Hey guys, currently i'm working in maybank, so maybe i can offer some insight on this Foreign FD
in our bank, customers need to open a foreign account and then make a placement. one year rate 5.05% if im not mistaken. im not too sure if its the same with public bank, but lets say if u make a 1 month placement and the exchange rate not good enough, you can leave the money idle in the foreign account and wait till the rate improves. if the rate goes up alot, you can make a good amount of money
as for DCI, the minimum is rm250,000 and its a risky product. If you are planning on using the foreign currency, then its not as bad

anything questions, feel free to pm me