Which bank account u are using ? ( the best), Most convenience, best FD rate etc
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 Jul 20 2018, 02:54 PM
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All Stars
24,418 posts Joined: Feb 2011  
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QUOTE(Sumofwhich @ Jul 20 2018, 01:10 PM) I have multiple bank accounts all free from annual fees except OCBC 360, this is my main savings account for their 2.9% interest rate, why not 4.1% because cashback credit cards are more worthwhile Use Phillip money market fund instead. I am using it for it's high interest of 3.69%p.a. No need to pay anything. |
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Jul 20 2018, 04:24 PM
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Senior Member
1,274 posts Joined: Sep 2010
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QUOTE(Ramjade @ Jul 20 2018, 02:54 PM) Use Phillip money market fund instead. I am using it for it's high interest of 3.69%p.a. No need to pay anything. Did a quick search, isn't this a UT fund? Is it a bank account where I can perform free instant transfers? |
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Jul 20 2018, 06:34 PM
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All Stars
24,418 posts Joined: Feb 2011
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QUOTE(Sumofwhich @ Jul 20 2018, 04:24 PM) Did a quick search, isn't this a UT fund? If you can wait a day for your money to appear why not? Is it a bank account where I can perform free instant transfers? Yes it's a UT which invest in FD. I can wait, hence I am using that. |
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Jul 21 2018, 12:13 PM
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Senior Member
1,274 posts Joined: Sep 2010
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QUOTE(Ramjade @ Jul 20 2018, 06:34 PM) If you can wait a day for your money to appear why not? Thanks for clarifying. I need a bank account where I can transfer out to pay credit cards and bills, so I don't think I'll park my money for more than a month, unless you're saying the interest is given based on daily rest? Thanks.Yes it's a UT which invest in FD. I can wait, hence I am using that. |
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Jul 21 2018, 12:30 PM
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All Stars
24,418 posts Joined: Feb 2011
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QUOTE(Sumofwhich @ Jul 21 2018, 12:13 PM) Thanks for clarifying. I need a bank account where I can transfer out to pay credit cards and bills, so I don't think I'll park my money for more than a month, unless you're saying the interest is given based on daily rest? Thanks. You don't need to park for 1 month. I park for few days only. Interest is calculated on daily basis and paid out on a monthly basis. |
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Jul 21 2018, 01:19 PM
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Senior Member
1,274 posts Joined: Sep 2010
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QUOTE(Ramjade @ Jul 21 2018, 12:30 PM) You don't need to park for 1 month. I park for few days only. Interest is calculated on daily basis and paid out on a monthly basis. Nice! Any links to point me to the right webpage? Thanks. |
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Jul 21 2018, 01:41 PM
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All Stars
24,418 posts Joined: Feb 2011
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QUOTE(Sumofwhich @ Jul 21 2018, 01:19 PM) Nice! Any links to point me to the right webpage? Thanks. https://www.eunittrust.com.my/Home/FundDetail/?fcode=001100 |
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Jul 21 2018, 02:06 PM
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Senior Member
1,274 posts Joined: Sep 2010
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QUOTE(Ramjade @ Jul 21 2018, 01:41 PM) Thanks, maybe not for me as UT is not risk free. Cheers |
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Jul 21 2018, 02:15 PM
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All Stars
24,418 posts Joined: Feb 2011
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QUOTE(Sumofwhich @ Jul 21 2018, 02:06 PM) Thanks, maybe not for me as UT is not risk free. Cheers Depends on the underlying asset. It invest in FD and NAV is fixed at RM0.5 |
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Jul 21 2018, 02:26 PM
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Senior Member
1,274 posts Joined: Sep 2010
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QUOTE(Ramjade @ Jul 21 2018, 02:15 PM) Depends on the underlying asset. It invest in FD and NAV is fixed at RM0.5 Any idea what are the charges like on the eunittrust webpage? |
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Jul 21 2018, 02:33 PM
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All Stars
24,418 posts Joined: Feb 2011
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QUOTE(Sumofwhich @ Jul 21 2018, 02:26 PM) Any idea what are the charges like on the eunittrust webpage? 0% service charge for their money market fund. That means RM1k will be fully invested.Other fund as mentioned on their page is going for 1.5% service charge. They have regular promos where if you buy > RM5k, service charge is waived. This post has been edited by Ramjade: Jul 21 2018, 02:35 PM |
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Jul 21 2018, 03:16 PM
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Junior Member
453 posts Joined: Mar 2015
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I prefer Maybank.
They bank it in directly in there |
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Jul 21 2018, 03:47 PM
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Senior Member
1,274 posts Joined: Sep 2010
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QUOTE(Ramjade @ Jul 21 2018, 02:33 PM) 0% service charge for their money market fund. That means RM1k will be fully invested. Thanks again @Ramjade for the selfless sharing!Other fund as mentioned on their page is going for 1.5% service charge. They have regular promos where if you buy > RM5k, service charge is waived. |
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Jul 21 2018, 03:53 PM
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All Stars
14,950 posts Joined: Mar 2015
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QUOTE(Sumofwhich @ Jul 21 2018, 03:47 PM) Thanks again @Ramjade for the selfless sharing!   +1 |
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Jul 21 2018, 07:26 PM
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Senior Member
2,338 posts Joined: Oct 2014
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Unker is using HLB Pay n Save, quite fun if you have substantial amount of idle money
https://www.hlb.com.my/en/personal-banking/...ve-account.html |
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Jul 21 2018, 07:28 PM
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Senior Member
1,495 posts Joined: Dec 2012
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Maybank. Easy to find ATM machines.
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Jul 21 2018, 10:13 PM
Show posts by this member only | IPv6 | Post
#37
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Senior Member
1,232 posts Joined: Sep 2005
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QUOTE(Sumofwhich @ Jul 20 2018, 01:10 PM) Low interest only for govt servants? Bank Rakyat kononnya  |
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Jul 23 2018, 10:19 AM
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Junior Member
93 posts Joined: Jan 2014
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Rhb, their atm line always empty at some places.
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Jul 23 2018, 10:23 AM
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Junior Member
182 posts Joined: Apr 2018
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ocbc 360 is good, but their atm machines are so rare like legendary pokemons.
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Jul 23 2018, 10:40 AM
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All Stars
65,353 posts Joined: Jan 2003
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QUOTE(cklimm @ Jul 21 2018, 07:26 PM) Unker is using HLB Pay n Save, quite fun if you have substantial amount of idle money can try the trading thingy...https://www.hlb.com.my/en/personal-banking/...ve-account.html Kuala Lumpur, 20 July 2018 Dear Valued Customers, We wish to announce that Pay&Save Account with add-on Share Trading Features will commence effective 23rd July 2018. Kindly refer to the revised terms and conditions below for further information. Thank you. https://www.hlb.com.my/content/dam/hlb/my/d...-account-en.pdf |
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