Just to clarify on Lawyer1 point. When you enroll 4% saving plan for two years. The rate will be fixed for two years and won't drop. Unless you quit the plan and re-enroll, then it depends on the rate at that point in time.

Fyi, 4% rate is going to drop end of this week or next week as BLR for many banks has reduced significantly. Do email or pm me soon if you are interested on the iQ saving plan.

Lawyer1 has his point as well, if he already has ppl running around to do banking routines, then iQ won't be much relevant. But saving RM2/per IBG transaction is good for me.

On the iQ mall, you can access it from here http://www.ocbc.com.my/myIQ/index.html

Cheers,
June