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[原创] 每周六更新 - - Malaysia FD Rate - - 2019

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楼主: 守护神9413       显示全部楼层   阅读模式

楼主
发表于 31-12-2018 10:52 PM | 显示全部楼层 |阅读模式
本帖最后由 守护神9413 于 28-12-2019 12:19 PM 编辑

祝各位 新年快乐 ~

欲想知道银行 FD / Promotion 资料, 请 click 银行 的名字 就可以了
若有新的资料, 请分享~
若有资料错误, 请提醒~
若各别分行有 promotion, 请分享是哪一间分行~
方便大家, 也方便我自己 ~

每周六 更新资料 ~

各位,资料已更新,请查阅第一楼~

Update Promotion :

Normal FD

Month (%)
BANK 1 3 6 12
AFFIN BANK 3.00 3.05 3.15 3.90
AGRO BANK 3.05 3.15 3.30 3.65
AL RAJHI BANK 2.95 3.05 3.10 3.25
ALLIANCE BANK 2.95 3.00 3.05 3.10
AMBANK 2.90 2.95 3.05 3.05
BANGKOK BANK 3.05 3.10 3.15 3.25
BANK ISLAM 3.05 3.10 3.15 3.35
BANK OF CHINA 2.90 3.00 3.05 3.15
BANK RAKYAT 3.25 3.40 3.55 3.80
BSN 3.00 3.05 3.10 3.45
CHINA CONSTRUCTION BANK 2.95 3.00 3.05 3.20
CIMB 2.95 3.00 3.05 3.10
CITIBANK 2.70 2.70 2.75 2.75
HONG LEONG BANK 2.75 2.80 2.85 2.85
HONG LEONG BANK FLEXI - - - - - - 3.00
HSBC 2.75 2.85 2.85 2.90
ICBC BANK 2.90 3.00 3.05 3.20
INDIA INTERNATIONAL BANK 3.05 3.10 3.15 3.20
KUWAIT FINANCE HOUSE 3.05 3.10 3.20 3.75
MAYBANK 2.90 2.95 3.05 3.10
MBSB 3.10 3.15 3.20 3.40
MUAMALAT BANK 3.05 3.10 3.20 3.30
OCBC BANK 2.65 2.75 2.90 3.00
PUBLIC BANK 2.95 3.00 3.05 3.10
RHB 2.95 3.00 3.05 3.10
SCOTIA BANK 2.95 3.00 3.10 3.15
Standard Chartered 2.70 2.80 2.85 3.00
Sumitomo Mitsui Bank - MALAYSIA 2.95 3.00 3.05 3.15
UOB 2.70 2.80 2.90 3.00


e-FD

Month (%)
BANK 1 3 6 12
ALLIANCE BANK 2.95 3.00 3.05 3.10
AMBANK 2.90 2.95 3.15 3.15
BANK RAKYAT 3.25 3.40 3.55 3.85
CIMB 2.95 3.00 3.05 3.10
HONG LEONG BANK 2.45 2.80 2.85 2.85
MAYBANK 2.90 2.95 3.05 3.10
PUBLIC BANK 2.95 3.00 3.05 3.10


SENIOR FD

Month (%)
BANK NAME 1 3 6 12
AGRO BANK FRIA-I 45 PLUS - - - - 3.25 3.65
AMBANK AM50PLUS - - - - 3.05 3.05
BSN BSN SENIOR CITIZEN ( RM5k - RM50k ) - - - - - - 3.35
BSN BSN SENIOR CITIZEN ( > RM50k) - - - - - - 3.40
HONG LEONG BANK HONG LEONG SENIOR SAVERS FLEXI FD - - - - - - 3.00
HONG LEONG BANK Harvest Savings Account 3.80 - - - - - -
KUWAIT FINANCE HOUSE Senior International Commodity Murabahah - - 3.15 3.25 3.80
MBSB 49'NERS 3.20 3.25 3.35 3.50
PUBLIC BANK PB GOLDEN 50 PLUS 3.05 3.10 3.15 3.20
RHB RHB SENIOR - - - - - - 3.10


SENIOR e-FD

Month (%)
BANK NAME 1 3 6 12


Corporate FD

Month (%)
BANK 1 3 6 12
ALLIANCE BANK 2.75 2.80 2.85 2.90
SCOTIA BANK 3.05 3.15 3.25 3.35


Corporate eFD

Month (%)
BANK 1 3 6 12
MAYBANK 2.90 2.95 3.05 3.10


--------------------------------------------------------------------------------------------------------------

Current Promotion :

*注 :
(P) = Placement
(F) = Fresh
CASA = Current Account/Saving Account
ADB = Average Daily Balance

NOT FD

BANK Promo. End Cond. (Min) Month %
BSN 2019-12-31 >= RM 3k <= RM 4.99k 12 2.00
BSN 2019-12-31 >= RM 5k 12 2.50
HSBC BANK 2019-12-31 HSBC Everyday Global  Account,
>= RM 0 <= RM 10k
- - 0.10
HSBC BANK 2019-12-31 HSBC Everyday Global  Account,
>= RM 10,000.01 <= RM 50k
- - 0.50
HSBC BANK 2019-12-31 HSBC Everyday Global  Account,
>= RM 50,000.01 <= RM 100k
- - 1.00
HSBC BANK 2019-12-31 HSBC Everyday Global  Account,
>= RM 100,000.01 <= RM 200k
- - 2.00
HSBC BANK 2019-12-31 HSBC Everyday Global  Account,
> RM 200k
- - 3.00
Standard Chartered 2019-12-31 < RM 50k - - 0.50
Standard Chartered 2019-12-31 > RM 50k < RM 150k - - 1.00
Standard Chartered 2019-12-31 > RM 150k < RM 500k - - 2.50
Standard Chartered 2019-12-31 > RM 500k < RM 3M - - 3.00
Standard Chartered 2019-12-31 > RM 3M - - 3.50
AL RAJHI BANK 2020-03-31 <= RM 150k - - 1.15
AL RAJHI BANK 2020-03-31 > RM 150k - - 3.15


