Welcome Guest ( Log In | Register )

Outline · [ Standard ] · Linear+

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

views
     
X_hunter
post May 6 2019, 05:48 PM

Getting Started
**
Junior Member
135 posts

Joined: Aug 2014
.

This post has been edited by X_hunter: Jun 30 2020, 02:44 PM
X_hunter
post May 6 2019, 05:53 PM

Getting Started
**
Junior Member
135 posts

Joined: Aug 2014
.

This post has been edited by X_hunter: Jun 30 2020, 03:15 PM
X_hunter
post May 7 2019, 01:55 PM

Getting Started
**
Junior Member
135 posts

Joined: Aug 2014
.

This post has been edited by X_hunter: Jun 30 2020, 02:34 PM
X_hunter
post May 8 2019, 09:46 AM

Getting Started
**
Junior Member
135 posts

Joined: Aug 2014
.

This post has been edited by X_hunter: Jun 30 2020, 03:15 PM
X_hunter
post May 16 2023, 06:15 PM

Getting Started
**
Junior Member
135 posts

Joined: Aug 2014
QUOTE(nexona88 @ May 16 2023, 04:32 PM)
cash or bankers cheque...

because they want Fresh Funds only....

deduct directly from other bank savings account? how to do that?? never heard of this kind of services before....

unless u already have bank islam SA... then can ask the others bank to RENTAS or Transfer to bank Islam SA  tongue.gif
*
Bro, do you know how much does banker cheque cost for UOB bank? All bank banker cheque cost the same or depends on bank? Rentas is Rm5, but for banker cheque I canโ€™t seem to find the info on UOB website. Btw, anyone know how much is UOB FD rate now ya?
X_hunter
post May 16 2023, 07:51 PM

Getting Started
**
Junior Member
135 posts

Joined: Aug 2014
QUOTE(SunBear1999 @ May 16 2023, 06:26 PM)
๐Ÿฆ*LATEST MAY FD Promo*

*(Effective 8 May 2023)*

*Conventional FD
๐Ÿ’œ6 months : 3.80%pa
๐Ÿ’œ12 months : 4.00% pa

*strictly for Fresh funds only*
*min deposit amount: RM10k; max deposit amount: RM5mil
*
Thank you for the info.

QUOTE(nexona88 @ May 16 2023, 06:29 PM)
not sure the fee... different banks by banks I think....

u needed to ask UOB...
*
Alright, thank you!

X_hunter
post May 18 2023, 03:20 PM

Getting Started
**
Junior Member
135 posts

Joined: Aug 2014
QUOTE(sirius2017 @ May 18 2023, 03:08 PM)
I had just placed BI 12mth 4.5% fd.
Placement date today, 18/5/2023
Maturity date is 20/5/2024 as 18/5/2024 which is a Saturday.

Expected profit(int) is calculated as Placement Amount x 4.5% x 368/365

I had verified calculated profit/int amount printed on the FD cert to be exactly correct.
Extra 3 days is because of Sat & Sun and the fact 2024 is a leap year (29Feb, so another additional day)

Since, this is a OTC placement with certificate, I did asked the teller whether I can redeem this FD at another BI branch on maturity. She say can, redemption can be at another branch, need to bring along the cert.
However, she did mentioned that I can redeem on maturity ONLINE if I choose to.
*
Hi,

May I know how long does it take for the whole process?
X_hunter
post May 22 2023, 03:23 PM

Getting Started
**
Junior Member
135 posts

Joined: Aug 2014
[quote=SunBear1999,May 22 2023, 02:58 PM]
[quote=nexona88,May 22 2023, 02:55 PM]Damn fast & efficient ๐Ÿ’ช

Normally I heard Bank Islam slow.... Need at least 1 hours... Got some weird SOP too... Need some CS to double sign & certified something....
*

[/quot
I place FD only, didnโ€™t open saving account there.
*

[/quote]

You already have saving account there before you place FD?
X_hunter
post May 22 2023, 04:26 PM

Getting Started
**
Junior Member
135 posts

Joined: Aug 2014
QUOTE(SunBear1999 @ May 22 2023, 03:34 PM)
I donโ€™t have saving account with Bank Islam. This is my first time visit this bank.
*
don't have SA can place FD? I thought must open SA only can? Because I went today but their system got problem so can't do anything.
X_hunter
post May 22 2023, 04:38 PM

Getting Started
**
Junior Member
135 posts

Joined: Aug 2014
QUOTE(Human Nature @ May 22 2023, 04:28 PM)
Can
*
Aiks. The staff never informed me also. I went there today, they told me system offline coz got problem. I thought whole BI system got problem. But seeing a few forummers here managed to place the FD today, seems like only that particular branch got problem. If no need open SA it's the best. I'll try walk in again tomorrow then shakehead.gif
X_hunter
post May 22 2023, 05:19 PM

Getting Started
**
Junior Member
135 posts

Joined: Aug 2014
QUOTE(thirumaran @ May 22 2023, 05:10 PM)
I was told not necessary to open savings for fd tenure less than 12 months (I placed for 6 mths without savings account)
*
I'm going for the 12 mths @ 4.5% FD
X_hunter
post Jun 8 2023, 11:13 AM

