Which bank provide a saving account with interest and without debit card fees?

Tabung Haji?

Nowadays most every major bank have debit cards.BNM order.huhu.

Ask for free basic savings account. All banks in Malaysia will have that as it's BNM rules to offer such account. Banks will usually discourage you from opening that account. Just ignore and be firm that you want that account.

Setback: 8x free ATM withdrawal a month.

Not true. See above

This post has been edited by Ramjade: Oct 31 2017, 04:02 PM

Most local banks have it, just ask for Basic Savings Account

Just to name a few:
https://www.cimbbank.com.my/en/personal/pro...gs-account.html

http://www.maybank2u.com.my/mbb_info/m2u/p...al/ACC-Accounts

https://www.ambankgroup.com/eng/islamic/Our...ngsAccount.aspx

I have Maybank account but have annul charges can i change it ?

There are 2 basic saving account. One free and one paid. If you don't specify you want the free, banks will by default give you the paid version.

This post has been edited by Ramjade: Oct 31 2017, 04:22 PM

I asked Maybank for that old kuning kad. They said you can't get it anymore. All debit cards nowadays.

Basic account btw.

I am not sure if you can just change it, you will have to ask the bank.

If can't then you can open a new Basic Savings Account and say that you do not want unlimited withdrawal option.

There's 2 options,

Opt 1
- if you opt for unlimited ATM withdrawal, then you will need to pay RM 8.48 per year.

Opt 2
- Every month you will have X number of free ATM withdrawal, after X you will be charged for the withdrawal.

I have Maybank debit cards (change from old kad kuning), and I am not being charged for annual fees

Of course. That's normal. That's why must ask for free basic saving account

The 'kuning' card no longer available. Even the old 'kuning' card have to change to the cherry debit card.

If your account is BASIC Savings Account, & request for limited withdrawal, then no annual fees for the card.

Firm? Haha..

You know what they do now? "Sorry, we are out of stock for the free cards."

How firm you want to be depends on how long you want to wait.

That's ridiculous. Paid debit cards = free debit card. I have never experienced that. The only thing I experienced is bank officer making a black face when I request for free BSA

Well, you have much to learn and experience, my dear.

This post has been edited by howszat: Oct 31 2017, 09:18 PM

A well place "I am going to report this issue to BNM" will rectify the problem.

This post has been edited by Ramjade: Oct 31 2017, 09:20 PM

Officer should be happy le we give biz

Note, how they don't say they would not give you the card? They say "out-of-stock".

If complaining about out-of-stock is a valid BNM complaint, yes, go ahead. Otherwise, BNM probably will tell you wait since you don't have a valid complaint.

Well, all depends on how much time and effort you want to spend on something that might not get you anywhere.

I’ll have to disagree with the above statements.

I am using a non-fee BSA from the much complained CIMB Bank mainly due to their higher annual fee for their debit MasterCard. The card they issue to non-fee BSA account is the exact same debit card they issue to all other accounts that come with RM15.90 annual fee. So there is actually no reason for them to tell you they have run out of stock of the free debit card. Same situation with my RHB Bank and AmBank non-fee BSA too. The same generic debit card is given to me but it doesn’t come with annual fee as my account is the non-fee BSA.

This post has been edited by MilesAndMore: Oct 31 2017, 11:03 PM

Any interest they give ?

When you open an account, you are a liability to the bank. In addition, if they cannot make money off you, your account with them is considered a loss already. So tell me, if 10k people want to open free basic saving account, and bank cannot make money from them, would bank want to open for you?

That's why, when you go to a bank and request for account, by default, banks will never give you the free basuc savings account except if you ask or maybe it's BSN.

I have to agree with your statement. No stock is basically just an excuse. It cannot be used in today's time as now all banks issue debit card with atm functions.

When you open a bank account, forget about the interest. Interest is usually close to zero making it neglible. If you want interest, better you look for high interest rate savings account/FDs/Money market fund.