Normal FD (Promotion)

Month (%)
BANK Promo. End Cond. (Min) 1 3 6 12
CIMB BANK 2019-12-31 (F) RM 30k FD : RM10k CASA - - 3.53 ~ 4.28 - - - -
HONG LEONG BANK 2019-12-31 New Priority Member,
(F) RM 100k FD : RM 20k Top Yield Account
- - - - 3.99 ~ 4.00 - -
HSBC BANK 2019-12-31 All HSBC Bank/HSBC Amanah Advance customers,
OR hold at least one existing,
OR new primary HSBC Credit Card/-i,
(F) RM 10k
- - - - 4.00 - -
KUWAIT FINANCE HOUSE 2019-12-31 (F) RM 10k - - - - - - 4.00
PUBLIC BANK 2019-12-31 (F) RM 10k - - 3.50 3.70 - -
RHB BANK 2019-12-31 (F) RM 10k - - - - - - 3.90
MBSB 2020-01-31 (F) RM 22.5k FD : RM 7.5k Prime Win CASA - - - - 4.25 - -


BANK Promo. End Cond. (Min) Month %
RHB BANK 2019-12-31 (F) RM 10k 9 3.90
RHB BANK 2020-02-29 (F) RM 10k : RM 2k CASA 5 3.42% ~ 3.91%


Senior FD (Promotion)

Month (%)
BANK Promo. End Cond. (Min) 1 3 6 12


BANK Promo. End Cond. (Min) Month %


e-FD (Promotion)

Month (%)
BANK Promo. End Cond. (Min) 1 3 6 12
HONG LEONG BANK   2019-12-31 (P) RM 10k - - - - 3.90 - -


BANK Promo. End Cond. (Min) Month %


Foreign Currency FD (Promotion)

Month (%)
BANK Promo. End Cond. (Min) 1 3 6 12
BANGKOK BANK 2020-01-31 (F) USD 5k 2.03 2.16 2.18 - -


--------------------------------------------------------------------------------------------------------------

各位, 若你手上有最新资料,
请填写

银行:
几个月:
利息 :
地点 :
截止日期 :
官方网站 (若有) :

若对任何银行不满,请游览 BANK NEGARA

若想知道哪家银行与PIDM合作, 请游览 https://www.pidm.gov.my/en/
然后 去 For Public
然后点击 Member banks

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楼主
 楼主| 发表于 31-12-2018 10:52 PM | 显示全部楼层
1st Maturity = promotion rate, 过后就是 跟 board rate


example:
2016-01-01
你想放 RM 10,000 FD 和 所得利息 是放在 同一个 FD 的话
promotion rate (3 months) 4.0%p.a.  (promotion end: 2016-02-01)
board rate (3 months) 3% p.a.

2016-04-01
由于你在 2016-01-01 放 FD  时 还在 under promotion, 所以你享有 promotion rate
你的 FD = 10,000 + 3 x (10,000 x 4%) / 12
= 10,000 + 3 x (10,000 x 0.04) / 12
= 10,000 + 100
= 10,100

2016-07-01
你的 FD = 10,100 + 3 x (10,100 x 3%) / 12
= 10,100 + 3 x (10,100 x 0.03) / 12
= 10,100 + 75.75
= 10,175.75

2016-10-01
你的 FD = 10,175.75 + 3 x (10,175.75 x 3%) / 12
= 10,175.75 + 3 x (10,175.75 x 0.03) / 12
= 10,175.75 + 76.32
= 10,252.07

2017-01-01
你的 FD = 10,252.07 + 3 x (10,252.07 x 3%) / 12
= 10,252.07 + 3 x (10,252.07 x 0.03) / 12
= 10,252.07 + 76.89
= 10,328.96
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楼主
 楼主| 发表于 31-12-2018 10:53 PM | 显示全部楼层
Situation 1
2016-01-01
你想放 RM 10,000 FD 和 所得利息 是放在 同一个 FD 的话
promotion rate (4 months) 4.0%p.a.  (promotion end: 2016-02-01)
board rate (4 months) 3% p.a.

2016-05-01
由于你在 2016-01-01 放 FD  时 还在 under promotion, 所以你享有 promotion rate
你的 FD = 10,000 + 4 x (10,000 x 4%) / 12
= 10,000 + 4 x (10,000 x 0.04) / 12
= 10,000 + 133.33
= 10,133.33

2016-09-01
promotion 已过, 所以跟回 board rate
你的 FD = 10,133.33 + 4 x (10,133.33 x 3%) / 12
= 10,133.33 + 4 x (10,133.33 x 0.03) / 12
= 10,133.33 + 101.33
= 10,234.66

2017-01-01
你的 FD = 10,234.66 + 4 x (10,234.66 x 3%) / 12
= 10,234.66 + 4 x (10,234.66 x 0.03) / 12
= 10,234.66 + 102.35
= 10,337.01

Situation 2
2016-01-01
你想放 RM 10,000 FD 和 所得利息 是放在 同一个 FD 的话
promotion rate (4 months) 4.0%p.a.  (promotion end: 2016-02-01)
board rate (4 months) 3% p.a.

