https://www.pbebank.com/Personal-Banking/Pr...ers-Reward.aspx

Hi all... the above promo is not fixed deposit right? When I read the T&C ... looks like only savings account or current account... in that case put in FD more worth right ?

clarification..eFD can do online banking right? because you type MBB Ayer Itam, so i am wondering if that is only for OTC rate, need to go to MBB Ayer Itam.

Thanks.

for CIMB unfixed, anyone tried to withdraw partial amount before? need to wait 3 months right before you can withdraw the partial amount. What is the minimum balance we need to leave in the FD? tq tq

for BR, they allow partial withdrawal or once you put, you need to put it for 5 years straight? someone brought up a good point...this is actually higher than housing loan interest...but just in case if house loan interest BR goes up...then still need to withdraw from FD and put into home loan...

but if we need to keep for 5 years with no withdrawal allowed...then really depends on luck if BR will go up or not...

hmmm...i can see my housing loan now is charging me 3.9% interest....so FD can get up till 4.8% already...i guess it makes sense now not to make extra payment for home loan and just put in FD instead better...

errmm...it doesn't matter...

if you have 1mil loan with 3.9% interest

and if you have extra RM200k to put into the loan...i will still put the 200k in FD to earn higher interest rate...
so the answer for me is no, should not prioritize to settle the loan first if the FD rate is higher than loan...regardless of the amount...

same thing happen for HSBC too... nowadays i think the bank workers kinda suck...expose number of clients

can i transfer money out from Maybank to say...other banks..then transfer back in to Maybank...will that work? or they can detect out and in the same amount?

any maybank user here? FD placement/uplift all slow and got issue...wonder what's wrong today...

hmm...so today uplifted FD...transfer out to other bank...the amount kena hold and Maybank call to verify..somemore ask if got LHDN or police force me to transfer...wah..now they really help to check scam cases...

but my worry now is...tomorrow i transfer back...how? later kena flag and account kena issue...

Any further inputs here? Or wait a few days?

Guys...just FYI to you all...i tried to transfer money out from bank A to bank B and then back to bank A...to qualify as 'fresh' fund for FD placement...

looks like now bank is implementing additional steps to protect scam victim because they will block the transaction and you need to contact the bank or in bank A case, they will call you quite fast to ask if you really do the transaction, did anyone pressure you to transfer money etc.

on one hand, i feel this is a good initiative to prevent online scam...but now it will make those who want to transfer large sum amount a bit hassle... but i think it is better also to prevent scam...

CIMB got good promo but the website FD placement is disabled until end of month....woooot....

https://www.cimb.com.my/en/personal/promoti...fd-efria-i.html

dayumm....they removed it! it was like 6 or 7 months...at 3.9% or 3.8% rate...

someone just triggered me about foreign FD... anyone here got comments about foreign FD? since put in USD so nice right...easily more than 5%...can consider leh...

anyone tried using Maybank2U for the fixed deposit campaign? tried to make placement but it says service not available now

Update: problem fixed. i need to go Maybank open eFD islamic account first and transfer from my own Maybank savings account. After that can do FPX eFD placement already.

This post has been edited by kevyeoh: Mar 1 2024, 10:59 AM

anyone tried placing FD at Maybank2U? been getting errors for the promotion rates...

https://www.maybank2u.com.my/maybank2u/mala...IxoCxcIQAvD_BwE