BOC SmartSaver

[Trazora]

why yytd i go try HSBC ATM5 , wanna withdraw $200 but saw there say will have a 50c surcharge

I did not try hsbc atm5 before. You chose savings account?

 

[bumdssa]

Change from giro to debit card spend?

considering to do so too. but need to cancel the giro all. anyone have experience on this?

 

[hyperbole]

considering to do so too. but need to cancel the giro all. anyone have experience on this?

Just call in and cancel. And if you pay your bills way in advance of the due date, no giro deductions will be made as well.

 

[bumdssa]

Just call in and cancel. And if you pay your bills way in advance of the due date, no giro deductions will be made as well.

call the billing organization or call the bank? i supposed they will be send me bills after i cancel? cos i dont receive any bills mthly.

 

[hyperbole]

call the billing organization or call the bank? i supposed they will be send me bills after i cancel? cos i dont receive any bills mthly.

Which organisations are those? You should receive bills whether or not you pay via giro

Call the billing organisation

 

[bumdssa]

Which organisations are those? You should receive bills whether or not you pay via giro

Call the billing organisation

great eastern. i have never received any bills though. wait, could it be some installment payment? like pay mthly instead of a full year premium. gotta check.

 

[IcYFl4mEz]

I did not try hsbc atm5 before. You chose savings account?

yup savings.. it notify me that 50c will be deduct bef the cash is dispense out.

 

[letissier07]

Not all the hsbc atms are atm5 capable. Those with atm5 logo will not charge you. Those without will charge.

Sent from using GAGT

 

[IcYFl4mEz]

Not all the hsbc atms are atm5 capable. Those with atm5 logo will not charge you. Those without will charge.

Sent from using GAGT

i cfm saw a atm5 logo there, at the PS HSBC, near innisfree there.

 

[versionx]

hi guys.. any recommendation of BOC branch for account opening in the west?
The one i visited has very slow service.. no chance to open their account and told me need 1 hour plus waiting time

 

[hyperbole]

hi guys.. any recommendation of BOC branch for account opening in the west?
The one i visited has very slow service.. no chance to open their account and told me need 1 hour plus waiting time

Raffles place is ok

 

[stjoe1]

Go to Katong branch near Katong 112 Mall on Saturday.. Less or no queue..

Raffles place is ok

 

[agenda]

Any thoughts on this plan of action?

Thinking of using this plan solely as a savings account and assuming a base interest rate of 0.25% for simplicity.

I will credit salary for additional 1%
I will make a monthly payment of $600 via CC for additional 1.55% (student loan repayment)

My total interest rate will be 2.8%

A few questions:

1) If i withdraw/transfer a percentage of my balance every month to another account (since this is a savings account), does it affect my interest rate? Plan above still valid

2) My current bill payments are for Singtel and MyRepublic. May pay for gym membership or insurance monthly. I checked the merchants available, only Singtel is available. Any alternatives to hit 3? Possible to pay my bills via CC then use this account to pay for that CC since a lot of banks are available as payment organizations.

Thanks!

 

[Trazora]

hi guys.. any recommendation of BOC branch for account opening in the west?
The one i visited has very slow service.. no chance to open their account and told me need 1 hour plus waiting time

jurong east westgate no queue

 

[sbs199]

1. Base interest in tiered. The higher daily average balance you have, the higher interest you enjoy.

2. Amount doesn't matter, number of transactions matter. I made 3 transactions of 5 dollars to my 3 credit cards every month

Any thoughts on this plan of action?

Thinking of using this plan solely as a savings account and assuming a base interest rate of 0.25% for simplicity.

I will credit salary for additional 1%
I will make a monthly payment of $600 via CC for additional 1.55% (student loan repayment)

My total interest rate will be 2.8%

A few questions:

1) If i withdraw/transfer a percentage of my balance every month to another account (since this is a savings account), does it affect my interest rate? Plan above still valid

2) My current bill payments are for Singtel and MyRepublic. May pay for gym membership or insurance monthly. I checked the merchants available, only Singtel is available. Any alternatives to hit 3? Possible to pay my bills via CC then use this account to pay for that CC since a lot of banks are available as payment organizations.

Thanks!

 

[chuanz]

jurong east westgate no queue

I think more important is the day and time to go bah... Mondays and Fridays usually most crowded.
(pened mine in Causeway Point on one fine Wednesday lunch time, only waited a minute for the teller to take her seat behind the counter then my number flash liao )

 

[ice_angel]

Westgate super long queue on Saturday..

 

[Trazora]

Westgate super long queue on Saturday..

Oic. I should have qualified that usually no queue on weekday 5plus pm

 

[chopra]

Qn of e day.
Effective rate of 3.55% pa, given monthly...is 3.6% right? Assuming u park lesser than $49640 for a year.

Sent from ew line is so sloooow using GAGT

 

[Trazora]

Qn of e day.
Effective rate of 3.55% pa, given monthly...is 3.6% right? Assuming u park lesser than $49640 for a year.

Sent from ew line is so sloooow using GAGT

No. 3.55% is assuming more than 50k average monthly balance, up to 60k.