2016-05-01
由于你在 2016-01-01 放 FD  时 还在 under promotion, 所以你享有 promotion rate,
此时 有新的 promotion rate (4 months) 4.1 % p.a. (promotion end: 2016-06-01) (条件 : Placement 10,000)
你的 FD = 10,000 + 4 x (10,000 x 4%) / 12
= 10,000 + 4 x (10,000 x 0.04) / 12
= 10,000 + 133.33
= 10,133.33

2016-09-01
2016-05-01 的 promotion, 你没去更新 FD, 所以跟回 board rate
你的 FD = 10,133.33 + 4 x (10,133.33 x 3%) / 12
= 10,133.33 + 4 x (10,133.33 x 0.03) / 12
= 10,133.33 + 101.33
= 10,234.66

2017-01-01
你的 FD = 10,234.66 + 4 x (10,234.66 x 3%) / 12
= 10,234.66 + 4 x (10,234.66 x 0.03) / 12
= 10,234.66 + 102.35
= 10,337.01

Situation 3
2016-01-01
你想放 RM 10,000 FD 和 所得利息 是放在 同一个 FD 的话
promotion rate (4 months) 4.0%p.a.  (promotion end: 2016-02-01)
board rate (4 months) 3% p.a.

2016-05-01
由于你在 2016-01-01 放 FD  时 还在 under promotion, 所以你享有 promotion rate,
此时 有新的 promotion rate (4 months) 4.1 % p.a. (promotion end: 2016-06-01) (条件 : Placement 10,000)
你的 FD = 10,000 + 4 x (10,000 x 4%) / 12
= 10,000 + 4 x (10,000 x 0.04) / 12
= 10,000 + 133.33
= 10,133.33

2016-09-01
2016-05-01 的 promotion, 你有去更新 FD, 所以是 跟 promotion rate 4.1% p.a.
你的 FD = 10,133.33 + 4 x (10,133.33 x 4.1%) / 12
= 10,133.33 + 4 x (10,133.33 x 0.041) / 12
= 10,133.33 + 138.49
= 10,271.82

2017-01-01
promotion 已过, 所以跟回 board rate
你的 FD = 10,271.82 + 4 x (10,271.82 x 3%) / 12
= 10,271.82 + 4 x (10,271.82 x 0.03) / 12
= 10,271.82 + 102.72
= 10,374.54
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楼主
 楼主| 发表于 31-12-2018 10:53 PM | 显示全部楼层
Normal FD

Month (%)
BANK 1 3 6 12
AFFIN BANK 3.25 3.30 3.40 4.05
AGRO BANK 3.25 3.35 3.50 3.85
AL RAJHI BANK 3.21 3.31 3.36 3.51
ALLIANCE BANK 3.20 3.25 3.30 3.35
AMBANK 3.15 3.20 3.30 3.35
BANGKOK BANK 3.30 3.35 3.40 3.50
BANK ISLAM 3.30 3.35 3.40 3.60
BANK OF CHINA 3.15 3.25 3.30 3.40
BANK RAKYAT 3.40 3.48 3.60 3.85
BSN 3.20 3.25 3.30 3.65
CIMB 3.20 3.25 3.30 3.35
CITIBANK 2.90 2.90 2.95 2.95
HONG LEONG BANK 3.00 3.05 3.10 3.10
HONG LEONG BANK FLEXI - - - - - - 3.25
HSBC 2.90 3.00 3.10 3.15
ICBC BANK 3.15 3.25 3.30 3.45
INDIA INTERNATIONAL BANK 3.30 3.35 3.40 3.45
KUWAIT FINANCE HOUSE 3.20 3.30 3.35 3.90
MAYBANK 3.15 3.20 3.30 3.35
MBSB 3.35 3.40 3.50 3.65
MUAMALAT BANK 3.30 3.35 3.45 3.55
OCBC BANK 2.90 3.00 3.15 3.25
PUBLIC BANK 3.20 3.25 3.30 3.35
RHB 3.20 3.25 3.30 3.35
SCOTIA BANK 3.20 3.25 3.30 3.35
Standard Chartered 2.95 3.10 3.15 3.25
Sumitomo Mitsui Bank - MALAYSIA 3.20 3.25 3.30 3.40
UOB 2.95 3.05 3.15 3.25


e-FD

Month (%)
BANK 1 3 6 12
ALLIANCE BANK 3.20 3.25 3.30 3.35
AMBANK 3.15 3.20 3.30 3.35
BANK RAKYAT 3.30 3.38 3.50 3.70
CIMB 3.20 3.25 3.30 3.35
HONG LEONG BANK 3.00 3.05 3.10 3.10
HONG LEONG BANK 3.00 3.05 3.10 3.20
MAYBANK 3.15 3.20 3.30 3.35
PUBLIC BANK 3.20 3.25 3.30 3.35


SENIOR FD

Month (%)
BANK NAME 1 3 6 12
AGRO BANK FRIA-I 45 PLUS - - - - 3.45 3.85
ALLIANCE BANK Alliance FD Gold (RM30k) - - - - - - 3.45
AMBANK AM50PLUS - - - - 3.30 3.35
BSN BSN SENIOR CITIZEN ( RM5k - RM50k ) - - - - - - 3.55
BSN BSN SENIOR CITIZEN ( > RM50k) - - - - - - 3.60
HONG LEONG BANK HONG LEONG SENIOR SAVERS FLEXI FD - - - - - - 3.25
HONG LEONG BANK Harvest Savings Account 3.80 - - - - - -
MBSB 49'NERS 3.20 3.25 3.35 3.50
PUBLIC BANK PB GOLDEN 50 PLUS 3.30 3.35 3.40 3.45
RHB RHB SENIOR - - - - - - 3.35


SENIOR e-FD

Month (%)
BANK NAME 1 3 6 12
ALLIANCE BANK e-Alliance FD Gold - - - - - - 3.45


--------------------------------------------------------------------------------------------------------------

