央行公告各行庫升息狀況 - 銀行
By Lydia
at 2022-09-23T19:47
at 2022-09-23T19:47
Table of Contents
亮點：
臺銀數位存款升息到 1.7% 啦！
升息的有 004/005/006/007/008/009/017/050，809的鉅額定存也升了不少
來源：央行 https://www.cbc.gov.tw/public/data/bkrldc.txt
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※ 文章網址: https://www.ptt.cc/bbs/Bank_Service/M.1663933641.A.33C.html
※ 編輯: jefflin555 (1.171.131.87 臺灣), 09/23/2022 19:48:06
臺銀數位存款升息到 1.7% 啦！
升息的有 004/005/006/007/008/009/017/050，809的鉅額定存也升了不少
來源：央行 https://www.cbc.gov.tw/public/data/bkrldc.txt
--
※ 文章網址: https://www.ptt.cc/bbs/Bank_Service/M.1663933641.A.33C.html
※ 編輯: jefflin555 (1.171.131.87 臺灣), 09/23/2022 19:48:06
→ jefflin555: 凱基七個月1.3%，但要存兩億哈哈 09/23 19:49
→ peter98: 廢到笑的利率... 09/23 19:55
推 almanch: 轉美金存吧 09/23 20:54
→ p155239: 好奇，其他數位存款有升嗎 09/23 20:56
推 iahope: 台銀美金換匯，9個月年息3.5。 不用謝我 09/23 21:11
推 ce0336ce: 渣打美金四個月年息3.88%，但要有300萬。 09/23 21:17
→ motekaya: 美元台幣一來一回 就被吃掉1%多了 所以真正年息沒那麼高 09/23 21:20
→ motekaya: 還是乖乖放台幣高利活存或定存就好了 不貪心XD 09/23 21:21
推 PitzMan: 樓上，以現在的匯差，來回不會到1%~ 09/23 21:45
→ PitzMan: 以現在來回匯差 0.2/31.6 09/23 21:46
→ motekaya: 0.3%是買賣差 而至少0.7%以上 通常是一年高利美元定存到 09/23 21:53
→ motekaya: 期後 台幣反而走強的換匯差:( 09/23 21:54
→ motekaya: 歷史不會重來 但會驚人的相似 09/23 21:54
→ KuwaK: 來回匯差不算讓分不是才0.1元 09/23 21:55
→ motekaya: 每次各種高利美元定存專案出來 大概一年後 美元就不強勢 09/23 21:55
→ motekaya: 回k大 是0.1沒錯 所以0.1/31 大概 買賣差就先被吃掉0.3% 09/23 21:59
→ motekaya: 不過 讓分的話 買賣的損失 就可以縮小到0.22% 09/23 22:00
→ motekaya: 但這都不是重點 重點是存滿到期後 換回來的的匯率跟今天 09/23 22:01
→ motekaya: 的匯率 才是吃掉你最多利息的地方:( 09/23 22:03
推 hsx1002: 台銀我大哥 09/23 22:47
推 skyringcha: 請問哪裡有台銀數位到1.7% 找半天找不到 09/23 22:53
→ invidia: 臺銀數存利率是一年期定儲機動利率+0.36% 09/23 22:58
推 Kazamatsuri: 等新的公告啦～ 09/23 23:01
→ invidia: @motekaya 想問m大 如果換匯成美元後 不打算匯回台幣 09/23 23:04
推 iahope: 讓3分，買賣匯差約0.22%沒錯，但我不懂之前說的1%是指? 09/23 23:17
推 KuwaK: 買賣都讓3分 0.04/31.6 只有0.126% 09/23 23:42
推 TZUYIC: 臺銀VIP美金優惠3.5分，玉山、聯邦一般客戶直接優惠3.5分 09/23 23:48
→ TZUYIC: 這樣差距就更小囉～ 09/23 23:49
→ TZUYIC: 台新在特定日買美金優惠4分 09/23 23:49
推 targa123: 匯差才是最恐怖的,幾年前31買的美金現在才解套 09/24 00:16
推 vyvian: 華南定存追上一銀了 09/24 01:21
推 aaa931324: 我也看不懂1%多怎麼算的 09/24 01:37
推 aaa931324: 看懂了 講錯然後說不是重點 09/24 01:39
→ lise1017: 換成美元後就直接買美國十年期政府公債讓你存十年了阿 09/24 03:39
→ lise1017: 誰要那種短期的什麼鬼高利專案都是騙傻子的 09/24 03:40
推 skyringcha: 最近債不是每天跌嗎 09/24 05:10
→ peterkan: 沒看到渣打官網四個月年息3.88%活動. 09/24 11:03
