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定期存款讨论区(Part 1)

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发表于 25-7-2014 08:00 PM | 显示全部楼层
nakata017 发表于 25-7-2014 03:48 PM
今天跑完 3 家银行回来, 发觉到 bank rakyat 的 rate 没变动
还是在 3.9% P.A, 看来像楼上所说的 ocbc off ...

请问OCBC促销最低要存多少?
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发表于 25-7-2014 08:09 PM | 显示全部楼层
svefZ 发表于 25-7-2014 08:00 PM
请问OCBC促销最低要存多少?

这个我不清楚呢, 我都是在这里爬帖看网友的回复才知道
猜测的话应该是 10k 吧, 大多数的银行都是 10k

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参与人数 2人气 +8 收起 理由
kingofsleeper + 3 谢谢分享
svefZ + 5 谢谢分享^^

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发表于 25-7-2014 11:48 PM | 显示全部楼层
目前觉得rhb最高~15个月 不过有casa 5%要放三个月~平均算到来有4.1% 本帖最后由 YuNG8755 于 25-7-2014 11:50 PM 编辑

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发表于 25-7-2014 11:50 PM | 显示全部楼层
https://t.groupon.my/r?tsToken=M ... m_campaign%3D201933
有人留意到UOB的FD吗?
不是很清楚,值得吗
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发表于 27-7-2014 06:58 PM | 显示全部楼层
casa是什么意思呢?
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发表于 27-7-2014 08:36 PM | 显示全部楼层
*penny* 发表于 27-7-2014 06:58 PM
casa是什么意思呢?

就在也页都有人问过了,请爬贴了解。
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发表于 27-7-2014 09:23 PM | 显示全部楼层
nakata017 发表于 25-7-2014 03:48 PM
今天跑完 3 家银行回来, 发觉到 bank rakyat 的 rate 没变动
还是在 3.9% P.A, 看来像楼上所说的 ocbc off ...

放3个月,3.60%,8% OF TOTAL DEPOSIT AMOUNT
放3个月,4.00%,30% OF TOTAL DEPOSIT AMOUNT

放六个月就3.70%没有任何REQUIREMENT...

有什么分别呢?不太明白
可以解释吗?

谢谢~


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发表于 27-7-2014 10:51 PM | 显示全部楼层
*penny* 发表于 27-7-2014 09:23 PM
放3个月,3.60%,8% OF TOTAL DEPOSIT AMOUNT
放3个月,4.00%,30% OF TOTAL DEPOSIT AMOUNT

如果你放 10k 的话, 他们给你 3.6% 的利息

可是条件是你必需将 10k 里的 8% 存进 casa 户口里面

也就是说不是完全 10k 可以进到 FD 里, 就只有 9.2k 是 FD 而 800 是 casa

casa = current account or savings account, 这两者是有利息可是不比 FD 利息来得高

应该就只有 RM1 或 RM2 吧

* 有错请纠正吧, 其实我也还没试过开 FD 加存钱进 CASA
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发表于 27-7-2014 10:52 PM | 显示全部楼层
*penny* 发表于 27-7-2014 06:58 PM
casa是什么意思呢?

2387# 楼已经有解释 CASA 的意思了
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发表于 27-7-2014 11:04 PM | 显示全部楼层
tboontan 发表于 13-7-2014 02:52 PM
转帖一句语录,

John Lee指出,现在就开始投资,放在银行的钱,是银行拿去投资赚钱,存款人错失投资机会 ...

或许大家觉得放 FD 比投资其它产品来得稳吧

也需要看哪个年龄层去投资其它产品

偶看过一本书穷爸爸富爸爸
穷人存钱进银行, 他们为钱而做工
有钱人向银行借钱, 由钱为他们做工
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发表于 28-7-2014 01:41 PM | 显示全部楼层
nakata017 发表于 27-7-2014 10:51 PM
如果你放 10k 的话, 他们给你 3.6% 的利息