*注 :
(P) = Placement
(F) = Fresh
CASA = Current Account/Saving Account
ADB = Average Daily Balance

NOT FD

BANK Promo. End Cond. (Min) Month %
HONG LEONG BANK 2019-01-31 Priority Account,
ADB >=RM 20k <= RM 240k
1 2.80
MAYBANK 2019-01-31 Premier  1  Account  (PM1) ,
Incremental ADB,
>= RM 20 k <= RM 25 k
- - 0.80
MAYBANK 2019-01-31 Premier  1  Account  (PM1) ,
Incremental ADB,
> RM 25 k <= RM 50 k
- - 1.05
MAYBANK 2019-01-31 Premier  1  Account  (PM1) ,
Incremental ADB,
> RM 50 k <= RM 100 k
- - 1.90
MAYBANK 2019-01-31 Premier  1  Account  (PM1) ,
Incremental ADB,
> RM 100 k <= RM 200 k
- - 2.25
MAYBANK 2019-01-31 Premier  1  Account  (PM1) ,
Incremental ADB,
> RM 200 k <= RM 250 k
- - 2.55
MAYBANK 2019-01-31 Private Banking Account ,
Incremental ADB,
> RM 20 k <= RM 50 k
- - 1.10
MAYBANK 2019-01-31 Private Banking Account ,
Incremental ADB,
> RM 50 k <= RM 100 k
- - 2.30
MAYBANK 2019-01-31 Private Banking Account ,
Incremental ADB,
> RM 100 k <= RM 250 k
- - 2.80
MAYBANK 2019-01-31 Private Banking Account ,
Incremental ADB,
> RM 250 k <= RM 500 k
- - 2.95
MAYBANK 2019-01-31 Private Banking Account ,
Incremental ADB,
> RM 500 k <= RM 1 mil
- - 3.50
AMBANK 2019-03-31 AMGenius / Saver's G.A.N.G ,
<= RM 100 k
- - 3.20
AMBANK 2019-03-31 AMGenius / Saver's G.A.N.G ,
> RM 100 k
- - 1.20
MUAMALAT BANK 2019-03-31 Current Account,
< RM 20k
- - 0.99
MUAMALAT BANK 2019-03-31 Current Account,
>= RM 20k < RM 100k
- - 1.99
MUAMALAT BANK 2019-03-31 Current Account,
>= RM 100k < RM 500k
- - 2.50
MUAMALAT BANK 2019-03-31 Current Account,
>= RM 500k
- - 3.00
Standard Chartered 2019-12-31 < RM 50k - - 0.50
Standard Chartered 2019-12-31 > RM 50k < RM 150k - - 1.00
Standard Chartered 2019-12-31 > RM 150k < RM 500k - - 2.50
Standard Chartered 2019-12-31 > RM 500k < RM 3M - - 3.00
Standard Chartered 2019-12-31 > RM 3M - - 3.50
Standard Chartered 2019-12-31 0.50% p.a. base interest,
2.00 % p.a. for deposit min (F) RM 3k into Privilege Savings Account,
1.50 % p.a. for spend RM 1k on credit card,
2.00 % p.a. for investment and insurance min RM 1k
- - 6.00


Normal FD (Promotion)

Month (%)
BANK Promo. End Cond. (Min) 1 3 6 12
BANGKOK BANK 2019-02-12 (P) RM 5k - - 3.85 3.90 4.20
AMBANK 2019-03-31 Signed up for AmSPB membership, Meet Asset Under Management (AUM) >= RM 200k with AmBank,
Holds at least one AmStar Current Account (F) RM 10k
- - - - - - 4.40
MUAMALAT BANK 2019-04-14 (F) RM 10k - - - - 3.99 - -


BANK Promo. End Cond. (Min) Month %
BANGKOK BANK 2019-02-12 (P) RM 5k 9 3.90


Senior FD (Promotion)

Month (%)
BANK Promo. End Cond. (Min) 1 3 6 12


BANK Promo. End Cond. (Min) Month %


e-FD (Promotion)

Month (%)
BANK Promo. End Cond. (Min) 1 3 6 12
HONG LEONG BANK   2019-01-01 to 2019-01-07 (P) RM 10k - - - - 4.28 - -
HONG LEONG BANK   2019-01-14 (P) RM 10k - - - - 4.00 - -


BANK Promo. End Cond. (Min) Month %


--------------------------------------------------------------------------------------------------------------

各位, 若你手上有最新资料,
请填写

银行:
几个月:
利息 :
地点 :
截止日期 :
官方网站 (若有) :

若对任何银行不满,请游览 BANK NEGARA
回复

使用道具 举报

楼主
 楼主| 发表于 5-1-2019 03:24 PM | 显示全部楼层
资料已更新, 请查阅第一楼 ~

Current Promotion :

*注 :
(P) = Placement
(F) = Fresh
CASA = Current Account/Saving Account
ADB = Average Daily Balance

