how much is your net deposit though?

the interest is certainly compounded, otherwise it would never be the promised 'EAR'
but it appears that the net deposit of RM 50,000 will continue to get 4% EAR even though the interest accrued results in total value exceeding RM 50,000
meaning, could enjoy 4% EAR with RM 50,000 deposit instead of RM 48,076.92 and there is no need to withdraw the the accrued interest
due to the lack of transparency, what is also plausible could be due to two different portfolios despite within the same growth fund

well, depending on whether they would revise the return or tier range
for now =5000*((1+(1.04^(1/365)-1))^n-1)
n: being number of days

would be 4% in a years time

surprisingly, July 2025 statement is available

i think it's RM 250 but i thought that campaign expired in June 2025

since when did they promise same day withdrawal