seems to fail only with MBB promos

You: Take Mai moneh!
MBB: We don't want your moneh! Take it back!

🤣

Presently, as one person said "gone with the wind"

I am quite shocked Maybank is like this to be honest. Always though they were the gold-standard for Malaysian banking.

I also have Affin Bank account. Any feedback about their latest promo? 4 mths @ 3.85%.