NOT FD

BANK Promo. End Cond. (Min) Month %
HONG LEONG BANK 2019-01-31 Priority Account,
ADB >=RM 20k <= RM 240k
1 2.80
MAYBANK 2019-01-31 Premier  1  Account  (PM1) ,
Incremental ADB,
>= RM 20 k <= RM 25 k
- - 0.80
MAYBANK 2019-01-31 Premier  1  Account  (PM1) ,
Incremental ADB,
> RM 25 k <= RM 50 k
- - 1.05
MAYBANK 2019-01-31 Premier  1  Account  (PM1) ,
Incremental ADB,
> RM 50 k <= RM 100 k
- - 1.90
MAYBANK 2019-01-31 Premier  1  Account  (PM1) ,
Incremental ADB,
> RM 100 k <= RM 200 k
- - 2.25
MAYBANK 2019-01-31 Premier  1  Account  (PM1) ,
Incremental ADB,
> RM 200 k <= RM 250 k
- - 2.55
MAYBANK 2019-01-31 Private Banking Account ,
Incremental ADB,
> RM 20 k <= RM 50 k
- - 1.10
MAYBANK 2019-01-31 Private Banking Account ,
Incremental ADB,
> RM 50 k <= RM 100 k
- - 2.30
MAYBANK 2019-01-31 Private Banking Account ,
Incremental ADB,
> RM 100 k <= RM 250 k
- - 2.80
MAYBANK 2019-01-31 Private Banking Account ,
Incremental ADB,
> RM 250 k <= RM 500 k
- - 2.95
MAYBANK 2019-01-31 Private Banking Account ,
Incremental ADB,
> RM 500 k <= RM 1 mil
- - 3.50
AMBANK 2019-03-31 AMGenius / Saver's G.A.N.G ,
<= RM 100 k
- - 3.20
AMBANK 2019-03-31 AMGenius / Saver's G.A.N.G ,
> RM 100 k
- - 1.20
MUAMALAT BANK 2019-03-31 Current Account,
< RM 20k
- - 0.99
MUAMALAT BANK 2019-03-31 Current Account,
>= RM 20k < RM 100k
- - 1.99
MUAMALAT BANK 2019-03-31 Current Account,
>= RM 100k < RM 500k
- - 2.50
MUAMALAT BANK 2019-03-31 Current Account,
>= RM 500k
- - 3.00
PUBLIC BANK 2019-03-31 RM 5k,
PB Bright Star Savings Account (PBBS) ,
WISE Savings Account (WISE) ,
PLUS Fixed Deposit (PLUS FD)
15 4.35
Standard Chartered 2019-12-31 < RM 50k - - 0.50
Standard Chartered 2019-12-31 > RM 50k < RM 150k - - 1.00
Standard Chartered 2019-12-31 > RM 150k < RM 500k - - 2.50
Standard Chartered 2019-12-31 > RM 500k < RM 3M - - 3.00
Standard Chartered 2019-12-31 > RM 3M - - 3.50
Standard Chartered 2019-12-31 0.50% p.a. base interest,
2.00 % p.a. for deposit min (F) RM 3k into Privilege Savings Account,
1.50 % p.a. for spend RM 1k on credit card,
2.00 % p.a. for investment and insurance min RM 1k
- - 6.00


Normal FD (Promotion)

Month (%)
BANK Promo. End Cond. (Min) 1 3 6 12
BANGKOK BANK 2019-02-12 (P) RM 5k - - 3.85 3.90 4.20
OCBC BANK 2019-02-19 (F) RM 10k - - - - - - 4.15
AMBANK 2019-03-31 Signed up for AmSPB membership, Meet Asset Under Management (AUM) >= RM 200k with AmBank,
Holds at least one AmStar Current Account (F) RM 10k
- - - - - - 4.40
MUAMALAT BANK 2019-04-14 (F) RM 10k - - - - 3.99 - -


BANK Promo. End Cond. (Min) Month %
BANGKOK BANK 2019-02-12 (P) RM 5k 9 3.90


Senior FD (Promotion)

Month (%)
BANK Promo. End Cond. (Min) 1 3 6 12


BANK Promo. End Cond. (Min) Month %


e-FD (Promotion)

Month (%)
BANK Promo. End Cond. (Min) 1 3 6 12
HONG LEONG BANK   2019-01-01 to 2019-01-07 (P) RM 10k - - - - 4.28 - -
HONG LEONG BANK   2019-01-14 (P) RM 10k - - - - 4.00 - -
PUBLIC BANK   2019-03-31 (P) RM 5k - - 3.40 3.45 3.80


BANK Promo. End Cond. (Min) Month %
PUBLIC BANK 2019-03-31 (P) RM 5k 9 3.50
PUBLIC BANK 2019-03-31 (P) RM 5k 15 3.90


--------------------------------------------------------------------------------------------------------------

各位, 若你手上有最新资料,
请填写

银行:
几个月:
利息 :
地点 :
截止日期 :
官方网站 (若有) :

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发表于 5-1-2019 05:55 PM | 显示全部楼层
沙发,支持楼主开fd贴~

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发表于 6-1-2019 03:17 PM | 显示全部楼层
谢谢楼主分享,e-fd是不是可以上网申请的?

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发表于 6-1-2019 04:09 PM | 显示全部楼层
hoohoo18 发表于 6-1-2019 03:17 PM
谢谢楼主分享,e-fd是不是可以上网申请的?

e-fd 本来就是上网申请呀.......
但利息会比 paper fd 少很多......

午餐时间后就赶快跑去银行开 fd 户口......

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发表于 6-1-2019 06:44 PM | 显示全部楼层
本帖最后由 草莓花 于 6-1-2019 10:50 AM 编辑

我 FD 只放一个月
每月到期自动更新
免得突然需要用钱,浪费掉利息


请问
Bank Rakyat  放一个月有 3.4 %
我现在放在 Public 一个月是 3.2%
如果我把钱,全部拿去放 Bank Rakyat 这间银行安全吗 ?


Bank Rakyat 我完全没研究
从来没开过户口


外国银行 CITIBANK
给到那么低 2.9%
是不是比较安全
所以他们不需要靠 FD 吸引人放钱进去?



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发表于 6-1-2019 06:49 PM | 显示全部楼层
本帖最后由 草莓花 于 6-1-2019 10:52 AM 编辑

我一路来,对 FD 研究不多
想请教


去年 FD 突然升一点
例如 Public 一个月升到 3.2%
是什么原因呢


现在大马经济弱
是不是意味着 未来 FD 利息跌 ?
但去年 2018 大马经济也没起
为何 FD 反而起少少 ?


