Which dates you talking about? The day I received the money (4+pm) is the same day I transferred it out (after 10pm).

Statement not yet generated for March unfortunately. But I can confirm in transaction history the date I received fund is 17 March (correct) but date transfer out is 18th March (actually I transfer out 10+pm on 17 March). Receiving bank (RHB) shows 17 March.

The 'pay' and 'spend' are both dead money, compared to OCBC (where spend is on CC so at least can get 1%) and RHB (bill payment no minimum total spend). Added to that the lower interest rate compared to RHB. Heck even SCB preferable I think due to the dead money pay/spend HLB categories.

"Dead money" here is I'm meaning you spend the money with no rewards except for the interest rate. Because something like debit card spending doesn't get you any cashback etc. So it's basically like spending cash (you don't even get interest free days like CC). This applies for transfer from savings account and debit card spend (except for certain debit cards which give rewards, to be fair it seems HLB sometimes has those).

While the competitor savings accounts (OCBC, SCB, RHB) all require CC spend instead. CC spend normally earns some rewards, whether its points or cashback. Given a choice between the 2 of course having some rewards would be good. E.g. for RHB I use the Shell Visa card so that can get the 5%/2% cashback (depending your monthly spend), meaning I always hit 2.5k every month anyway.