they have worked out the effective rate for u, 4% highest


the other one based on incremental average balance
example: if the promotion period lasts from May to July 2023
you deposit all in May, withdraw almost all in June, then deposit again in July
then you get 5% in May and July, not June

if you deposit in May and keep the same balance throughout, you don't get 5% in June/July, unless u have fresh fund coming in
then again, only the incremental amount be eligible for 5%
your existing balance in current month won't be qualified for 5% in subsequent month

no, i saved at Rize as well
since the promotion is until August + RM 20 bonus
which could cover the account closing fee RM 10

for the 4% at One, you need a balance of RM 100,000
that turns me off

for the 5% at Stash, I made some calculation towards the end of May
my balance on the 1% difference is not significant after deducting the account closing RM 10 + debit card RM 8
might as well continue with Rize