另外两个问题
为何 土耳其 经济那么糟糕
他们所有银行 FD 给到那么高
超过 17%
好羡慕


我们大马
90年代 曾经给到 7%
当时经济好
但后来 1997 金融风暴
给更高,超过 10%


我真的糊涂了
到底 经济好, FD起,还是跌
新加坡经济好
偏偏他们 FD 很低
比我们低
欧美,中国 也比我们低


有谁可以教教我
万分感谢

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发表于 6-1-2019 07:49 PM | 显示全部楼层
林冠英 今天鼓励大家,把钱拿去玩股票
他说,大马人 放太多钱在 FD, 超过 马币 8000亿
敷衍人民 : 玩股票
你们认同 林冠英 吗 ?

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发表于 7-1-2019 09:08 AM | 显示全部楼层
quadro 发表于 6-1-2019 04:09 PM
e-fd 本来就是上网申请呀.......
但利息会比 paper fd 少很多......

午餐时间后就赶快跑去银行开 fd 户口......

因为看到bank rakyat有e-fd不过我上网看了找不到,我本身是有bank rakyat的网银账户的

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发表于 11-1-2019 11:37 PM | 显示全部楼层
草莓花 发表于 6-1-2019 06:49 PM
我一路来,对 FD 研究不多
想请教


去年 FD 突然升一点
例如 Public 一个月升到 3.2%
是什么原因呢


现在大马经济弱
是不是意味着 未来 FD 利息跌 ?
但去年 2018 大马经济也没起
为何 FD 反而起少少 ...

很简单,银行要现钱不素给fd高咯,银行不急要现钱不素给少咯,所以小银行都给特别高利息,大银行就吃饱卖包给普通利息~

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发表于 11-1-2019 11:44 PM | 显示全部楼层
草莓花 发表于 6-1-2019 06:44 PM
我 FD 只放一个月
每月到期自动更新
免得突然需要用钱,浪费掉利息


请问
Bank Rakyat  放一个月有 3.4 %
我现在放在 Public 一个月是 3.2%
如果我把钱,全部拿去放 Bank Rakyat 这间银行安全吗 ?


Ba ...

一看就知道你素新手,老手素不会放3%利息的,肯定aim promotion利息4%以上~

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发表于 12-1-2019 04:21 PM 来自手机 | 显示全部楼层
神垂死 发表于 11-1-2019 11:44 PM
一看就知道你素新手,老手素不会放3%利息的,肯定aim promotion利息4%以上~

Hlb有4.280% 6个月,但是给,efd

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发表于 12-1-2019 07:24 PM | 显示全部楼层
t.c.l 发表于 12-1-2019 04:21 PM
Hlb有4.280% 6个月,但是给,efd

老子的fd还有1个月半就到期了,今年真他妈银行吝啬,全部都给少少利息,连promotion农历新年的利息也特别低,看来银行不缺钱~

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发表于 12-1-2019 08:39 PM | 显示全部楼层
神垂死 发表于 12-1-2019 07:24 PM
老子的fd还有1个月半就到期了,今年真他妈银行吝啬,全部都给少少利息,连promotion农历新年的利息也特别低,看来银行不缺钱~

有4%以上都好咯

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楼主
 楼主| 发表于 12-1-2019 09:13 PM | 显示全部楼层
资料已更新,请查阅第一楼 ~

Current Promotion :

*注 :
(P) = Placement
(F) = Fresh
CASA = Current Account/Saving Account
ADB = Average Daily Balance

NOT FD

BANK Promo. End Cond. (Min) Month %
HONG LEONG BANK 2019-01-31 Priority Account,
ADB >=RM 20k <= RM 240k
1 2.80
MAYBANK 2019-01-31 Premier  1  Account  (PM1) ,
Incremental ADB,
>= RM 20 k <= RM 25 k
- - 0.80
MAYBANK 2019-01-31 Premier  1  Account  (PM1) ,
Incremental ADB,
> RM 25 k <= RM 50 k
- - 1.05
MAYBANK 2019-01-31 Premier  1  Account  (PM1) ,
Incremental ADB,
> RM 50 k <= RM 100 k
- - 1.90
MAYBANK 2019-01-31 Premier  1  Account  (PM1) ,
Incremental ADB,
> RM 100 k <= RM 200 k
- - 2.25
MAYBANK 2019-01-31 Premier  1  Account  (PM1) ,
Incremental ADB,
> RM 200 k <= RM 250 k
- - 2.55
MAYBANK 2019-01-31 Private Banking Account ,
Incremental ADB,
> RM 20 k <= RM 50 k
- - 1.10
MAYBANK 2019-01-31 Private Banking Account ,
Incremental ADB,
> RM 50 k <= RM 100 k
- - 2.30
MAYBANK 2019-01-31 Private Banking Account ,
Incremental ADB,
> RM 100 k <= RM 250 k
- - 2.80
MAYBANK 2019-01-31 Private Banking Account ,
Incremental ADB,
> RM 250 k <= RM 500 k
- - 2.95
MAYBANK 2019-01-31 Private Banking Account ,
Incremental ADB,
> RM 500 k <= RM 1 mil
- - 3.50
AMBANK 2019-03-31 AMGenius / Saver's G.A.N.G ,
<= RM 100 k
- - 3.20
AMBANK 2019-03-31 AMGenius / Saver's G.A.N.G ,
> RM 100 k
- - 1.20
MUAMALAT BANK 2019-03-31 Current Account,
< RM 20k
- - 0.99
MUAMALAT BANK 2019-03-31 Current Account,
>= RM 20k < RM 100k
- - 1.99
MUAMALAT BANK 2019-03-31 Current Account,
>= RM 100k < RM 500k
- - 2.50
MUAMALAT BANK 2019-03-31 Current Account,
>= RM 500k
- - 3.00
PUBLIC BANK 2019-03-31 RM 5k,
PB Bright Star Savings Account (PBBS) ,
WISE Savings Account (WISE) ,
PLUS Fixed Deposit (PLUS FD)
15 4.35
Standard Chartered 2019-12-31 < RM 50k - - 0.50
Standard Chartered 2019-12-31 > RM 50k < RM 150k - - 1.00
Standard Chartered 2019-12-31 > RM 150k < RM 500k - - 2.50
Standard Chartered 2019-12-31 > RM 500k < RM 3M - - 3.00
Standard Chartered 2019-12-31 > RM 3M - - 3.50
Standard Chartered 2019-12-31 0.50% p.a. base interest,
2.00 % p.a. for deposit min (F) RM 3k into Privilege Savings Account,
1.50 % p.a. for spend RM 1k on credit card,
2.00 % p.a. for investment and insurance min RM 1k
- - 6.00


