looking for partner to go in together to get the additional 1%... anyone keen?

must potong wan u know?
aiya  open a saving account la... bring  driving licence ,get ready utility bill.....
more FDs to do next time easy.

no saving book , only debit card my case.....
open account take some time but  not so bad la, citibank is the worst
name only citigold , OS is citi loris!
BI SA very useful, highest transfer limit
FPX RM500k a day.

Best  for SSPN prime transfer and withdrawal.

Yep. 500k x 2. But only for 3 mths I think.

Waiting for RHB announcement tommorow.

HLB also very quiet. For the better part of last year, I think they have the highest promo around...

If less than 1 month, still ok kua if premature uplift from MBSB ti BIMB....

Had to do the same for one UOB FD ... 3 weeks in... uplift to BI last week.. low % for that one from UOB. Doing 6 months for now

Dont  remove PBB FD at the end  you get RM4950 interest, using RM100k example.

Remove that and put in BI @4.4%, end interest is RM6600, how much extra there?

Premature WD that PBB  you lose 2 months interest around RM550, so worth it or not you decide.

[attachmentid=11337586]

Ambank new promo

since you have affin login, you can already try yourself to see how it works
draw from affin casa, not fpx:

Affin bank new rates

Just happen to look see look see on all bank...
Below are the link for these Banks. Good luck

CIMB FD - https://www.cimb.com.my/en/personal/promoti...fd-efria-i.html
PBE FD - https://www.pbebank.com/pdf/Promotions/en/efdfpxntnc.aspx
HLB FD - https://www.hlb.com.my/en/personal-banking/...fd-i-promo.html

CIMB - Minimum RM1k
eFD/eFRIA-i Tenure Campaign Rates (% p.a.) before 3 April 2023 New Campaign Rates (% p.a.) effective 3 April 2023 Minimum Deposit Placement Amount
Three (3) Months 3.58% p.a. 3.58% p.a. RM1,000
Eight (8) Months 3.98% p.a. 3.98% p.a. RM1,000
Twelve (12) Months 4.20% p.a. 4.05% p.a. RM1,000

PBE - Minimum RM5k
Tenure Promotional Interest Rates (% p.a.)

3-Month 3.65
6-Month 3.90
9-Month 3.95
12-Month 4.05

HLB - Minimum RM10K

Rize 4%

the only one that openly rejected my request for non-fee BSA is ambank so far 🙄

i have non fee bsa witb atm card with cimb, pbe, bi, rhb

Just sharing. Bank Islam certificate do state the amount of interest you will earn.

Also for those free atm non charging basic accounts, yes all banks need to provide one. But so far some banks refuse to let me apply for the promo FD, AMBank being one of them. But they waive the first year, I guess I will just pay for the next year until I can terminate the FD.

For RHB and Public Bank, despite me getting non fee basic account they still charge me annual fee of rm8. Public bank eventually waived it off and RHB supposed to waive but no news. I will have to check next year if they charge me again this annual fee. Oh Bank Islam one is also chargeable... but they waive off the first year too.

So it is true, a lot of staff either don't know or bank instructed them to open fee based.

There are two kind of Public Bank Basic Saving Account. The one without charge on ATM only can withdraw up to 4 times per month. The one with charge is unlimited. Do you inform the bank when you open the account clearly? Else they just put you the one with charge.

Side note. I have one MBSB 6 mth auto renewed today...still 4.25%.

Yes. Can terminate FD online to SA. Then if <50k, can just xfer out without need to go to branch. Or do 2 times in 2 days if <100k. 

Deposit RM 3000 every month (no ear mark) + spend money at least RM 1000 every month with AM Bank credit card,
then can get effective rate 4.87%.

I will apply Am Bank VISA infinite to achieve 4.87%