BOC SmartSaver

[Trazora]

Dear experts, judging from the new interest rate wef from 1dec, for my situation whereby I have about 30k and I can only fulfil spending of $500 and making 3 payments, is uob one a better option for me? I'm not too sure if my table is correct appreciate any inputs, if my calculation is wrong. Thanks.

If you spend $500 and make 3 payment, you will be getting 0.8%(card spend)+0.35%(payment)+0.35%base=1.5%.

If you spend $500 and make 3 payment, salary credit less than 6k, you will be getting 0.8%(card spend)+0.35%(payment)+0.8%(salary)+0.35%base=2.3%. Likewise the interest for the $60k row for UOB One should be $1215+0.05%*$10k=$1220

Btw the $60k rows for BOC is wrong, should be 1.55% and 2.35% respectively. It is only the amounts above $60k that are getting on 1%. Eg $70k savings, $60k gets 1.55% or 2.35%, $10k gets 1%

Btw can share why you asking about a scenario without salary crediting?

 

[piyozz]

If you spend $500 and make 3 payment, you will be getting 0.8%(card spend)+0.35%(payment)+0.35%base=1.5%.

If you spend $500 and make 3 payment, salary credit less than 6k, you will be getting 0.8%(card spend)+0.35%(payment)+0.8%(salary)+0.35%base=2.3%. Likewise the interest for the $60k row for UOB One should be $1215+0.05%*$10k=$1220

Btw the $60k rows for BOC is wrong, should be 1.55% and 2.35% respectively. It is only the amounts above $60k that are getting on 1%. Eg $70k savings, $60k gets 1.55% or 2.35%, $10k gets 1%

Btw can share why you asking about a scenario without salary crediting?

Because salary after deduction on cpf still can't hit $2000 that's why... It's not that I don't want

 

[saintgtril]

Hi all, do not forget to use the debit mastercard to clock the 500 credit card spend bonus before 1st Dec 16. Do it quickly!

 

[Flex11]

HR can't credit salary to BOC means my max is only 1.55%.

I might as well use OCBC360 and eSaver

Bye bye BOC!!

 

[fortunecat]

Hi all, do not forget to use the debit mastercard to clock the 500 credit card spend bonus before 1st Dec 16. Do it quickly!

Anymore tips how to fulfil the 500 spending after Dec? Still cannot understand why prudential insurance dun allow payment by BOC cards, really idiot!

Sent from LGE LG-H815 using GAGT

 

[caltex88]

Hi all, do not forget to use the debit mastercard to clock the 500 credit card spend bonus before 1st Dec 16. Do it quickly!

Can I used it on Oct boc credit card payment? Does it counts towards the $500.

 

[FrontierX]

Supposed 100k, which Two accounts to use?

60k in ocbc and remaining in boc?

How about if 130k?

60k in ocbc and 70k in boc?

I have not thought about uob cause I dun have their cArds and lazy to transfer over balances unless it is really attractive

 

[Trazora]

Supposed 100k, which Two accounts to use?

60k in ocbc and remaining in boc?

How about if 130k?

60k in ocbc and 70k in boc?

I have not thought about uob cause I dun have their cArds and lazy to transfer over balances unless it is really attractive

It depends. You just need to know the bonus interest you be getting and the corresponding requirements, and also the card rebate. After that calculate the interest+rebate you be getting.

 

[zumaba]

I am going to credit my salary into BOC SmartSaver account.

HR is asking what is the branch code. anyone knows? thanks.

 

[lewissac]

Now I fully understand what it means by poor english. Tried to call customer service just now. And a non-native English speaker with strong chinese accent was attending me. Sigh....

Btw, anyone experience your internet banking being forced logout after you login successfully? Subsequently my internet baking got blocked cuz it says multiple failed login. I never failed a single login at whole since I'm using it.... wtf..

 

[cybercom8]

when is a good time to close the account? i can't close on dec 1 because have to wait for the rest of the bonus interest to be in right?

 

[cybercom8]

Now I fully understand what it means by poor english. Tried to call customer service just now. And a non-native English speaker with strong chinese accent was attending me. Sigh....

Btw, anyone experience your internet banking being forced logout after you login successfully? Subsequently my internet baking got blocked cuz it says multiple failed login. I never failed a single login at whole since I'm using it.... wtf..

i spoke to their tele staff 3 times...2 times i can barely understand what the other party was saying...1 time was pretty ok

 

[lewissac]

i spoke to their tele staff 3 times...2 times i can barely understand what the other party was saying...1 time was pretty ok

Agree. Call in again this morning. Sigh... another disappointment. Can't even understand the meaning of continuous failed login. zzzzz...

My concern is Im afraid someone might tap onto my acc. (if thats possible) and then transfer out/use them without notifying).... which Im not sure if it could happen. Which I why I call in to ask my account status.

IN any case, anyone have encountered this frequently?

My first time encountering, and I have not failed logging in consecutively at all.

 

[fortunecat]

Now I fully understand what it means by poor english. Tried to call customer service just now. And a non-native English speaker with strong chinese accent was attending me. Sigh....

Btw, anyone experience your internet banking being forced logout after you login successfully? Subsequently my internet baking got blocked cuz it says multiple failed login. I never failed a single login at whole since I'm using it.... wtf..

Able to talk to them in mandarin?

Sent from LGE LG-H815 using GAGT

 

[lewissac]

Able to talk to them in mandarin?

Sent from LGE LG-H815 using GAGT

Pretty much not a mandarin speaker myself. Cantonese can accept?

 

[kennethtbh]

Pretty much not a mandarin speaker myself. Cantonese can accept?

Possible to go down to branch during lunch or sth? I think ur account may have been locked hence preventing u from logging in.

 

[jovialger]

Anyone tried to do bill payment recently? I tried from both online browser and via BOC mobile app, trying to do a scheduled bill payment for BOC credit card for future dates, and got the error message ïllegal added (modified) appointment date.

Is scheduled payment no longer possible? Any others with same experience or advice? Thanks!

 

[hyperbole]

Anyone tried to do bill payment recently? I tried from both online browser and via BOC mobile app, trying to do a scheduled bill payment for BOC credit card for future dates, and got the error message ïllegal added (modified) appointment date.

Is scheduled payment no longer possible? Any others with same experience or advice? Thanks!

if i remember correctly, if you try to do scheduled payment on the next day it will have this error, must choose a date further in advance.

 

[vince123123]

The staff at the branch speak good English. Could try that as well. Those at the tele-centre speak accented English.

Pretty much not a mandarin speaker myself. Cantonese can accept?

 

[cybercom8]

Agree. Call in again this morning. Sigh... another disappointment. Can't even understand the meaning of continuous failed login. zzzzz...

My concern is Im afraid someone might tap onto my acc. (if thats possible) and then transfer out/use them without notifying).... which Im not sure if it could happen. Which I why I call in to ask my account status.

IN any case, anyone have encountered this frequently?



My first time encountering, and I have not failed logging in consecutively at all.

best to sort it out at the branch and then test your login on the spot.