Normal FD (Promotion)

Month (%)
BANK Promo. End Cond. (Min) 1 3 6 12
ALLIANCE BANK 2019-01-31 (P) RM 30k FD,
RM 10k CASA,
2019-01-04,
2019-01-11,
2019-01-18,
2019-01-25,
2019-01-31  
- - 5.00 - - - -
PUBLIC BANK   2019-01-31 (F) RM 10k - - - - 4.00 4.20
BANGKOK BANK 2019-02-12 (P) RM 5k - - 3.85 3.90 4.20
OCBC BANK 2019-02-19 (F) RM 10k - - - - - - 4.15
MAYBANK 2019-02-28 (F) RM 100k,
Maybank Privilege
- - - - 4.00 - -
MAYBANK 2019-02-28 (P) RM 100k,
Maybank Privilege
- - - - 3.90 - -
MAYBANK 2019-02-28 (F) RM 250k,
Maybank Private or Maybank Premier
- - - - - - 4.28
MAYBANK 2019-02-28 (P) RM 250k,
Maybank Private or Maybank Premier
- - - - - - 4.18
AL RAJHI BANK 2019-03-31 (P) RM 10k - - - - 4.21 4.36
AMBANK 2019-03-31 Signed up for AmSPB membership, Meet Asset Under Management (AUM) >= RM 200k with AmBank,
Holds at least one AmStar Current Account (F) RM 10k
- - - - - - 4.40
MUAMALAT BANK 2019-04-14 (F) RM 10k - - - - 3.99 - -


BANK Promo. End Cond. (Min) Month %
BANGKOK BANK 2019-02-12 (P) RM 5k 9 3.90
RHB BANK 2019-02-28 (F) RM 10k 5 4.25


Senior FD (Promotion)

Month (%)
BANK Promo. End Cond. (Min) 1 3 6 12


BANK Promo. End Cond. (Min) Month %


e-FD (Promotion)

Month (%)
BANK Promo. End Cond. (Min) 1 3 6 12
HONG LEONG BANK   2019-02-28 (P) RM 10k - - 4.18 4.28 - -
PUBLIC BANK   2019-03-31 (P) RM 5k - - 3.40 3.45 3.80
RHB BANK   2019-03-31 (P) RM 5k - - 4.00 - - - -


BANK Promo. End Cond. (Min) Month %
PUBLIC BANK 2019-03-31 (P) RM 5k 9 3.50
PUBLIC BANK 2019-03-31 (P) RM 5k 15 3.90


--------------------------------------------------------------------------------------------------------------

各位, 若你手上有最新资料,
请填写

银行:
几个月:
利息 :
地点 :
截止日期 :
官方网站 (若有) :

若对任何银行不满,请游览 BANK NEGARA
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发表于 12-1-2019 10:49 PM | 显示全部楼层

上一年4.38,今年4.20,没眼看~

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楼主
 楼主| 发表于 19-1-2019 01:59 PM | 显示全部楼层
资料已更新, 请查阅第一楼 ~

SENIOR FD

Month (%)
BANK NAME 1 3 6 12
AGRO BANK FRIA-I 45 PLUS - - - - 3.45 3.85
ALLIANCE BANK Alliance FD Gold (RM30k) - - - - - - 3.45
AMBANK AM50PLUS - - - - 3.30 3.35
BSN BSN SENIOR CITIZEN ( RM5k - RM50k ) - - - - - - 3.55
BSN BSN SENIOR CITIZEN ( > RM50k) - - - - - - 3.60
HONG LEONG BANK HONG LEONG SENIOR SAVERS FLEXI FD - - - - - - 3.25
HONG LEONG BANK Harvest Savings Account 3.80 - - - - - -
KUWAIT FINANCE HOUSE Senior International Commodity Murabahah - - 3.35 3.40 3.95
MBSB 49'NERS 3.20 3.25 3.35 3.50
PUBLIC BANK PB GOLDEN 50 PLUS 3.30 3.35 3.40 3.45
RHB RHB SENIOR - - - - - - 3.35


--------------------------------------------------------------------------------------------------------------

Current Promotion :

*注 :
(P) = Placement
(F) = Fresh
CASA = Current Account/Saving Account
ADB = Average Daily Balance