可是条件是你必需将 10k 里的 8% 存进 casa 户口里面

好的~谢谢你~
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发表于 29-7-2014 02:41 PM 来自手机 | 显示全部楼层
注意:不同国家的回酬本金会因货币的对换率而改变。                                        Sina Bank 1 Year Fixed Term Deposit                iran        22.00%       
Sina Bank 6 Month Fixed Term Deposit                iran        16.00%         
Bank of Baroda Uganda 1 Year Fixed Deposit                uganda        12.00%         
Bank of Syria and Overseas 1 Year Fixed Deposit                syria        10%         
CBZ Bank 3 Month Fixed Deposit                zimbabwe        10.00%         
Bank of Baroda Uganda 6 Month Fixed Deposit                uganda        10.00%         
KBZ Bank 1 Year Fixed Deposit                myanmar        10.00%         
Canara Bank 1 Year Fixed Deposit                india        9.36%         - INR - Jul, 2014       
FNB 5 Year Fixed Deposit                south africa        9.28%       
IBDI Bank 1 Year Fixed Deposit                india        9.10%         
PNB 1 Year Fixed Deposit                india        9.00%         
HDFC 1 Year Fixed Deposit                india        9.00%         
Union Bank of India 1 Year Fixed Deposit                india        9.00%       
Axis Bank 1 Year Fixed Deposit                india        9.00%         
ADB 1 Year Fixed Deposit                ghana        8.90%         
HDFC 6 Month Fixed Deposit                india        8.75%         
Bank of Baroda 1 Year Fixed Deposit                india        8.75%         
IBDI Bank 3 Month Fixed Deposit                india        8.50%         
IBDI Bank 6 Month Fixed Deposit                india        8.50%         
CRDB Bank 1 Year Fixed Deposit                tanzania        8.50%         
Axis Bank 6 Month Fixed Deposit                india        8.50%         
ADB 6 Month Fixed Deposit                ghana        8.30%         
HSBC India 1 Year Fixed Deposit                india        8.25%         
HDFC 3 Month Fixed Deposit                india        8.25%         
Axis Bank 1 Year Fixed Deposit                india        8.25%         
ADB 3 Month Fixed Deposit                ghana        8.20%         
ICICI 1 Year Fixed Deposit                india        8.00%          
Citibank India 1 Year Fixed Deposit                india        7.98%
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SBI 6 Month Fixed Deposit                india        7.75%         - INR - May, 2014       
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SBI 3 Month Fixed Deposit                india        7.75%         
Bank of Ceylon 1 Year Fixed Deposit                sri lanka        7.50%         This is a Rupee denominated deposit product that with interest paid at maturity for a 1 year term - LKR - Jul, 2014       
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Investec 1 Year Fixed Deposit                south africa        7.10%         The rate for the 'fixed term deposit' product is period effective and for a 1 year or 12 month te - ZAR - Jul, 2014       
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Acleda Bank 1 Year Fixed Deposit                cambodia        7.00%         The interest rate return per annum on this KHR denominated account is for a time frame from 12 mo - KHR - Jul, 2014       
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Bank of Baroda Uganda 3 Month Fixed Deposit                uganda        7.00%         The indicated shillings denominated FD interest rate ranges for a three month to less than a six - UGX - Jul, 2014       
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Bank of Ceylon 6 Month Fixed Deposit                sri lanka        7.00%         The interest rate indicated is for a six month/180 day FD for general citizens. It requires a min - LHR - Jul, 2014       
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NCB 1 Year Fixed Deposit                jamaica        6.95%         The interest rate for this NCB local fixed deposit is for a 7-12 month term and requires a balanc - JMD - Jul, 2014       
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Vietcombank 1 Year Fixed Deposit                vietnam        6.80%         The associated interest yield is for a 12 month term and denominated in the VND currency.  - VND - Jul, 2014       
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Rosbank 1 Year Fixed Term Deposit                russia        6.80%         Rate is applicable for 12 months and requires greater than by 4000000 Rubles without capitalizati - RUB - Jul, 2014       
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Bank of Ceylon 3 Month Fixed Deposit                sri lanka        6.50%         The interest rate indicated is for a six month/90 day FD for general citizens that requires a min - LHR - Jul, 2014       
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Nedbank 1 Year Fixed Deposit                south africa        6.27%         The interest rates is applicable for clients younger then 55 years of age and interest options in - ZAR - Jul, 2014       
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ADB 1 Month Fixed Deposit                ghana         6.20%         The interest rate indicated requires a deposit balance from 500,000.00 - 999,999.99 for this 1 mo - GHS - Jul, 2014       
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FNB 1 Year Fixed Deposit                south africa        6.06%         The Interest rates (effective) applicable on this fixed deposit is for a 12 month / 1 year period - ZAR - Jul, 2014       
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Capitec Bank 1 Year Fixed Term Deposit                south africa        6.00%         The following Interest Rate for fixed term account is applicable for a term ranging from 7 to 12 - ZAR - Jul, 2014       
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Acleda Bank 6 Month Fixed Deposit                cambodia        6.00%         The account is a KHR denominated deposit account for an interest rate with a tenor ranging from 6 - KHR - Jul, 2014       
