Review as a user of KDI Save since 2022:
- they did improve it since inception. I remember complaining how biometrics wasn't a thing lol, and we used to have no referral bonus. Now got but I don't have any friends
- I like the simplicity relative to its competitor, but... One might think it's "boring"
- wishlist: auto debit feature
- comparison to Versa Cash copied from my own post in Versa:

Eh it's fine on my phones. Maybe your fingerprint faded or if the problem is exclusive to the app, try checking settings? Maybe dormant app permissions removed, or the app cache/data was cleared etc...

Do you guys really adjust your "financial tasks" to such an extent, say I want to deposit 10k but I know no interest over the weekends, so I put the 10k.... Elsewhere(where???) so that I can deposit the coming Monday?

Personally I dislike shifting my schedule when I have the "mood" to do specific things lol, so I am puzzled to read so many forumers trying to min max this. (Admittedly, the one thing I would shift my schedule for is when I need to transfer money overseas to secure better rates)

Well... You have a good point that questioning the chump change is a privilege. I'm also happy to know it doesn't count so at least I'll be wiser not to trigger withdrawal on Friday, at my own loss (without even getting the principal).

But we're talking about say, RM 50k maximum (any more than that you'll enjoy less interest so people normally park excess elsewhere). I punched the calculator 4% p.a. rate compounded daily, and it tells me RM 10.96 for 2 days. Now, in reality, if someone would care about RM 11 that much, then I find it contradictory that the person would have RM 50k lying around in the first place.

I guess my personal issue with withholding my tasks like this is that I would then forget when the time comes, and end up losing more lol.

Either your mom is super frugal or she's a millionaire...
Assuming you're around my age (based on your username (19)88?), I think you should have a portion of money rolling for at least a decade to accumulate for your retirement, on top of your liquid emergency funds.

That makes EPF a viable option, and/or DIY index-based ETFs to ride through the short term volatility. I can't say for sure what suits you, maybe if you really cannot stomach any shortfall then low risk fixed income is indeed more suitable for you emotionally.

...I hope I don't sound "arrogant" by implying my risk appetite is greater than yours; my intention is to say everyone walks their own, unique financial journey as it's tightly coupled with personal values, emotions, preferences, circumstances and goals.

Interesting, I had never looked into my statement until I saw yours. I see similar discrepancy where I have an excess of 1.8k in tier 1, and the rest in tier 2.

I don't know if the interest is accurately reflected based on these excess... Did you happen to verify that you're still getting 3.91~3.92%* interest rate, accrued daily? (*I forgot exact number)

I think the first 50k interest is credited as tier 1. I compared my statement to with the previous month, the number correctly adds up. That means, ideally you want to keep your tier 1 amount untouched as it'll nicely snowball at the highest rate... Now question is, we withdraw the number shown in our tier 2, does it correctly take out from the tier 2 pool, or from our tier 1 (until flat 50k)?

I'd think this is a happy mistake on their end and so it'll also likely be the first outcome (tier 2), which sounds logically less technical effort, but I can't be bothered enough to try