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 SSPN, Skim Simpanan Pendidikan Nasional

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MGM
post Jan 18 2024, 11:00 AM

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My deposits via shopee on 1Jan2024 r still dated as 15Jan2024, so no interest for this month?
MGM
post Jan 18 2024, 07:08 PM

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QUOTE(MGM @ Jan 18 2024, 11:00 AM)
My deposits via shopee on 1Jan2024 r still dated as 15Jan2024, so no interest for this month?
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Found out from otc at ptptn jb that eventhough the TARIKH URUSNIAGA is 15Jan2024, tarikh deposit in their system is still 1Jan2024. So i will make withdrawal on 6Feb2024 to get at least 1month interest.
MGM
post Jan 20 2024, 03:39 PM

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QUOTE(rinapua @ Jan 19 2024, 06:50 PM)
If my sspn got 50K in there, now my daughter apply PTPTN for University study. PTPTN will see my  sspn account got money, then they not give loan for my daughter study or not? tq
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My child is studying in IPTA with fees of 1300/semester but the ptptn loan is 3k/semester. We have 3 sspn-prime accounts parents+child with total balances of 5 figures few years ago. Since i no longer have taxable income i keep balances at minimum using it for "washing". So i dont think ptptn refer to sspn in deciding the loan amount.
MGM
post Jan 21 2024, 07:55 AM

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QUOTE(MUM @ Jan 21 2024, 07:07 AM)
You put in money in sspn as saving, you get abt 4% pa dividend.
You take ptptn loan the interest rate is 1% annually.

You keep your saving in sspn without taking it out but you take up the loan, ...who untung, who losses?

If you have 50k in sspn saving, if you are allowed to keep all the 50k inside sspn earning 4% pa, while if ptptn allows you 50k loan at 1% rate pa. ....wow, ...
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Not only that, u will only be charged d 1% interest on the loan after you graduated n if graduate with 1st class honours u don't have to repay the loan.
MGM
post Jan 22 2024, 06:43 PM

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QUOTE(guy3288 @ Jan 22 2024, 06:05 PM)
my withdrawal at branch on Friday morning 12.1.24 till now money still not received..must be kena some lazy bugger handling my case..

SSPNi system showed money out on 13.1.24
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Why not withdrawing from BI?
MGM
post Mar 6 2024, 12:05 PM

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QUOTE(guy3288 @ Mar 6 2024, 01:19 AM)
share my records with you guys..
any comment?

when would you  prefer to make EW deposit now?
it seems either system also can capture transaction on same day
or system can  backdate it as it likes..
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Wont depend on sspn for the returns for now, just for "washing", cashout monthend then into epf&asm.

This post has been edited by MGM: Mar 6 2024, 12:07 PM
MGM
post Mar 10 2024, 10:51 AM

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QUOTE(Barricade @ Mar 10 2024, 09:43 AM)
How do we know which deposit is reflected? We deposit from shopeepay/kiplepay etc but all came out the same description in the statement? How do we troubleshoot in case deposit is missing?
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Use diff amount like 990,991,992....999 for same day transaction. Now more difficult cos no longer stated transaction date.

This post has been edited by MGM: Mar 10 2024, 10:54 AM
MGM
post Mar 10 2024, 04:19 PM

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QUOTE(guy3288 @ Mar 10 2024, 02:52 PM)
bro  i dont know why  you guys said cannot identify which deposits from shopee and
which is from kiple..funny

i  login mine, i can see there stated kiple etc

i can even tell you which date i  did transaction which date system recorded it.
no issue at all

issue now is how dividend calculated when system  recorded them later and not  transaction dates
Say only...you believe them ? dividend calculation will use actual transaction date, mana ada logic?
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For me I couldn't be bothered much about dividend cos of this issue. Would do deposits together then withdraw all n put in other interest generating tools many of which r giving 3 to 4%.