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Rosbank 3 Month Fixed Term Deposit                russia        5.85%         The interest rate return applies for the Вклад "Выk - RUB - Jul, 2014       
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Standard Bank 1 Year Fixed Deposit                south africa        5.85%         - Rate is 'Ordinary Fixed Deposits' for 12 months and for balances from R10 000 to R99 999 with i - ZAR - Jul, 2014       
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Capitec Bank 6 Month Fixed Term Deposit                south africa        5.75%         The following Interest Rates are for the Capitec Bank Product 'Fixed Term Savings Plan / Multiple - ZAR - Jul, 2014       
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FNB 6 Month Fixed Deposit                south africa        5.67%         The (effective) interest rate for this fixed rate deposit is for a six month term with - ZAR - Jul, 2014       
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Nedbank 6 Month Fixed Deposit                south africa        5.66%         For this account the interest rates applies to Nedbank clients younger then 55 years o - ZAR - Jul, 2014       
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Rosbank 1 Month Fixed Term Deposit                russia        5.65%         Interest rate yield is applicable for a 1 month RUB deposit and requires greater than by 4000000 - RUB - Jul, 2014       
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Bank of Ceylon 1 Month Fixed Deposit                sri lanka        5.50%         The interest rate is for a one month FD for general citizens that requires a minimum of minimum R - LHR - Jul, 2014       
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Nedbank 3 Month Fixed Deposit                south africa        5.32%         The interest rate for this fixed deposit account is for a term of 88 days or approx 3 months and - ZAR - Jul, 2014       
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ABSA 1 Year Fixed Deposit                south africa        5.30%         Rate is applicable for a term of 12 months / 1 year fixed period and requires deposits of greater - ZAR - Jul, 2014       
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FNB 3 Month Fixed Deposit                south africa        5.12%         This fixed deposit account interest rates displayed is for the 'interest(effective)' rate and for - ZAR - Jul, 2014       
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Standard Bank 3 Month Fixed Deposit                south africa        5.10%         The interest rate is for the 'Ordinary Fixed Deposits' product ranges for the term period from 3 - ZAR - Jul, 2014       
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ABSA 6 Month Fixed Deposit                south africa        5.05%         The interest rate for this fixed period of 6 months as indicated requires greater than R 10, - ZAR - Jul, 2014       
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Acleda Bank 3 Month Fixed Deposit                cambodia        5.00%         The interest rate return per annum on this KHR denominated account is for a time frame from 3 mon - KHR - Jul, 2014       
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Standard Bank 1 Month Fixed Deposit                south africa        5.00%         The interest rate is for the 'Ordinary Fixed Deposits' product for term of 1 month (ranges 33 Day - ZAR - Jul, 2014       
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ABSA 1 Month Fixed Deposit                south africa        4.59%         The interest rate indicated is applicable for the ABSA 1 Month deposit product and requires a min - ZAR - Jul, 2014       
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FNB 1 Year Fixed Deposit                Botswana        4.25%         12 month rate - P250 000 - P999 999 - BWP - Jul, 2014       
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FNB 1 Month Fixed Deposit                south africa        4.00%         The rate refers to the one month FD product and is calculated with interest rate being nominal ra - ZAR - Jul, 2014       
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Cambodian Public Bank 1 Year Fixed Deposit                cambodia        3.50%         The rate is applicable in denominated USD and for a 12 month or 1 year term period.&nb - USD - Jul, 2014       
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MCB 1 Year Fixed Deposit                mauritius        3.455%         - Rate is Savings Rate MCB Rate + .320% with Minimum Deposit to open: Rs 50,000. Rate is interest - MUR - Jul, 2014       
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RHB 1 Year Fixed Deposit                malaysia        3.20%         Interest Rate is applicable for a 12 month / 1 year period, same rate applies for residents and n - MYR - Jul, 2014       
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Public Bank 1 Year Fixed Deposit                malaysia        3.15%         FD Interest Rates are for a 12 month / 1 year period, please note rates are not applicable to non - MYR - Jul, 2014       
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Maybank 1 Year Fixed Deposit                malaysia        3.15%         Rate is applicable for 12 month period with a minimum RM1,000 deposit. - MYR - Jul, 2014       
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CIMB Bank 1 Year Fixed Deposit                malaysia        3.15%         The interest rate for this FD account is for a 12 month tenure for Tier 1. It requires a minimum - MYR - Jul, 2014       
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AmBank 1 Year Fixed Deposit                malaysia        3.15%         The rate indicated is applicable to the 'conventional fixed deposit rates' and the 'AmOnline Rate - MYR - May, 2014       
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Maybank 6 Month Fixed Deposit                malaysia        3.10%         The interest rate is applicable for the 6 month FD rate and is eligible for protection by PIDM re - MYR - Jul, 2014       
