Share with you guys another set of data
from the same account
Preparing  for WD to multiple bank accounts soon,
I got another set of data to  confirm "how it works"

Earlier i said
Daily interest= ( X+Y+Z) x 3%/365

X= Nett deposit yesterday
Y=New deposit today b4 11am
Z=Returns accumulated yesterday
Now add WD to the formula

Int today =(X+Y+Z-WD)3%/365

1st 200k 3%, you adjust accordingly
Accumulated returns yesterday RM2692.04

My interest today should be
= (200k x3%)/365 +{(1852k +33.8k + RM2692.04 - RM400)x2.25%}/365
=RM16.438 + RM116.389
=RM132.83

Expected returns today = RM2692.04 + 132.83 = RM2824.87
KDI returns--> RM2824.42??.

Earlier people thought RM0.45 cut was penalty/claw back for making withdrawals.

No , It is just being transferred to  Nett Deposit.

i dont know, is it important to know the real reason??  

not important as long as we don't lose out, capital same, interest earning same also.
kenanga system silly doing that can cause some to think kenanga cheat cut their interest..

another thing silly is kenanga profile only allow 1 bank account
causing me trouble now  how to WD to multiple banks in 1 day.

i updated the bank account, received email instantly said  bank acc updated- so i WD RM100 to bank A

i updated it again  put bank B acc, again email came said acc updated - so i made another WD to  bank B
this is misleading, actually it is not updated
because end of the day i received all RM100 x4 in bank D, the last update!
However the system is clever when i tested key in 1 wrong number, it knows and wont accept that bank acc.
But no use, what i need is instant updating and WD money paid to that account when WD order sent like  in Phillip eUT.
I could WD  to multiple different bank accounts within  minutes in eUT.
Anybody can suggest how to do WD to multiple different bank accounts in 1 day?