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 SSPN, Skim Simpanan Pendidikan Nasional

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MGM
post Mar 2 2025, 01:17 PM

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QUOTE(pisang @ Mar 2 2025, 10:37 AM)
What is ur setting on the daily limit?
If you are using old App and old Website, if not mistaken, the limit is set to RM1000 per day. Pls use new App Or new Website.
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With the new app & website, is the 50sen duitnow fee for transfer >5k still there?
MGM
post Mar 2 2025, 06:45 PM

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QUOTE(talexeh @ Mar 2 2025, 03:59 PM)
Yes, no change on that.
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Thanks so just need to split into multiples of 5k.
MGM
post Mar 2 2025, 11:35 PM

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QUOTE(tan_aniki @ Mar 2 2025, 09:09 PM)
just pay for it, else u might receive love letter
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U know of someone kena? I dont see anything wrong with it. Anyway the most i do is 2x per day.
MGM
post Apr 6 2025, 08:30 PM

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I hope ptptn would start allowing payment using ewallet..
MGM
post Apr 28 2025, 02:30 AM

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QUOTE(guy3288 @ Apr 25 2025, 11:36 AM)
Ganjaran kesetiaan coming
Don't be surprised
people parked  RM3.2million
For extra Rm3200
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The last round, how long to keep in account to get the 1%?
MGM
post Apr 30 2025, 06:36 PM

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QUOTE(kechung @ Apr 30 2025, 04:30 PM)
About 1% loyalty, it is all here.
https://www.ptptn.gov.my/GanjaranKesetiaan2025/
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So deposit on 31July n withdraw on 6Oct, 1+31+31+6=69days to get extra 1% + 2months of interest.
Assuming interest is 3.6%, 2mth = 3.6%/6=0.6%.
1+0.6%=1.6%. 1.6%x365/69=8.46%
Cmiiaw.
MGM
post May 1 2025, 10:00 AM

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QUOTE(CSW1990 @ May 1 2025, 09:28 AM)
Hi …
I have done the GK eligibility check with my IC number and it shows Layak .. saw two Rekod including mine and my child account…
Does it mean my child account (the 2nd line) is also qualified to get the 1% right if I top up today and take out next year? (For tax relief purpose too)

user posted image
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Got the link for eligibility check?
MGM
post May 12 2025, 10:05 AM

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QUOTE(guy3288 @ May 11 2025, 10:45 PM)
Ganjaran coming suddenly EW deposits become efficient
SSPNi sudah bangun tidur
if not i untung..
as EW deposist end of April 2024 all can earn Ganjaran 1%!

becos last time deposits on end of April all would be updated 1week later would become deposits 1.5.25 onwards
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Still slow lah, my deposit via shopee on 8May yet to be credited.
MGM
post Jul 23 2025, 01:10 PM

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QUOTE(PJusa @ Jul 23 2025, 11:43 AM)
Then just hold until 30 September 2025 for the extra 1% afterwards can take out again right? Latest to take out my mid-december so it wont count towards contribution in 2025 and wont affect the 8k that you need to top-up? Planing to dump in ~200k.
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Have to hold til 6-Oct for that amount to get interest based on the normal rate for Aug & Sept.
MGM
post Jul 28 2025, 10:57 AM

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QUOTE(gooroojee @ Jul 28 2025, 10:47 AM)
The 1% loyalty bonus it is effectively 6% per annum in extra dividend, because your funds only need to stay in your SSPN Prime account for two months—from August to September 2025. You can withdraw the deposited funds from October 2025 onwards.

During that time, the deposited funds will also earn the regular dividend, which was 4.05% per annum in 2024. In short, your effective return is likely around 10% per annum for two months.

Deposit RM 10,000 on 31 July. Withdraw 1 October. Get extra RM100 as 1% loyalty bonus.
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U need to withdraw after 6-Oct to get Sept's dividend.
MGM
post Jul 28 2025, 04:31 PM

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QUOTE(gooroojee @ Jul 28 2025, 10:47 AM)
The 1% loyalty bonus it is effectively 6% per annum in extra dividend, because your funds only need to stay in your SSPN Prime account for two months—from August to September 2025. You can withdraw the deposited funds from October 2025 onwards.

During that time, the deposited funds will also earn the regular dividend, which was 4.05% per annum in 2024. In short, your effective return is likely around 10% per annum for two months.

