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Citibank Maxigain Savings Account

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Old 04-12-2018, 10:38 PM   #4171
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Take out money is not closing account mah
$15 fee per month if the TRB is below $15k
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Old 05-12-2018, 09:58 AM   #4172
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CIMB safe a nt LOL

cant move my $$ there.. stuck.
Btw, min for citibank 15k to avoid bank charge?
CIMB is very safe Singapore regulated bank. I have been with them for many year.

Internet banking may looks bit dated but it is fast and simple to understand.

Plus they have a branch in Orchard rd that opens till 8pm at nite.

Only thing to note is their FAST transfer is still limited to 50K /day.
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Old 05-12-2018, 10:52 PM   #4173
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Old 05-12-2018, 11:52 PM   #4174
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ok la considering fact sibor has been rising, effectively still around 2.4% with stepup
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Old 06-12-2018, 06:38 AM   #4175
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What? Been reading this info for months. Not sudden surprise.
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Old 06-12-2018, 07:04 AM   #4176
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If I close within 6month, I must pay $50 ah!?
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Old 06-12-2018, 07:37 AM   #4177
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If I close within 6month, I must pay $50 ah!?
Check with the bank
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Old 06-12-2018, 03:37 PM   #4178
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Have to go to the main bank to close account right? Those citi under the mrt say cannot close.

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i called and the cso said empty the account and call their hotline for immediate closure.
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Old 06-12-2018, 04:24 PM   #4179
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so sad.. only able to earn 3mth so next yr..

15K can get how much interest?
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Old 06-12-2018, 04:30 PM   #4180
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If you are still at low counter, not worth it to maintain 70k earning low interest. By the time you reach the max counter, they may change their T&C again.
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Old 06-12-2018, 04:31 PM   #4181
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y ur this list.. the table not same as my??

http://www.citibank.com.sg/maxigain2019/


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Old 06-12-2018, 07:47 PM   #4182
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If you are still at low counter, not worth it to maintain 70k earning low interest. By the time you reach the max counter, they may change their T&C again.
Everyone has to start somewhere, best to start now. It took 3 years before they changed the TnC. Early adopters like me already earned 2+% interest for the last 2 years. If you don't start, you won't get anywhere.
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Old 06-12-2018, 07:53 PM   #4183
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Everyone has to start somewhere, best to start now. It took 3 years before they changed the TnC. Early adopters like me already earned 2+% interest for the last 2 years. If you don't start, you won't get anywhere.
Many other options availabile, 70k is a huge opportunity cost.
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Old 06-12-2018, 08:22 PM   #4184
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Many other options availabile, 70k is a huge opportunity cost.
the opportunity cost is 15k , not 70k. maybe even less if u dont mind the fall below fees.

opinion is even if they change the TnC, they will try to keep it within ~2-2.5% total ... only not worth it if u know u wont be able to have 70k even after one year when the counters are maxed.
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Old 07-12-2018, 10:55 AM   #4185
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usually when you guys want to make a withdrawal on this account, is there a good period (ie 2nd , 3rd week) so that the interest is not affected too much ... even though i planning to close this before end of the year.
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