standard chartered 存款5%利息

Thx2012

５％到１２月就没有了？是不是现在存，然后５％的利息只能算到今年１２月。

那明年又多少％？

helloevie

回复 19# directs

一月就不知道有几巴仙了，要看有什么新的promotion。
我都说我只是赚些蝇头小利罢了。不过我还有其他目的正好需要开一个standard chartered户口。
可是standard chartered真的有很多好康（我再一次很好奇他们赚什么？）我有些同事有开过２＋＋％的saving account（powerp＠y）。不过现在没有offer了。

helloevie

回复 21# ~@Star@~


    有固定工作吧？
standard chart还跑来我们公司宣传，所以我开supersalary都没有什么问题。
不然就开esaver，不过我不了解户口详情，只知道atm卡一年８块。

helloevie

回复 20# ~@Star@~


    现有客户要注意的是九月份前存的钱不算喔！
要top up３０００以上。

wahking

这个是fd来的???

甲骨文

这个是fd来的???
wahking 发表于 12-10-2011 10:07 PM

    不是，saving account来的

helloevie

回复 26# wahking


    不是fd，你的钱可以进出，但是average daily balance要超过3000才能享有优惠。
我好像变成代言人，可不可以跟standard chartered讨薪水?

6.1	“ADB” means the average daily balance in an account or accounts in a calendar month. ADB is calculated as follows:
	For accounts opened in October 2011    ADB in October = Total of day-end balances in the account from account opening date to end of October Number of days for which the account was open in October ADB in November or December = Total of day-end balances in the account every day in that month Number of days in that month
	Example
	Ms B opens her account on 22 October 2011. The total of day-end balances in her account in October 2011 is RM150,000. Ms B's account has been open for 10 days in October 2011. The ADB in that account forOctober 2011 = RM150000] / 10 days = RM15000. For November 2011, the total of day-end balances in that account is RM200,000. There are 30 days in November. The ADB in that account for November 2011 = RM200,000 / 30 days = RM6,666.66

leowjc

一得知5%又回来了，10月1号我啦啦声丢钱进户口了，明年1月1号准时拿钱，走人，呵呵。。。

~@Star@~

Existing customers need to top-up a minimum incremental ADB of RM3,000 into the Promotion Account in October. To get the special rate in each month of the bonus period, customer's incremental ADB across all his Standard Chartered Bank Malaysia Berhad and Standard Chartered Saadiq Berhad savings and current accounts must be equal to or more than the incremental ADB of his Promotion Account.

这段有点不明白 ， 是讲现有的客户在只能在 10月份里存款要 超过 rm3000 才能享有 这promotion ， 而在11月和12月份里 再 存进的钱就没有的有 5% ？？

leowjc

回复 30# ~@Star@~

我去银行问过，只要top up RM3000，就可享有5%。

比如说，10月1日之前，户口有10000；10月1日之后存3000进户口变成13000既可享有5%。

pok814

Existing customers need to top-up a minimum incremental ADB of RM3,000 into the Promotion Account in ...
~@Star@~ 发表于 17-10-2011 03:47 PM

Example:
For existing customer:
Sept 已经有了 10000
Oct （promo start ) min 要存 rm 3000 to obtain 5%。所以 Oct 的balance 是 13000，可是 10000 的 只有 0.6%p.a 而 3000才有5%p.a
Nov 如果你又再top up 3000，Nov的balance 是 16000，就是 13000 的 只有 0.6%p.a 而 3000才有5%p.a.
Dec 你top up 2000，Dec的balance 是 18000，就是 16000 的 只有 0.6%p.a 而 2000也是 0.6%p.a，因为没符合到要求 = min 要存 rm 3000 to obtain 5%。
你每个月一定要top up 3000 才有 5% on fresh fund only。0.6%p.a 是esavers本来的利息。感觉这5% promo 不是很好的的东西。我刚call问 scb customer service,他们是这样和我解释。