Getting Started
**
Junior Member
135 posts

Joined: Aug 2014
QUOTE(hedfi @ Jun 7 2023, 08:56 PM)
Same with mine, opened SA online yesterday, everything ok until transfer $ and failed but money out from UOB.. Went to check with UOB, UOB said just cleared today but still haven't appear in BI yet, gotta go UOB again tomorrow. Not too worried as have such experience before, money in the air ๐Ÿ˜ 
*
You transfer from UOB to BI saving account via instant transfer/duit now? My experience is, I went to BI to open saving account, then on the spot the officer asked me to transfer RM100 to deposit into the SA. I use the instant transfer and it was okay.
X_hunter
post Jun 8 2023, 05:05 PM

Getting Started
**
Junior Member
135 posts

Joined: Aug 2014
QUOTE(hedfi @ Jun 8 2023, 02:52 PM)
I open account online and suppose to fund it, which I did but next day went BI, money elek, had to deposit another 100 for account opening. The 1k still hanging somewhere, UOB said paid to BI, BI said tadak - how? It can be found but leceh gotta keep checking
*
Aiyo. Once my FD at UOB matured next week, I also plan to tranfer the fund to my BI saving account, then go BI to place the FD.
Hopefully no issue la by then.
X_hunter
post Jun 13 2023, 10:28 AM

Getting Started
**
Junior Member
135 posts

Joined: Aug 2014
QUOTE(sirius2017 @ Jun 12 2023, 04:52 PM)
Yes, you can view.
*
After I opened basic SA with Bank Islam, the officer asked me to register internet banking and also their GO by Bank Islam app. I also received SMS twice to activate online banking and app. I have already registered the online banking. But for GO app, I didn't install it because I see the reviews is very bad. Did you use the GO app?
X_hunter
post Jun 13 2023, 11:34 AM

Getting Started
**
Junior Member
135 posts

Joined: Aug 2014
QUOTE(sirius2017 @ Jun 13 2023, 11:08 AM)
I do have the Bank Islam Go mobile app. Hardly use as I prefer to use desktop to access the bank website for performing online transactions.
However, I will need the GO app for the GO secure feature to approve transactions, maintenance such as change limits etc. 

Most bank now no longer use SMS OTP, need mobile device linked to the account for transaction signing such as approval for fund transfer etc.
https://www.bankislam.com/personal-banking/...ices/go-secure/
*
Alright. In that case, I think I won't need it because Bank Islam is purely for me to place FD. Won't have transaction in and out. Thank you!
X_hunter
post Jun 13 2023, 05:05 PM

Getting Started
**
Junior Member
135 posts

Joined: Aug 2014
QUOTE(lim2568 @ Jun 13 2023, 04:54 PM)
Hi, do you need BI debit card or credit card to register internet banking?
*
Hi, I did opened a basic saving account with debit card. Then only registered online banking. I am not sure whether the debit card is compulsory or not to register online banking.
X_hunter
post Jun 14 2023, 02:03 PM

Getting Started
**
Junior Member
135 posts

Joined: Aug 2014
QUOTE(scorgio @ Jun 14 2023, 12:06 PM)
The branch u went let u off with a basic saving a/c?

The branch I went asked me to open a Al-Awfar, which is not protected by PIDM.
*
Yup. I just informed the staff that I want to open a basic saving account just for FD purpose. Straight away helped me process already.
X_hunter
post Jun 14 2023, 11:25 PM

Getting Started
**
Junior Member
135 posts

Joined: Aug 2014
QUOTE(weidasdnbhd @ Jun 14 2023, 06:40 PM)
Hi,

Do you pay for debit card linked with BSA? Any annual fee?
*
Nope, no charges. I told the staff I want the most basic one, without charges.

X_hunter
post Jun 15 2023, 10:11 AM

Getting Started
**
Junior Member
135 posts

Joined: Aug 2014
QUOTE(sweetpea123 @ Jun 15 2023, 05:59 AM)
actually is it even COMPULSORY to open a savings acc for this promo? Sien, need to keep track of another account.
*

Based on what some forumer here said, it is not compulsory. But in order to have internet banking, must open SA I guess. Plus, if you have SA, only you can Rentas/ transfer fund from another bank account. Unless you are using cheque, then I think can open FD without opening SA.
X_hunter
post Jun 15 2023, 02:31 PM

Getting Started
**
Junior Member
135 posts

Joined: Aug 2014
QUOTE(download88 @ Jun 15 2023, 01:46 PM)
even card issuance also no charge? was thinking to open a BSA as well
*
Mine no charges. Basic SA with a debit card. You inform the staff you want the most basic SA w/o any charges. Just for FD purpose.

2 Pages  1 2 >Top
 

Change to:
| Lo-Fi Version
0.7789sec    0.58    7 queries    GZIP Disabled
Time is now: 22nd December 2025 - 12:11 AM