NOT FD

BANK Promo. End Cond. (Min) Month %
HONG LEONG BANK 2019-01-31 Priority Account,
ADB >=RM 20k <= RM 240k
1 2.80
MAYBANK 2019-01-31 Premier  1  Account  (PM1) ,
Incremental ADB,
>= RM 20 k <= RM 25 k
- - 0.80
MAYBANK 2019-01-31 Premier  1  Account  (PM1) ,
Incremental ADB,
> RM 25 k <= RM 50 k
- - 1.05
MAYBANK 2019-01-31 Premier  1  Account  (PM1) ,
Incremental ADB,
> RM 50 k <= RM 100 k
- - 1.90
MAYBANK 2019-01-31 Premier  1  Account  (PM1) ,
Incremental ADB,
> RM 100 k <= RM 200 k
- - 2.25
MAYBANK 2019-01-31 Premier  1  Account  (PM1) ,
Incremental ADB,
> RM 200 k <= RM 250 k
- - 2.55
MAYBANK 2019-01-31 Private Banking Account ,
Incremental ADB,
> RM 20 k <= RM 50 k
- - 1.10
MAYBANK 2019-01-31 Private Banking Account ,
Incremental ADB,
> RM 50 k <= RM 100 k
- - 2.30
MAYBANK 2019-01-31 Private Banking Account ,
Incremental ADB,
> RM 100 k <= RM 250 k
- - 2.80
MAYBANK 2019-01-31 Private Banking Account ,
Incremental ADB,
> RM 250 k <= RM 500 k
- - 2.95
MAYBANK 2019-01-31 Private Banking Account ,
Incremental ADB,
> RM 500 k <= RM 1 mil
- - 3.50
AMBANK 2019-03-31 AMGenius / Saver's G.A.N.G ,
<= RM 100 k
- - 3.20
AMBANK 2019-03-31 AMGenius / Saver's G.A.N.G ,
> RM 100 k
- - 1.20
MUAMALAT BANK 2019-03-31 Current Account,
< RM 20k
- - 0.99
MUAMALAT BANK 2019-03-31 Current Account,
>= RM 20k < RM 100k
- - 1.99
MUAMALAT BANK 2019-03-31 Current Account,
>= RM 100k < RM 500k
- - 2.50
MUAMALAT BANK 2019-03-31 Current Account,
>= RM 500k
- - 3.00
PUBLIC BANK 2019-03-31 RM 5k,
PB Bright Star Savings Account (PBBS) ,
WISE Savings Account (WISE) ,
PLUS Fixed Deposit (PLUS FD)
15 4.35
Standard Chartered 2019-12-31 < RM 50k - - 0.50
Standard Chartered 2019-12-31 > RM 50k < RM 150k - - 1.00
Standard Chartered 2019-12-31 > RM 150k < RM 500k - - 2.50
Standard Chartered 2019-12-31 > RM 500k < RM 3M - - 3.00
Standard Chartered 2019-12-31 > RM 3M - - 3.50
Standard Chartered 2019-12-31 0.50% p.a. base interest,
2.00 % p.a. for deposit min (F) RM 3k into Privilege Savings Account,
1.50 % p.a. for spend RM 1k on credit card,
2.00 % p.a. for investment and insurance min RM 1k
- - 6.00


Normal FD (Promotion)

Month (%)
BANK Promo. End Cond. (Min) 1 3 6 12
ALLIANCE BANK 2019-01-31 (P) RM 30k FD,
RM 10k CASA,
2019-01-04,
2019-01-11,
2019-01-18,
2019-01-25,
2019-01-31  
- - 5.00 - - - -
PUBLIC BANK   2019-01-31 (F) RM 10k - - - - 4.00 4.20
BANGKOK BANK 2019-02-12 (P) RM 5k - - 3.85 3.90 4.20
OCBC BANK 2019-02-19 (F) RM 10k - - - - - - 4.15
MAYBANK 2019-02-28 (F) RM 100k,
Maybank Privilege
- - - - 4.00 - -
MAYBANK 2019-02-28 (P) RM 100k,
Maybank Privilege
- - - - 3.90 - -
MAYBANK 2019-02-28 (F) RM 250k,
Maybank Private or Maybank Premier
- - - - - - 4.28
MAYBANK 2019-02-28 (P) RM 250k,
Maybank Private or Maybank Premier
- - - - - - 4.18
AL RAJHI BANK 2019-03-31 (P) RM 10k - - - - 4.21 4.36
AMBANK 2019-03-31 Signed up for AmSPB membership, Meet Asset Under Management (AUM) >= RM 200k with AmBank,
Holds at least one AmStar Current Account (F) RM 10k
- - - - - - 4.40
MUAMALAT BANK 2019-04-14 (F) RM 10k - - - - 3.99 - -


BANK Promo. End Cond. (Min) Month %
BANGKOK BANK 2019-02-12 (P) RM 5k 9 3.90
RHB BANK 2019-02-28 (F) RM 10k 5 4.25


Senior FD (Promotion)

Month (%)
BANK Promo. End Cond. (Min) 1 3 6 12


BANK Promo. End Cond. (Min) Month %


e-FD (Promotion)

Month (%)
BANK Promo. End Cond. (Min) 1 3 6 12
HONG LEONG BANK   2019-02-28 (P) RM 10k - - 4.18 4.28 - -
PUBLIC BANK   2019-03-31 (P) RM 5k - - 3.40 3.45 3.80
RHB BANK   2019-03-31 (P) RM 5k - - 4.00 - - - -


BANK Promo. End Cond. (Min) Month %
AMBANK 2019-02-28 (P) RM 10k 8 4.28
PUBLIC BANK 2019-03-31 (P) RM 5k 9 3.50
PUBLIC BANK 2019-03-31 (P) RM 5k 15 3.90


--------------------------------------------------------------------------------------------------------------

各位, 若你手上有最新资料,
请填写

银行:
几个月:
利息 :
地点 :
截止日期 :
官方网站 (若有) :

若对任何银行不满,请游览 BANK NEGARA
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