so far no such issue, they take a while to reach, but also in a matters of seconds. not too long though.

this issue is with your telco?

this OTP yes.. sometimes work sometimes delay so long

processing cutoff is 11am ---- updates to us is usually between 4-5pm (deposit/profit/withdrawal)

for withdrawal, since they processed before 5pm transfer window (i assume using IBG), the expected fund receive is by 11pm, same day.... so far i've tested 1 time test withdrawal, fund received 1030pm+.

so, for withdrawal, dont expect to receive money early  , especially when you need the fund fast/urgent... always plan +1 working day.

3 months playing KDI save, trying to make some sense out of its numbers...
1)Everytime you withdraw/WD some money, a portion is removed from  your  accumulated interest/returns,
sent to  your capital/Nett deposit

the bigger the  WD  the bigger cut it will send to Nett Deposit

after making 11 withdrawals, my returns dropped down to RM 1249.84 today.
if not it should be RM5877.79.

2)Why KDI must remove some money from your accumulated interest?

Below 200k no reason really, as all returns should earn 3%, i dont know.

Above 200k, i think because it wants to reduce the returns portion that earn 2.25%.
After many WDs, finally it comes to  remaining returns left  all earning 3%
even if you are at RM200k and above.

see my simulation WD for 2 accounts
3)Someone asked above RM200k would my  interest still earn 3%?

The answer seem YES ,looking from  my simulation WD attached.

But not all your accumulated interest, only a portion of them.

How KDI decided that out of my total returns of RM5877.79
only RM1249.84 would be entitled for 3% is a mystery.
(Every time i WD, i make sure i dont touch the portion that earn 3%.)

My wife's  smaller account with accumulated returns of RM3187.48
has  RM1309.94 portion entitled for the 3%.

I could be totally wrong in my interpretation,
feel free to share your views.
Need more data, i can share them.