Standchart eSaver

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NTTDoCoMo

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maumu said:
Only the base interest, not bonus interest yet. Probably 2 May since today is public holiday.
Click to expand...

I gotten the bonus interest, the description is BONUS INTEREST PAYMENT FOR THE PERIOD 2019-04-0
 
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EveMuffins

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I'm going to apply for esaver account. May I know if they still issue hardware token?
 
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rabboni

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Do you have to open the account on the first day of the month to get the bonus interest?

For example if I open the account on 25 May, then I will only get the bonus interest for 24-31 May then June becomes no bonus interest if no incremental bonus?
 
revhappy

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rabboni said:
Do you have to open the account on the first day of the month to get the bonus interest?

For example if I open the account on 25 May, then I will only get the bonus interest for 24-31 May then June becomes no bonus interest if no incremental bonus?
Click to expand...

Apr and May are part of the promotion. June we don't know if promotion will be there or not.

But yes, if promotion is there then better to open account on 1st June instead of 25th may. If not as you said won't be considered as incremental funds.
 
henrylbh

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rabboni said:
Do you have to open the account on the first day of the month to get the bonus interest?

For example if I open the account on 25 May, then I will only get the bonus interest for 24-31 May then June becomes no bonus interest if no incremental bonus?
Click to expand...

The promotion period is from 1 Apr to 31 May.

From my understanding, any daily balance during the promotion period exceeding the ADB in Mar will be entitled to bonus interest.

Likely the next promotion period will be 1 Jun to 31 Jul and balance during the next promotion period will be compared to May's ADB. In your case, even if there is no fresh fund in Jun, you will not be paid the bonus interest for Jun.
 
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henrylbh said:
The promotion period is from 1 May to 30 Jun.

From my understanding, any daily balance during the promotion period exceeding the ADB in Apr will be entitled to bonus interest.

In your case, even if there is no fresh fund in Jun, you will still be paid the bonus interest for Jun.
Click to expand...

current esaver promo?
It's 1 April to 31 May 2019, with reference to March ADB.

While Maybank isavVy current promo is 1 May to 30 June, with reference to April ADB.
 
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vsvs24

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rabboni said:
Do you have to open the account on the first day of the month to get the bonus interest?

For example if I open the account on 25 May, then I will only get the bonus interest for 24-31 May then June becomes no bonus interest if no incremental bonus?
Click to expand...

As pointed out by Squaredot, esaver cycle is
1 April to 31 May 2019, with reference to March ADB.

Suggest that you open the account on 1 June to participate in the new new cycle instead of 25 May. The new cycle is likely to be June to Jul using May as reference month. So you should keep May bal as 0 or as low as you can. If you want to open the account earlier so that you are ready to move in funds on 1 Jun then just place the min 1k.

If you do not have 200k, Maybank isavvy is better. Current promo is 1 May to 30 June, with reference to April ADB. Min 10k only.

Esaver and Maybank need to switch funds every 2 mths or so. Good to have both. Suggest to put in eSaver in June. Wait for Maybank promo for July to be announced. Last year Maybank Jul to Dec use June as reference mth so best to keep Maybank Jun bal low in case there is a repeat.
 
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taotato

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vsvs24 said:
As pointed out by Squaredot, esaver cycle is
1 April to 31 May 2019, with reference to March ADB.

Suggest that you open the account on 1 June to participate in the new new cycle instead of 25 May. The new cycle is likely to be June to Jul using May as reference month. So you should keep May bal as 0 or as low as you can. If you want to open the account earlier so that you are ready to move in funds on 1 Jun then just place the min 1k.

If you do not have 200k, Maybank isavvy is better. Current promo is 1 May to 30 June, with reference to April ADB. Min 10k only.

Esaver and Maybank need to switch funds every 2 mths or so. Good to have both. Suggest to put in eSaver in June. Wait for Maybank promo for July to be announced. Last year Maybank Jul to Dec use June as reference mth so best to keep Maybank Jun bal low in case there is a repeat.
Click to expand...

How to switch between esaver and Maybank every 2 months when their 2 months period are not aligned properly with each other? Sorry I’m still not getting it. Thanks
 
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pinpinpin

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taotato said:
How to switch between esaver and Maybank every 2 months when their 2 months period are not aligned properly with each other? Sorry I’m still not getting it. Thanks
Click to expand...

usually first of the month just FAST in and FAST out will do.
 
henrylbh

henrylbh

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Squaredot said:
current esaver promo?
It's 1 April to 31 May 2019, with reference to March ADB.

While Maybank isavVy current promo is 1 May to 30 June, with reference to April ADB.
Click to expand...

Sorry I amended my post cause I mistaken the promo period of Maybank with that of SCB.
 
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