→ TZUYIC: 理財戶才有資格做四個月3.88% 09/24 11:14
→ motekaya: 回in大大 我是不太推啦 因為今年底再升五碼 明年再升1碼 09/24 11:25
→ motekaya: 之後有可能開始就走降息循環了 然後你不換回來 就只能美 09/24 11:26
→ motekaya: 元被套 然後利息又低 不知道要熬幾年,所以這波如果要玩 09/24 11:26
→ motekaya: 遲早要盡快換回來台幣的 才能獲利入袋 不太可能一直不換 09/24 11:28
→ motekaya: 所以我個人是覺得 現在美元對台幣已太強勢 不建議現在換 09/24 11:29
→ motekaya: 美元去幫人抬轎啦 只為了表面上的高利專案 怕之後損失更 09/24 11:30
→ motekaya: 多。 09/24 11:30
→ motekaya: 而且很多人誤以為最近美元對台幣強勢那麼多 是因為美元 09/24 11:31
→ motekaya: 一直升息 想說 接下來11,12月還有五碼 明年還有一碼 09/24 11:32
→ motekaya: 到時候一定更強勢,其實這不一定是對的 09/24 11:33
→ motekaya: 因為這波美元對台幣強升 主要是因為外資一直賣股票 換成 09/24 11:34
→ motekaya: 美元 把錢匯出的關係 09/24 11:35
→ motekaya: 只要這幾個月 台股跌到一整個誇張 外資見到台股有利可圖 09/24 11:36
→ motekaya: 美元又大量匯回來換台幣買台股 那時候管你美元再升五碼 09/24 11:37
→ peterkan: 外資從2020年就一直大量賣超，台幣沒貶還升很多. 09/24 11:37
→ peterkan: 那時候匯出的應該不多,今年真的是利差.而且台股便宜,美 09/24 11:39
→ peterkan: 股歐股現在也便宜阿. 09/24 11:39
推 motekaya: 到時候台幣開始走強 就換美元被套了 09/24 11:40
→ motekaya: 順便回樓上pe大 主要是看外資台幣換美元 或美元換台幣 09/24 11:40
→ motekaya: 不是看買或賣 但目前是外資台幣大量換美元 所以美元強升 09/24 11:41
→ motekaya: 所以接下來若要進場台股 勢必要大量美元換台幣 台幣就會 09/24 11:42
→ motekaya: 強升了 所以 台幣現在怎麼跌的 接下來月就會怎麼升回 09/24 11:43
→ motekaya: 不過 以上都純屬個人意見 不做任何投資參考喔XD 09/24 11:45
推 yixianl: 台灣銀這次活儲是0.36調0.45 09/24 13:13
→ yixianl: 所以數位是1.215＋0.45=1.665 09/24 13:13
→ yixianl: 錯了 台灣銀數位是 09/24 13:28
→ yixianl: 一年定儲機動1.215調1.34 09/24 13:28
→ yixianl: 所以是1.34＋0.36=1.7 09/24 13:28
→ yixianl: 新光這次好像是沒調 09/24 13:29
推 d3osef: 新光都比較慢調 但前兩次都有跟著動 09/24 15:09
推 kevin506kimo: 華南定存追上一銀了、2年定存機動1.52，數位帳號也 09/24 17:31
→ kevin506kimo: 定存...第一銀行數位帳戶，可定存100萬 09/24 17:33
推 vyvian: 可惜華南SNY帳戶不能辦定存 09/24 17:47
推 yixianl: 第一銀數位帳戶可定存100萬是指什麼？ 09/24 18:34
→ yixianl: 是說單筆可100萬還是最多加起來只能100萬？ 09/24 18:34
→ TZUYIC: 臺銀、土銀、華銀等這些公股銀行很久已前就已經修改系統， 09/24 19:06
→ TZUYIC: 網路銀行一個月只給做上限100萬元的定存，當月存後解約重 09/24 19:07
→ TZUYIC: 存視同已經使用該筆額度，如果當月網銀做滿100萬元，就只 09/24 19:08
→ TZUYIC: 能臨櫃辦理定存，這個政策用意是銀行不想收太多定存賠錢貨 09/24 19:08
推 rainsilver: 匯差才是最可怕 常常有活動的時候 09/24 19:55
→ rainsilver: 賺到利息賠了匯差 09/24 19:55
推 invidia: @motekaya 感謝m大回覆 09/25 00:00
→ rebel20163: 各位那麼有自信以後不會降息要不要玩外幣期貨報酬率 09/25 19:54
→ rebel20163: 比較高呢？ 09/25 19:54
→ peterkan: 民營銀行今天還在睡，沒升息. 09/26 09:57
推 yixianl: 謝謝T大解惑 09/26 16:42
→ yixianl: 但是看公股銀定存利息都比別家高 09/26 16:45
→ yixianl: 這兩種做法不是互相矛盾嗎 09/26 16:45
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