Called J.Tengah general line this morning was told 4.38% for tomorrow only, other days 4.35% until end August.

Went to UOB Taipan today to open eAccount, asked the officer about it and he said following Sat (25th Aug) Taipan branch will have similar offer.

Pros: PIDM, can do partial withdrawal by 1000s (need to do over the counter) and the untouched amount still enjoy 4.3%

If you really sure won't touch then can fish for slightly higher rates from other banks (e.g. Bank Rakyat 11 months 4.5%, MOF insured instead of PIDM)

Then CIMB it is (4.3% is still a pretty sweet deal), it's their hard earned money and it allows them to sleep better at night.

Same with my mom, she feels more comfortable with PIDM insured banks.

This post has been edited by roarus: Aug 22 2018, 08:55 PM

Less than an hour if you already have CIMB savings account with the amount already sitting in there? Just make sure the money has been sitting less than 3 business days with CIMB as per their fresh fund T&C https://www.cimbbank.com.my/content/dam/cim...nv-2018-ENG.pdf

It's still on until end of Sep 2018 https://www.cimbbank.com.my/en/personal/pro...sit-latest.html

Tenure 12 months
4.3% until end of Aug 2018 - source: UOB Jalan Tengah general line via phone call
4.38% this Saturday 10am-2pm only at UOB Taipan - source: UOB Taipan branch staff via phone call

CIMB Unfixed Deposit? Mind to share if dividend is paid monthly or end of tenure? Considering this, thanks

Ok thanks, reason I asked because the UOB FD promo I got pays out monthly - was hoping to do some interest on interest thing

I got mine during Sat promo at Taipan branch, the chilled dude didn't even try to sway me to other product. Normally they won't try if you display some knowledge in DIY investing I guess.

Additional info from UOB Bangsar branch (placed today 10mth @ 4.35%):

FD Plus - interest paid monthly
FD Islamic - interest paid end of tenure
Bangsar UOB branch opened every Sat this month with promo OTC 4.33% 12 months
Fresh funds definition for UOB - transferred in within 7 business days

Updated today: 4.4% 1 Oct - 31 Dec 2018

CIMB Unfixed Deposit

Note: The webpage is wrong, showing 1 Oct - 31 Sep, but the T&C states 31 Dec and should be correct

In case CIMB insist you need an account (like how UOB insist for my FD), open a Basic Savings Account 1 (without annual fee) then do instant transfer. Just need to park RM20 there with no annual debit card fee.

Depending on your amount and source bank account transfer limits - cheque/rentas (over the counter only) might be the way to get all your funds through within 3 business days which CIMB counts as fresh fund.

Really? Was told only islamic FD pays interest on maturity. 4.3% non islamic interest can pay out monthly.

Source: UOB Bangsar @ 1 Oct (Mon)

I did, banker initially offered either with annual fee debit card or passbook at first. Then I showed him this page from UOB Malaysia, he made a call to verify and said ok to proceed. But he could be inexperienced as the following time I placed another FD, I was told some of my personal info were recorded incorrectly.

From what I understand, all banks under 'PIDM protection group' (not sure the correct term - commercial bank?) is obligated to to offer BSA without debit card fee (with limited free transactions before charges) as stated by BNM. Only Bank Rakyat I see is a little different due to it being a co-op bank.

You should give UOB another try and have the page ready on your phone, not many banks offer monthly interest for FD - which you can then place elsewhere for interest on interest effect.

Yes can, between 9am - 9pm. Will show up in your UOB online account summary

From internet banking I'm able to click the button and select which account I want to uplift

Banker told me can uplift as well when the FD was placed, guess I'll try it out the uplifting when it matures or if any better offer from other bank that fits my criteria comes up

Interest upon maturity for Islamic FD, while Non-Islamic FD they give monthly interest

Awesome, first one works - in case anyone tried to copy paste instead of clicking link, the link shortens the address with "...", that's why it doesn't work

Use this if copy paste:


This post has been edited by roarus: Oct 29 2018, 03:46 PM

Your link rosak, probably due to copy paste - notice the "..." before "FdPlacement" word

Proper link click here:
CIMB eFD 4.5%

For copy paste:

RM0.00 UOB Taipan: Enjoy FD promo rate of 4.28%pa (12months) min RM10k new funds. Visit us on Thursday, 15/11/18 9.30am-4pm. Call 03-55652000 for info.T&C apply

Got this via SMS earlier today

Additional info: Sample effective rate from HLB's T&C below

In summary for capital less than RM3mil and less hassle go for CIMB's 4.5%

This post has been edited by roarus: Nov 29 2018, 08:04 PM

Enjoy FD-i promo rate of 4.35%pa (10months) min RM10k new funds. Visit us on Saturday 15/12/18 10am-2pm. Call 03-55652000 for info. T&C apply

Taipan UOB special Sat (15 Dec) promo - Islamic FD 4.35% 10m interest payout end of tenure.

UOB USJ Taipan branch 1 day Sat 9 Mar 2019 10am-2pm promo - 4.28%pa (12m) min RM10k new funds