Deposit RM 10,000 on 31 July. Withdraw 6 October. Get extra RM100 as 1% loyalty bonus.
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Would deposit done on 31 July be too late? What is the safest way of deposit, via FPX in PTPTN app?
MGM
post Jul 28 2025, 04:54 PM

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QUOTE(leanman @ Jul 28 2025, 04:49 PM)
Based on previous experience, FPX in ptptn app reflected immediately…31/7 is too risky, why want to that that risk?
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Will do partially on 30-July cos some funds might come in late.
MGM
post Jul 28 2025, 05:27 PM

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Just want to confirm cos havent participated for couple of years.
For the 1% Ganjaran campaign:
DAD, MUM, CHILD as depositors.
3 sspn prime accounts:
Depositor-DAD Beneficiary-CHILD, NO funds withdrawn during campaign.
Depositor-MUM Beneficiary-CHILD, funds in&out during campaign.
Depositor-CHILD Beneficiary-CHILD, funds in&out during campaign.

Can still participate by using Depositor-DAD Beneficiary-CHILD account, right?

t&c:
• Tidak membuat pengeluaran, pindahan dan/ atau
penutupan dari mana-mana akaun di bawah pendeposit
yang sama dalam tempoh kempen, termasuk akaun yang
tidak layak menyertai GK, jika ada.
• Tidak membuat pengeluaran, pindahan dan/ atau
penutupan dari akaun yang LAYAK terima GK dalam
tempoh pengekalan.

This post has been edited by MGM: Jul 28 2025, 06:01 PM
MGM
post Jul 29 2025, 09:18 AM

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Why use Lazada to pay sspn when it charges 1% for topup?
MGM
post Jul 30 2025, 11:11 AM

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QUOTE(LostAndFound @ Jul 30 2025, 10:38 AM)
This is correct. I have always deposited using a variety of bank accounts just before the end of ganjaran kesetiaan period, no issue. Today and yesterday did multiple FPX transactions according to bank limits from both me and my wife's accounts. Previous years have also done from my parent's accounts.
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Which method u used to deposit, myPTPTN web or app? Do they have operation hours for deposit?
MGM
post Jul 30 2025, 11:36 AM

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QUOTE(LostAndFound @ Jul 30 2025, 11:14 AM)
Web, generally my financial transactions (esp bigger amounts) I only do on my laptop cos of screen size, less likely make mistakes.

Don't know about operation hours for deposit, I do during office hours (after office hours is time for relaxing, not handling money). This morning's one was 8+am though.
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According to PTPTN live chat it is opened for deposit 24 hours, deposit using fpx amount is reflected immediately.
MGM
post Jul 30 2025, 01:05 PM

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QUOTE(ben3003 @ Jul 30 2025, 12:53 PM)
My sspn topup on 19th via shopeepay not yet received. Normally got so long delay?
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For 2nd n 3rd week of the month, normally 2 to 3 days.
MGM
post Jul 31 2025, 08:14 AM

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QUOTE(LostAndFound @ Jul 31 2025, 07:28 AM)
Today 6+am went through with no issue, FPX immediately reflect. I guess if you're awake even 3am is possible.
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Thanks did it last night after 10pm.
MGM
post Jul 31 2025, 11:20 AM

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QUOTE(kop2299 @ Jul 31 2025, 10:03 AM)
anyone tried to deposit sspn-prime via unionpay debit card over the counter?
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Few months ago, I asked otc ,UnionPay not accepted, only visa n mc.
MGM
post Jul 31 2025, 02:57 PM

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QUOTE(ClarenceT @ Jul 31 2025, 01:50 PM)
I thought it goes through Mydebit instead of Visa/Mastercard/Unionpay.
PB Unionpay and BOC Unionpay are Mydebit card.
Gopayz Unionpay was not a Mydebit card.
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QUOTE(cybpsych @ Jul 31 2025, 02:39 PM)
PTPTN branch OTC only accepts local MyDebit cards only.

All their collaterals and info stated "debit card accepted", but in fact the terminals are programmed to only accept "MyDebit".

Any other scheme will be immediately declined on the terminals.
Also, for now, PayNet only allowed MyDebit qualifications for issuing Banks only. Non-Bank issuers like ewallets cannot qualify their Prepaid Cards with "MyDebit".
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Few months ago, otc I tried with PBB Unionpay Debit card (MyDebit) to pay but failed cos not accepted by terminal. Staffs said only Visa & Mc debit card allowed.

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