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 Conditional High Yield Savings Account

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SUSDavid83
post Jan 24 2019, 06:20 PM

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Can UOB eAccount be opened online if I got UOB credit card without presence at the nearest branch?
SUSDavid83
post Jan 30 2019, 07:46 PM

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QUOTE(The Chauvinist @ Jan 30 2019, 07:45 PM)
I am not sure. My eAccount is SA, and on UOB website it's interest rate is under SA.
Do you have CASA with UOB? If not, highly unlikely.
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Doesn't have.
I have submitted the application but unable to process further.
No reason given and ask me to go the nearest branch.
Called CS but they unable to provide the reason also!
SUSDavid83
post Jan 30 2019, 08:10 PM

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QUOTE(The Chauvinist @ Jan 30 2019, 08:08 PM)
Same when I tried to apply last time. Had to go to branch.

Heads up - the UOB officer may hard sell you their investment products. I was told that RM10k FD placement was one of the requirements to open eAccount.

As I always do my research before signing up for anything, I had saved their website and downloaded the T&C and PDS prior. I asked for the manager, showed her everything,  and she gladly instructed the officer to open my account.
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CS told me that amount to open the account is RM 100 min only! blink.gif
SUSDavid83
post Jan 30 2019, 08:33 PM

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QUOTE(The Chauvinist @ Jan 30 2019, 08:33 PM)
IIRC was RM 500 last time. Bring just in case.
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The CS said it has been revised.
Guess it has been revised down. laugh.gif
SUSDavid83
post Feb 5 2019, 07:28 PM

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Finally I opened the UOB e-Account.
The branch staff forced me to take the Debit-ATM card.
Is this compulsory?
SUSDavid83
post Feb 6 2019, 05:34 PM

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QUOTE(Lazygenes @ Feb 6 2019, 05:06 PM)
Shouldn't be, I have UOB e-account without debit card.
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Do you have other saving account/type with UOB?
SUSDavid83
post Feb 7 2019, 09:47 PM

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QUOTE(vrek @ Feb 7 2019, 09:31 PM)
Do you have online access? Because most banks only can have online access with ATM/debit card
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I have online access with credit card.
SUSDavid83
post Feb 10 2019, 11:10 AM

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QUOTE(Lazygenes @ Feb 7 2019, 10:24 PM)
Yes, I have online access for e-account.
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Since RM 8 is already charged, guess I have to cancel it next year! sweat.gif
SUSDavid83
post Feb 11 2019, 02:57 PM

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If I got UOB ONE and YOLO, it is easier to achieve 4.28% p.a with ONE account?
SUSDavid83
post Feb 12 2019, 12:18 PM

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QUOTE(digimon09 @ Feb 12 2019, 11:31 AM)
1.Your balance should be between >20k and < 50k on ONE account
2.Spend RM500 on UOB Credit Card and/or Debit Mastercard every month
3.Pay 3 bills (min RM50 per bill) via UOB Personal Internet Banking or
deposit minimum RM2,000 via Interbank GIRO/instant transfer every month

*Base on my understanding from the website to achieve 4.28% p.a
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I know the requirements.
What I meant is it easy to attain?
SUSDavid83
post Feb 13 2019, 07:36 PM

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QUOTE(nbi @ Feb 13 2019, 01:25 PM)
https://www1.uob.com.my/personal/save/savin...ne-account.page
*Maximum effective interest rate (E.I.R.) of 3.48% p.a. is calculated based on RM50,000 deposits balance in ONE Account.
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So just maintain RM 50,001 in the balance of ONE account.
Spend RM 500 on the linked UOB CC.
Pay 3 bills from PIB or inward transfer of RM 2k from other banks.

I'll be getting 4.28% right?
SUSDavid83
post Feb 13 2019, 08:01 PM

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QUOTE(nbi @ Feb 13 2019, 07:57 PM)
visit the site again, and then u will know that for that rm50001
Max E.I.R* 3.48% p.a.

First RM 10K Next RM 20K Next RM 20K      Above RM 50K
2.28% p.a. 3.28% p.a. 4.28% p.a. 3.00% p.a.
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I still don't understand the First RM 10k, Next RM 20k and another Next RM 20k
Doesn't that sum up to be RM 50k average balance in the account?