This post has been edited by MGM: Mar 10 2024, 04:20 PM
MGM
post Mar 15 2024, 12:10 AM

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QUOTE(1hoohoo1 @ Mar 13 2024, 02:08 PM)
user posted image
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"the SSPN daily limit of RM1000 per ID", ID is referring to Shopee ID or SSPN-ID(depositor)?
MGM
post Mar 15 2024, 08:40 AM

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QUOTE(datolee32 @ Mar 15 2024, 04:51 AM)
It should be SSPN-ID, coz my friend deposited via other platform, 2nd time unsuccessful.
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Thanks, so anyone has successfully done it from the same Shopee-ID n deposited into a diff SSPN-ID on the same day?
MGM
post Apr 1 2024, 01:08 AM

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QUOTE(Barricade @ Apr 1 2024, 12:21 AM)
Yup. Tried making two deposits using shopeepay. Next one refunded immediately
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Same Shopee-ID or SSPN-id?
MGM
post Apr 5 2024, 11:11 AM

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QUOTE(xiaoxiaoshen @ Apr 1 2024, 09:20 AM)
spay deposit SSPN only can perfrom 1x999, 2nd n 3rd tried refund immediately. last month still can perform 4x999 + 1 x998 on 1st march.
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QUOTE(victorian @ Apr 1 2024, 09:37 AM)
one day 1k only for each IC no
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Did 3 sspn payments of 1k each on 1st to 3rd of April. In MyOrder stated 1st two completed, last one "to receive" but only 1st one is in the history list, n balance fully deducted.
MGM
post Apr 20 2024, 03:08 AM

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QUOTE(guy3288 @ Apr 19 2024, 10:59 PM)
thanks yes can withdraw multiple times. must be that ATM  machine problem,
when i failed to get money at ATM i thought SSPNi has changed the 'rules'
later at night i managed to transfer out using Bank Islam online transfer.

PS,
If only  1 bank islam account and need to take out sspni money  RM100k.
you must  use BI ATM card

ATM transfer from sspn into B Islam, no limit.
Bank islam transfer out can do  upto RM100k a day per account
even though limit stated RM50k
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Quite some time ago total BI online transfer in&out limited to 50k daily cos I couldn't do more than that. Nowadays no chance to test cos smaller sspn amount.
MGM
post Apr 20 2024, 03:05 PM

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QUOTE(oks911 @ Apr 20 2024, 01:54 PM)
Good question .. the reason is because I want switch to another SSPN plus package. The system don’t allow multiple SSPN plus account. So I got to close this account and open new one .
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Most would prefer Prime than Plus, why u choose that, for the insurance?
MGM
post May 27 2024, 10:15 PM

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QUOTE(engsen123 @ May 27 2024, 10:11 PM)
Anyone pay sspn prime from Shopee direct refund within second ? I have fail to payment more than 2 week
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Successfully did it few days ago.
MGM
post Jun 15 2024, 08:43 AM

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QUOTE(totoro2018 @ Jun 15 2024, 08:18 AM)
I can't use use credit card to pay sspn via shopeepay, got message: only Debit cards are supported

Is anyone facing the same?
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Just did it, smooth as silk.
MGM
post Jun 15 2024, 04:33 PM

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QUOTE(joice11 @ Jun 15 2024, 03:02 PM)
Are u sure u can use Credit card to pay SSPN though shopee?
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He said "using credit card to pay sspn VIA SHOPEEPAY", i took it as reload shopeepay with cc then pay sspn.
MGM
post Jun 17 2024, 08:55 AM

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QUOTE(Nom-el @ Jun 16 2024, 05:01 PM)
The dividend calculation is based on the transaction date, not the date you see on the new portal. This is based on my calculation for last year's dividend (declared this year).
It is actually within first 5 days only based on transaction date.
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Same as the transaction date of paying sspn via shopee?
MGM
post Jun 17 2024, 05:43 PM

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QUOTE(guy3288 @ Jun 17 2024, 11:54 AM)
Whoa sure or not?
I deposit on 1.6.24, sspni before cutt off date
But sspni updated as 11.6.24 after cutt off date
That deposit can get june divided?
Sounds too good to be true, for current year

Previous year yes, dividend already paid before that mess happened i know, so that mess of delayed dates have no effect
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I doubt so too. That's why I no longer care about the timing & dividend, n withdraw out immediately after a series of deposits.
MGM
post Jun 21 2024, 12:19 PM

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QUOTE(Barricade @ Jun 21 2024, 11:54 AM)
above 5k will charge 0.50
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What type of transfer needs 50sen?

I know sspn to BI CASA is 50sen for any amount.
BI CASA IBFT to any bank is foc for any amount.

This post has been edited by MGM: Jun 21 2024, 12:20 PM

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