Affin Bank has one of the worst bank account opening procedures....open a saving account need to fill up so many pages of form. I transfer money out of the country also no need so many forms.

Currently HLB has the best offer curently at 2.4%. Previously bout one two months ago AmBank has very high rates at up to 2.7% for 18 mths. MBB is the worst, i just have it for the current account. I would say HLB, RHB has the highest rates usually while PBB have the 2.2%@ 3mths offer seems to be all year round. lol. Other banks depends on offer lor.

Just curious...is everybody active in this thread > 50 yrs old? Lol.

Lol. I thought young guys wouldn't be bothered with boring low interests FD.

What is this Invikta account? I have FD with Affin maturing this month. And now with Selngor moving to Phase 2, i can go to KL Bank Muamalat to open account if needed...but is this Mualamat Jalat like Affin and RHB?

So far, most staff in bank are friendly...just some inefficient....CIMB even managed to open the wrong type of account for me. Really KNS.

Thing i don't like about BR is there is no PIDM protection. Can you do FPX out from this bank? Later put in money, need to go bank to take out money.......i do everything online nowadays...FPX from this bank to that bank, whereever got promo. Stay at home, click click, place FD, watch Netflix.

Always check this website every month for best and latest promo.

https://loanstreet.com.my/learning-centre/b...-deposit-promos

Currently HLB has best offer.

Easy mah, transfer out , and FPX back. I always do that. Just need to wash money with other bank and then come back nice, fresh and clean. 😄

Can place eFD already cukur...don't expect much from these banks in terms of services.

PBB got 20k limit to FPX out daily..so if you want to FPX to other bank, bear this in mind. I don't put more than RM20k eFD per day in PBB...so easy to FPX to other banks if i needed to when it matures.
MBB has the highest transfer limit so far (DuitNow) and can be up to 100k if i am not wrong.

From Maybank to PBB, you using Maybank FPX limit. Maybank have much higher limit. I can't remember if it's 50k or 100k. But theDuitBow transfer limit is 100k for Maybank.

FPX limit is when you want to do eFD to another bank.
Duit now transfer limit is just transfer,not eFD.

So these are the difference.

Why there are so many limits? Because banks don't want you to take your cash and runs to another bank and tries to make your life miserable. by making it hard to place eFD elsewhere.

Banks with higher transfer/FPX Limit ae Maybank and CIMB. Ambank has high transfer limit, but not sure the FPX limit.

RHB is the worst. You literally can't do any FPX using the web browser and must do it with mobile app (web browser limit for FPX and js RM 9,999.99 no joking). Basically forget using web browser to transfer money if you are using RHB. Really Horrible Bank!

Oh yeah, Duit Now got two types, one is for directly to the person via IC or something, which I feels very insercured and I usually disable or set the limit to zero. The other Duit Now is to bank account (formerly known as Instant Transfer). And then there is Interbank Giro transfer which nobody use now because it's slow to clear and also charge you money for transfer.

Are you confused yet? Lol.

Wah...better hide your money in hidden accounts bro....
As for the maybank limit u saw...i believe the first one is the typical DuitNow which can transfer money to anybody by IC or name. If you have no use for this, set the limit to 0. It's very insecured. Scammers who have accessed to your account(touch wood) at least will have a harder time to transfer money and only can transfer to other bank accounts....

Today got some FD matured at Affin, i transfered some to Ambank. So i am going to do a review.

First time eFD oout from afiin. I expected lots of problems. As expected encountered some problems:

1) I use webbrowser to do the eFD, after confirmed at Affin website, it supposely triggers the Affin Secure App on your mobile to reject.

2) First time, failed limit, so login to Affin to update my transfer limit. Good news is the FPX limit can be quite high, i set it to RM50k no issue. Some banks like Public only allows RM20k or worse like RHB...transfer don't even work unless its < RM10k. Maybe can set the limit higher. FPX never works in RHB. They simply force you not to transfer FPX out. No kidding.

3) The trigger doesn't happens first time, subsequent time, i disable my WIFI and use only 4G, sometimes, i finds this works better for Bank notifications.

4) The Affin Secure will asked me a PIN. I totally forgot what PIN and key in my Debit Card PIN no....there is another PIN for Affin Secure when i registered. Failed a few times due to this. Most other bank apps can recognized my fingerprint on login and there is no need to key in any PIN like zaman batu.

5) Now another problem. You only have 2 freaking minutes from clicking confirm to waiting for notification, open affin secure, click approve and key in PIN no. It's really too little time for so many steps, especially the waiting part can be pretty long.

6) I almost wants to give up and just do DuitNow instant transfer money to Maybank and FPX from there....but i persist and finally managed to do it. This Affin bank probably has the 2nd worst system i have used since RHB. It wins over RHB because at least it worked! But points for higher FPX transfer limit compared to banks like PBB, Ambank and OCBC which has around RM20k to RM30K transfer limit if i am not wrong.

User Experience Score: 2/5

This post has been edited by c64: Sep 21 2021, 11:03 PM

Why not just write down all the login and password in a book and in case anything happens, let your family knows where the book is. I need to write them down anyway since i can't remember all of it.

Never keep your login id and passwords digitally.

May i know which bank?

This post has been edited by c64: Sep 23 2021, 02:04 PM

This is true...i have experienced. Move out all FDs(joint name) before submitting any probate letter. Only small money left in current/saving accounts, which can be done immediately.

Guys. Don't quite understands this TIA. Is the Bank Mualamat promo is TIA? I have just opened an account, maybe will do some eFD next month when some FDs matured.

Thanks for your detail explanation! Yeah, I am doing something like that to counter the RM30k limit of most banks. Public Bank even worse, only max 20k for FPX transfer. Although nothing beats RHB RM 9,999.99.

This post has been edited by c64: Sep 30 2021, 04:51 PM

You transfer FPX? 9999.99? Very leceh how to make FDs like that. But Fyi, you can use their mobile app can Duit Now instant transfer up to 50k per transaction or more. I have only tried 50k so far, not sure what is upper limit. But must be done from mobile app.

This post has been edited by c64: Sep 30 2021, 05:38 PM

Hmm, did u setup the secure device thingy? If u use mobile app, when you confirm.to transfer > 10k, then the screen will pop up for ubto approve. I use Duit Now to transfer to other banks and FPX from there, done a number of times already.