**LexusIS** wrote:
Maxigain will do. Put with other bank promo rates 1st until counter increase, lots of promo rates right now

Transfer to Maxigain when the (base + bonus) interest rate collectively > FD rate.

If Sibor is 1.5%, then base = 0.8 * 1.5 = 1.2%

So if counter 8, then interest = 1.2 + 0.7 = 1.9%, i.e. I think higher than the current FD rate of 1.85%