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 Conditional High Yield Savings Account

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cclim2011
post Mar 13 2021, 09:23 AM

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hi guys, anyone using hlb pay and save? the rm500 pay bills... only pay to hlb credit cards considered? other banks not considered right? how about ibg to aeoncredit?

dont have cc and loan with hlb... difficult to meet this criteria...

This post has been edited by cclim2011: Mar 13 2021, 09:24 AM
cclim2011
post Mar 13 2021, 07:01 PM

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QUOTE(acejlsh @ Mar 13 2021, 05:59 PM)
You dont need to care pay whatever bills, JUST DO FPX RM 500 per month at the minimum and viola, job done.
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rarely fpx. fpx from any other bank for fd placement can? thanks.

just did bigpay rm500 with my hlb atm card (but it's mach atm card shld be ok), plan to do add to sspn with fpx rm500, and already credited rm2000 this month), enough for 2.5%?

i also notice monthly average balance of ~70k is optimum for 2.5% due to the cap rm30 for debit card spend and pay bill/fpx.

This post has been edited by cclim2011: Mar 13 2021, 07:16 PM
cclim2011
post Mar 13 2021, 10:21 PM

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QUOTE(acejlsh @ Mar 13 2021, 09:30 PM)
I dont know can or not, you can try, but logically yes.

If you rarely do FPX, the safest way is simply dump RM 500 to Bigpay via online banking (=FPX), then case closed for the month.
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alright, done topup bigpay rm500 using the atm card, and done fpx rm500 to bigpay thru hlb. suffice right? haha thanks.
cclim2011
post Mar 13 2021, 10:32 PM

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QUOTE(acejlsh @ Mar 13 2021, 10:23 PM)
Your (ATM) Debit Card spending account must be debited from your pay and save account, else no spend bonus
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oh ok.. thanks for reminder. ya, looks like it as other accts no money eh... but not posted yet. thanks
cclim2011
post Feb 4 2023, 05:45 PM

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ah... i left rhb and scb aside for nearly a year dy for hlb and now they are the better ones?

This post has been edited by cclim2011: Feb 4 2023, 05:45 PM
cclim2011
post Aug 29 2023, 04:10 PM

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QUOTE(datolee32 @ May 8 2023, 06:13 PM)
If without consider investment, the highest one should be stanchart psa, 4.15% but quite troublesome, I personally use RHB smart 3.35%. UOB One Account below 50k 2%, above 50k 4%, if 100k effective interest rate only 3%.
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hello. not sure if asked or discussed before. i am back to psa after a while.

so is mab 90k in aug, 95k in sep, 100k in oct
then mab 90k in nov, 95k in dec, 100k in jan

makes be eligible for loyalty bonus for all the 6 month if you'd know?

if not i would slowly grow 3-4k from say 50k 😂

This post has been edited by cclim2011: Aug 29 2023, 04:20 PM
cclim2011
post Sep 11 2023, 07:26 PM

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Hi, for Ambank True Saver, the monthly 3k deposit requirement for 1.15% bonus rate, is it incremental? I mean, can I take out the 3k (or say 2.9k) say a day after bank in? still eligible for the bonus rate? thanks
cclim2011
post Sep 18 2024, 10:22 AM

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joining uob one at last
i have few questions to ask

the bonus interest is for 6 months only right?

i have not received my debit card, can i start enjoy the bonus interest?

i logged in and saw i have met the requirement for level 2 bonus (2%, 6%, 4% etc), but i think i only met 1 requirement (credit card spending) ,as shown also. i only banked in rm500 to activate it just now. why is it so ya?

thanks.

cclim2011
post Sep 18 2024, 10:43 AM

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QUOTE(thecurious @ Sep 18 2024, 10:32 AM)
If they didn't change the conditions, part of the bonus is automatic level 1 completion for a certain period. After that then you will need to fulfill the condition as per normal user.
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noted, thanks for the info
cclim2011
post Oct 1 2024, 05:14 PM

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hi, can i know for UOB One saving, how the interest will be banked in? base and bonus interest all together ?

thanks.

i got rm55 yesterday but much lower than what expected.

This post has been edited by cclim2011: Oct 1 2024, 05:15 PM
cclim2011
post Oct 1 2024, 05:59 PM

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QUOTE(kyleen @ Oct 1 2024, 05:41 PM)
Base interest on the last day of the month.
Bonus interest a couple days later, on the 2nd you should see it
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ok thanks a lot for the information. but base interest at rm55.... too much higher for mine also MAV about 100k. let's see after 2nd.
cclim2011
post Jul 19 2025, 11:01 AM

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QUOTE(LostAndFound @ Jul 18 2025, 11:05 PM)
Anyone has experience - the current RHB smart account promotion - what happens if you don't hit the MAB? Straight away no bonus, or bonus interest is lesser? From the graph in https://www.rhbgroup.com/personal/deposits/...ount/index.html it shows (up to 1.6% per pillar achieved for amounts 50k<100k) but underneath the image has a footnote saying "Applicable to customers who increased an their balances of more than RM1,000 compared to previous month to entitle for an additional 0.20%p.a. "

Not sure if this means "only customers who increase MAB will get the 1.6%" or "only customers who increase MAB will get an additional 0.2%"?
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can put in artificial numbers in their website. it will tell you what % are you getting.

mine acct worse, cant see any changes in the rewards page after >1 week opening acct after bank in money and pay bills. 😅. CS also dont know.

This post has been edited by cclim2011: Jul 19 2025, 11:01 AM

 

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