Which one are the best or your favourite products?

1) OCBC 360 Account
2) OCBC Smart Savers
3) RHB Bonus Savers
4) RHB Smart Account
5) UOB ONE Account
6) Maybank2u / Affin Bank E-Savers
7) Alliance SavePlus / My Esavings
8) UOB EAccount

That is for not so emergency fund.
But you need to keep some money that you can withdraw/use immediately - like if you get into an accident etc - no time to wait 1 business day
You can always use your CC to cover that, but it's still better to have something that you can use immediately

RM 10k won't able to play any game in conditional high yield saving acccount.
For RM 10k, better put into 1-month FD.

I prefer simple direct product.
I don't really like those that requires applying additional credit card or buying additional wealth management products.
EIA is 3.5% pa which is about the same as UOB e-Account.
So I'll pass.
OCBC is out of my reach because availability of branch in Penang island.

Of course I know.
With experience of opening a saving account with Citibank was a nightmare, I don't want to spend my lunch hours in hunger to experience the same thing again.
I know it's easy to achieve but as I said earlier, I don't want to apply additional credit card or buy additional wealth management products in order to achieve high tiered interest rate.

Those criteria is monthly or 1 off?
Pretty easy, even if monthly can set schedule in advance
Plus instant transfer now most bank is foc

Does the card provide cash back 5% with no min/max spend on specific day?
Pay as in utilities bills? Or spending?

I do not hate debit cards.
I don't feel secured or comfortable of using debit card that ties to saving account with high balance.

i would be interested except for the fact i have yet to find a good OCBC card

Tat’s why Ramjade anti OCBC because of card returns

Just started my first job. Looking for a savings account with high interest. Is Standard Chartered PSA still the best if I just wanna dump money in and earn interest?Not paying any bills as I still live with family and my spending only around 500 per month, so can save a lot.

I have looked around:
1. Standard Chartered PSA - 2.1% (Won't be able to fulfill the other conditions consistently)
2. OCBC 360 -  1.65% (Can fulfill deposit and spend category)
3. RHB Smart Account - 1.85%
4. UOB ONE Account - 1.65%

Seems like PSA still gives you the best interest even if you just wanna dump money in and not fulfill any spending conditions. Any other suggestion?

Do you have existing RHB CASA account?

If yes, DIY online.

If no, then that's right. The only bank in Malaysia which insisted on mobile phone bill when I open account with them. And this is after I have CC and HL for 1year plus with them. Serious facepalm

How come? 3.10% vs 3.35%...

Same case with RHB Smart Account.

Disagree. RHB Smart account u pay 6 bills also entitled to the bonus rate of 15%. Whereas ocbc 360 you need to spend minimum of RM500 to hit one of the bonus rates criteria

Oh ya, you win OCBC 360 is much easier with your way, easier to get ban by TnG also

Is that the reason why you stick with KDI only now? 

Currently I'm already having AmBank Savers acc and was thinking should I be opening UOB one ?

Previously was CTB - STEP-UP INTEREST ACCOUNT but then UOB took over and just gave Privilege Account.

Alternatively, when I apply for loan for better interest rate .. advised to open Hong Leong Pay&Save - i Account (don't know why they pick for me Islamic and never asked/inform me)

uob gives 4%

Use code MAXIS or CELCOM

For 388, 8k deposit.

Not sure the prmotoion still ongoing or not

Did you already get the 388 reward?

I opened on 29/04 using UNIFI refferal, deposited 6k, the app then auto deduced rm8 for debit card, then I topped up rm8, but other than getting ONE interest, have not gotten the RM388 reward yet.

T&C does say that they only allocated ~rm71k total for the whole campaign on a first come first serve basis, and also to be credited within 90 days so not sure if I should wait another couple months or just count my losses and withdraw.