跛co

天下没有免费的午餐

pok814

天下没有免费的午餐
跛co 发表于 18-10-2011 01:29 PM

很赞成你的说法

跛co

既然它可以给你这么高的利息背后1定隐藏很多条例。

leowjc

Example:
For existing customer:
Sept 已经有了 10000
Oct （promo start ) min 要存 rm 3000 to obt ...
pok814 发表于 18-10-2011 01:14 PM

我刚问过两个customer service，他们和我说的不是这样。他们说的是向我上面说过的。
sept 已经有了10000
oct 存进3000，存款=13000
只要保持13000，就可以享有13000的5%p.a.

georgeyewbp

Example:
For existing customer:
Sept 已经有了 10000
Oct （promo start ) min 要存 rm 3000 to obt ...
pok814 发表于 18-10-2011 01:14 PM

有矛盾，如果这样算，10月过了，11月我把13000 拿出来 再放回去是不是达到要求呢？

georgeyewbp

我刚问过两个customer service，他们和我说的不是这样。他们说的是向我上面说过的。
sept 已经有了100 ...
leowjc 发表于 18-10-2011 07:46 PM

去年的就是这样，希望今年也是如此。

pok814

有矛盾，如果这样算，10月过了，11月我把13000 拿出来 再放回去是不是达到要求呢？
georgeyewbp 发表于 18-10-2011 08:26 PM

我也有这样问那个officer,她说不可以，拿出来了就不qualified 5% 了
我读他们的T&C 很多篇都不明白（for existing customer)
希望算法好像楼上所说的

helloevie

t n d 有例子 http://www.standardchartered.com.my/personal-banking/latest-promotions/deposit/esaverpromo/tnc.html
我的understanding for existing customer 是，你如果今天才加钱，至少要加RM8455才有（incremental ADB 3000 = 8455*这个月剩余的11天/31天）。如果这个月有达标，下个月只要保持不需要加钱。如果没有达标，下个月加钱也没有用了。
还有更复杂的情况是如果你有其他所谓的CASA account，你的ADB要高过esaver或supersalary的……

还是新用户比较好

Existing Customers

7.1	For Existing Customers, Bonus Payments will be paid on the Incremental ADB in their Promotion Accounts in each month of the Bonus Period.
7.2	To be eligible for Bonus Payments in any month of the Bonus Period:
	(a) an Existing Customer must have an Incremental ADB in that Promotion Account of at least RM3,000 during the Promotion Period. Customers who do not satisfy that minimum incremental criteria will not be eligible for any Bonus Payments in that account even if they achieve a higher Incremental ADB in later months; and (b) the overall Incremental ADB in that Existing Customer's CASA Accounts in that month must be equal to or more than the Incremental ADB in their Promotion Account in that month.
7.3	The Incremental ADB on which Bonus Payments are payable each month is subject to a maximum of RM500,000 per account. Any Incremental ADB exceeding this maximum amount will not earn Bonus Payments.
	Example: Existing Customer with an existing e$aver account
	Customer's e$aver ADB for September 2011 is RM30,000. His ADB in that account during the Promotion Period is RM50,000, therefore his Incremental ADB for October 2011 (RM50,000 – RM30,000) is more than RM3,000. This means he is eligible for Bonus Payment during the Bonus Period as long as his e$aver Incremental ADB is at least RM3,000 and CASA Accounts Incremental ADB is equal to or more than his e$aver Incremental ADB in each month.
	Month (2011) CASA Accounts ADB Promotion Account ADB Eligible for Bonus Payment? Amount eligible for Bonus Payments Sept RM50,000 RM30,000 NA NA Oct RM80,000 Incremental ADB = RM30,000 RM50,000 Incremental ADB = RM20,000 Y RM20,000 Nov RM600,000 Incremental ADB = RM550,000 RM550,000 Incremental ADB = RM520,000 Y RM500,000 (maximum) Dec RM150,000 Incremental ADB = RM100,000 RM150,000 Incremental ADB = RM120,000 N NIL

XiaoFeiXiang

回复 29# leowjc


    就是说每个月都要进最少3k才能享有5%，还是做account进一次就可以了？


(posted by mobile)