This post has been edited by David83: Feb 13 2019, 08:01 PM
SUSDavid83
post Feb 14 2019, 06:55 AM

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QUOTE(terrysoh @ Feb 14 2019, 12:07 AM)
David,

I come across that too, figure out awhile before i give up.

It is probably just a marketing gimmick to attract people/confuse value seekers like us.

E-Account still rocks that all day long.
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I agreed with you.
I think better stick with lesser headache UOB e-Account.
SUSDavid83
post Feb 22 2019, 10:24 AM

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QUOTE(terrysoh @ Feb 22 2019, 10:22 AM)
David,

I confirmed with you here that UOB E-Account doesnt need Debit card.

I went to UOB and create an E-Account. I did specifically asked If I am required to take the Debit card, which i got a Yes. I then proceed to transfer immediately. 

However, I used to have credit card with UOB, and there is an existing online account with username and password, which I no longer remember.

UOB needs to reset that and make a new account, and they asked me to come back in a few days. (No debit card was issued at that point)

When I got back a few days later, the staff proceeded to make a new online account for me, and once everything is done, Voila, no debit card was issued at all. My account is functional like normal, tried sending and receiving money.

It is evident that account can be created without Debit card, but they resist doing that unless you really press/they forgot.
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Thanks for the tips.
I'll cancel the Debit Card next year.
RM 8 has been charged!
SUSDavid83
post Mar 5 2019, 08:04 PM

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QUOTE(cybpsych @ Mar 5 2019, 08:00 PM)
user posted image

Headphone Earmarked Campaign 2019 [ UOB | T&Cs ]
Campaign period: 1 March to 31 August 2019.

Make a minimum deposit of RM15,000* and receive a set of headphones

Here’s a tune that we know you like to listen to! Receive a set of headphones just by making a minimum deposit of RM15,000* into UOB eAccount or ONE Account.

*earmarked for 5 months
*
The eligibility is very restrictive:

Eligibility
1. This Promotion is open to all new and existing UOBM individual customers who are parents or teachers (“Eligible Customers”) who open eAccount or ONE Account under School Project (“Eligible CASA”).

URL: https://www1.uob.com.my/web-resources/perso...one-tnc-eng.pdf
SUSDavid83
post Mar 7 2019, 07:46 PM

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QUOTE(Nom-el @ Mar 7 2019, 06:44 PM)
UOB eAccount no longer offers free IBFT for amount exceeding RM5,000.

https://www1.uob.com.my/personal/useful/fees/e-account.page
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I think it's applicable to all UOB saving types; not just e-Account.
SUSDavid83
post Mar 19 2019, 06:13 PM

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Anybody has idea on this UOB Stash thing?
Saw this from FB; not sure by UOB MY or UOB SG.
SUSDavid83
post Mar 20 2019, 12:34 PM

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QUOTE(Nom-el @ Mar 20 2019, 11:46 AM)
It is from UOB MY. More info can be found on the link below: -

https://www1.uob.com.my/stash/index.html
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Thanks. The effective rate is 3.5%pa
It's about the same as UOB e-Account.
I think no point to go for it.

This post has been edited by David83: Mar 20 2019, 12:34 PM
SUSDavid83
post Mar 20 2019, 07:39 PM

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QUOTE(David83 @ Mar 20 2019, 12:34 PM)
Thanks. The effective rate is 3.5%pa
It's about the same as UOB e-Account.
I think no point to go for it.
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For those who has interest on Stash Account, you can apply/open online at UOB PIB

URL: https://www1.uob.com.my/stash/index.html
SUSDavid83
post Mar 20 2019, 08:23 PM

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QUOTE(skty @ Mar 20 2019, 08:17 PM)
throw 30k to 50k and enjoy 3.25% (basic) or 4.45% (for 12 months promotion) without doing anything else.

https://www.ocbc.com.my/personal-banking/Ac...ster/index.html
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With 50k to 60k, just dump to UOB e-Account or Stash, can earn 3.5% pa. sweat.gif


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