Standchart eSaver

Mickey01

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I'm just missing by 12 cents, which is around 0.01% margin (1.89% instead of 1.9%).

Not a big deal but have never deviated more than 1 cent before, so a bit puzzled why the significantly larger deviation this time.

Have double-checked all the daily balances.
you already verify the estatement End Day Balance vs your daily recorded balance?
 

Mickey01

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err.. just look at own account balance records right?
what I meant was
1. If you are not using excel keeping track of your daily balance, you can use the estatment end day balance into excel, use excel formula for ADB and then calculate the bonus (to verfiy if SCB did pay out the correct balance)

2. If you are using excel keeping track of your daily balance, then you can also cross check your excel end day balance vs estatement end day balance. Usually it is data entry error (funds in/funds out in excel) or value date/ credit date difference. Or incremental ADB error (if you are not on Exclusive Invite)

I never cross check every month. Once is a while I will self audit check. Turns out SCB always right :)
 

maumu

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what I meant was
1. If you are not using excel keeping track of your daily balance, you can use the estatment end day balance into excel, use excel formula for ADB and then calculate the bonus (to verfiy if SCB did pay out the correct balance)

2. If you are using excel keeping track of your daily balance, then you can also cross check your excel end day balance vs estatement end day balance. Usually it is data entry error (funds in/funds out in excel) or value date/ credit date difference. Or incremental ADB error (if you are not on Exclusive Invite)

I never cross check every month. Once is a while I will self audit check. Turns out SCB always right :)
I belong to #2.

Have all along maintained an Excel spreadsheet to keep tab on the daily end-day balances so as to forecast things like ADB, base interest, etc.

so for the month of Oct I have already cross-checked twice with the monthly statement as well as the daily transaction records in the banking app.

anyway... will just consider it's an anomaly and hopefully won't repeat again next month
 

sgboy85

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Guys, for the $1000 SC cc spending can I use it on Singapore power utility? Coz per month my bill will be sgd500.

Understand HDB conservancy cannot be included.
 

Cookie Muncher

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For the current eSaver promo, I deposited $A fresh funds in October.

If I leave the same $A in November, will it earn Nov Bonus Interest?
 
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