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Hong Leong Bank 1 Year Fixed Deposit                malaysia        3.10%         Rate is applicable for 12 month fixed period. - MYR - Jul, 2014       
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RHB 6 Month Fixed Deposit                malaysia        3.10%         The 'ordinary fixed deposit' product from RHB requires a minimum of RM500 for FD Tenure of 2 mont - MYR - Jul, 2014       
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Public Bank 6 Month Fixed Deposit                malaysia        3.10%         The interest rates are applicable for a 6 month tenure and with FD rates not available to non-res - MYR - Jul, 2014       
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Maybank 3 Month Fixed Deposit                malaysia        3.05%         This FD account is for a 3 month tenure which requires a minimum investment of RM1000 for tenures - MYR - Jul, 2014       
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RHB 3 Month Fixed Deposit                malaysia        3.05%         The RHB FD is a 'ordinary fixed deposit' product which is for a term of 3 months and requires a m - MYR - Jul, 2014       
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Public Bank 3 Month Fixed Deposit                malaysia        3.05%         The interests for this FD account is applicable for a 3 month tenure and requires a minimum depos - MYR - Jul, 2014       
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Acleda Bank 1 Month Fixed Deposit                cambodia        3.00%         The yield for this 1 month KHR denominated deposit account is for the type 'Hi-Growth Fixed Depos - KHR - Jul, 2014       
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HSBC Sri Lanka 1 Year Fixed Deposit                sri lanka        2.78%         The HSBC deposit interest rate is applicable for a 1 year / 12 month term using the annual effect - LKR - Jul, 2014       
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SpareBank 1 SR Bank 1 Year Fixed Deposit                norway        2.65%         The interest rate is applicable for a 12 month / 1 year term with a minimum of kr 50,000 NOK and - NOK - Jul, 2014       
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Fokus Bank 1 Year Fixed Deposit                norway        2.40%         The interest is for a 1 year term / 12 month and requires a deposit 25 000 Krone NOK. - NOK - Jul, 2014       
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ING Italia 1 Year Fixed Term Deposit                italy        1.90%         Rate is applicable for the fixed term of 12 months and based on the base rate. Note newer account - EUR - Jul, 2014       
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Bank of Valletta 1 Year Fixed Deposit                malta        1.75%         - Minimum Balance in Euro is 200 for the balances from 25,000 and over. - EUR - Jul, 2014       
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Krung Thai Bank 1 Fixed Deposit                thailand        1.75%         KTB Interest rates are applicable for a 12 month / 1 year term ( - THB - Jul, 2014       
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Bangkok Bank Fixed Deposit                thailand        1.75%         - Rate is fixed for 12 months for a local Individual. - THB - Jul, 2014       
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United Arab Bank 1 Year Fixed Deposit                united arab emirates        1.75%         For the published AED denominated 12month/1year deposit rate we require a minimum of 5 - AED - Jul, 2014       
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SCB 1 Year Fixed deposit                thailand        1.70%         Siam Commercial Bank 12 month / 1 year Interest rate applicable for 1000 million Baht and Over - THB - Jul, 2014       
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Kasikorn Bank 1 Year Fixed Deposit                thailand        1.70%         This annual interest rate is for 'individuals' and is for a 12 month / 1 year term and is for the - THB - May, 2014       
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Nordea 1 Year Fixed Deposit                sweden        1.60%         Rate is applicable for the term of 12 months. - SEK - Jul, 2014       
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Halifax 2 Year Fixed Rate Bond                united kingdom        1.60%         The interest rate AER for this product is for a 2 year term and requires a minimum for deposit of - GBP - Jul, 2014       
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HSBC UK 2 Year Fixed Rate Bond                united kingdom        1.45%         Interest Rate applies to the HSBC 'fixed rate saver' product which has Interest paid monthly. De - GBP - Jul, 2014       
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Halifax 1 Year Fixed Rate Bond                united kingdom        1.40%         This Halifax 'Fixed Online Saver' product is for a 12 month / 1 year term with interest rate and - GBP - Jul, 2014       
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United Arab Bank 6 Month Fixed Deposit                united arab emirates        1.40%         For the published AED denominated deposit rate we require a minimum of 5 million plus. - AED - Jul, 2014       
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Nationwide 1 Year Fixed Rate Bond                united kingdom        1.40%         Rate is for a '1 year e-bond' for the balance range from 1 - 5,000,000. The AER interest is ann - GBP - Jul, 2014       
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RBS 2 Year Fixed Rate Bond                united kingdom        1.35%         Rate is for the RBS '2 Year Fixed Rate Bond AER with with Interest Paid Annually Only. - GBP - Jul, 2014       
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NatWest 2 Year Fixed Rate Bond                united kingdom        1.35%          本帖最后由 小海盗 于 29-7-2014 03:03 PM 编辑

