sorry my bad. between 50-100k get 6%, but the effective rate is different when taking into account 50k @ 2%

Since so many questions on "how to calculate EIR" and so on, I prepare an overview chart of how much your deposit amount can get you monthly

Sifu!! 🙇🏻‍♀️

Hmm is that a randomly received SMS?

Is this code still valid? Any page description on that? 😆

Planning to open UOB One, from their website now seems the best I could get is RM50 for new account opening + RM50 referral fee for another person who's existing customer.

if you are unifi customer, just go to the rewards unifi page to claim it. Today may be the last day.

The unifi rewards page looks like this



This post has been edited by koja6049: Feb 29 2024, 10:57 AM

Then for me this is too inflexible cos need to have 70k to 100k to get >3.2%, my ocbc 360 balance can range from 1k to 100k over the month.

Thanks for sharing!

Too bad for me then... The Unifi in my house is under another person.

How did you land on this rewards page?

Been searching high and low after login, but just could not find any where to get to this page...

use this link https://rewards.unifi.com.my/

or you can use the uob landing page. not sure if it works if you didn't redeem the voucher: https://www.uob.com.my/personal/promotions/...s/telekom-jan22

This post has been edited by koja6049: Feb 29 2024, 07:36 PM

Meaning if I have more than 100k, I shall put to other bank like RHB SMART / OCBC? I thought 125k effective rate is 3.6%, still higher than RHB smart / OCBC 360.. so I’m confuse whether I should put the extra 25k in uob one or RHB better?

100k = 4%, next 25k = 2% which translates to effective rate of 3.6% for 125k

so if u have maxed out 100k at 4%, anything that gives more than 2% is better

I will put max 100k-4%
Extra 25k put at GXBank better-3%

the condition is to maintain an average of rm6000 credit balance inside the account until end of march to get the rm388 rite?

yes, correct

Ok ok. Thanks. Hope to receive this rm388 soon. 😊

Couldn't understand whether this has been addressed yet for UOB One account - the tiering discussion I did see.

Is the interest calculated daily rest or monthly average?

So if today I put 100k in and leave it till end of the month, will I earn 4% EIR on that 100k for each day remaining?

Or will it take the monthly average balance (RM0 x 8 days + RM100k x 23 days) of 74.1K and then give interest of 2% on the first 50k, 6% on the next 24k?

It's my 1st month in and I just confirmed it is MAB, not daily rest

Thanks, will put >100k to get full benefit for March then!

Hi all, for UOB 4% account,

1) how to link the credit card to the saving account?

2) if i open it today, how to count for six months for extra 2%? From 26/3/24 to 25/9/24 or just Mar24-Aug24?

3) for the criteria of transfer fresh fund to saving account of rm2k per month, can i withdraw it on that month? Or zero withdrawal for the month to fulfill the criteria?

This post has been edited by Anangie: Mar 26 2024, 08:41 AM

The 9bills can directly pay in tnb or must use fpx/direct debit?

9 bills payable thru JomPay.