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发表于 30-7-2014 11:03 PM | 显示全部楼层
小海盗 发表于 29-7-2014 02:41 PM
注意:不同国家的回酬本金会因货币的对换率而改变。                                        Sina Bank 1  ...

zimbabwe 呢? 很好奇,想知道
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发表于 30-7-2014 11:40 PM 来自手机 | 显示全部楼层
tboontan 发表于 30-7-2014 11:03 PM
zimbabwe 呢? 很好奇,想知道

zimbabwe 最高的rate10%。对于高风险的地域,我想可能我们须要1个货币对冲以免它国货币贬值。
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发表于 31-7-2014 10:59 PM | 显示全部楼层
UOB groupon。http://www.groupon.my/deals/klang-valley-kuala-lumpur/uob-1/718683520
利息不是很高。70%放FD而已,等于2.8%。好处是有送luggage sets.
只限新客户-只有信用卡没有户口的算吗?

这样子算对吗?其实没有差很多,以bank rakyat来比较
uob FD.jpg


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发表于 6-8-2014 09:09 AM | 显示全部楼层
bank rakyat 很奇怪,
人低他高,人高他低!
2012,2013时 他给 12个月=4.01%!
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发表于 6-8-2014 11:54 AM | 显示全部楼层
helloevie 发表于 31-7-2014 10:59 PM
UOB groupon。http://www.groupon.my/deals/klang-valley-kuala-lumpur/uob-1/718683520
利息不是很高。70 ...

只限新客户-只有信用卡没有户口的算吗?- 我也想知道..
相差RM10可以拿3个luggage,也值了吧...

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发表于 9-8-2014 09:47 PM | 显示全部楼层
请问目前最值得放定期的银行是哪一间呢?谢谢。
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发表于 10-8-2014 04:41 PM | 显示全部楼层
问一个问题啊
withdraw只能在你放fd的分行吗?
如果在其他州withdraw得到吗?

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参与人数 1人气 +1 收起 理由
gekgek + 1 no. home bank only

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发表于 12-8-2014 10:58 AM | 显示全部楼层
@gekgek,谢谢回复~~~
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