Yes, I have the Multi-Currency Acc-i with USD2K inside.
Maybe need to call their hotline to understand why

go to your multicurrency acc, bottom right select term placement, then select currency. min placment usd2000.

Mine only has Buy and Sell




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my is CM multi curenccy account-i. it can make term placement.

I tried to open multi currency account using the apps but failed and asked me to go to the branch instead. Any better solution?

Same as my case and I went to branch to gaotim.

what do you mean by transaction not reflected immediately transaction maybe 2-3 days later, rewards page another 1-2 days after transaction reflected ?

say transaction on monday, which day will be reflected at the reward page?

for bill payment i think is around 2 days

how about MCA transaction?

tbh I also not yet confirm the pattern, but it's not immediate for sure
example 1 oct perform transaction, maybe 3 oct it show up in transaction history, but another 1-2 days (around 5 oct) it only reflected in rewards goal page

I have another issue now tho on the joy@work
when opening smart account I told him I am self employed, he told me he will mark the account as joy@work, and I did received the 1% from it
but last month (2nd month) I didn't get, rewards goal page also show not entitled
maybe have to ask them again how does this actually work


EDIT: I just read the tnc for joy@work, saw this clause:

maybe that's why, I think I just put in 2k last month, let me try again this month

This post has been edited by bergstein: Oct 6 2025, 02:20 PM

My average monthly balance in the smart account has not been updating daily since few days ago, anyone has the same issue?

Not sure why level 1 bonus dropped back to 1%. All these while is 2%

Has it been six months since you applied for Joy@Work? Do you actually have salary crediting in from your company, which matches the Joy@Work-registered company name? As I recall, Joy@Work "terminates" if no salary credit in 6 months from opening.

Yes every month salary in. Just that the salary is in end of every month. Previously at the early of the month already shown 2% + 1% for paying bills. This Monday I go open MCA and traded then pay tng 1000 with debit card, supposingly will increase to 5%, but now at 4% pulak the Joy@Work gone

This post has been edited by yeapsc73: Oct 8 2025, 09:53 AM

MAB & bonus interest will never update daily, it will update few day once. i just checked my MAB figure matching on 5th Oct.

This post has been edited by xiaoxiaoshen: Oct 8 2025, 02:04 PM

Based on my rough calculations for last couple of months, the bonus rate only applicable for maximum 100k.
So for the balance above 100k, actually there is no bonus rate. Wonder if this aligned with the terms and conditions?

In this case, better to transfer elsewhere if you have more than 100k. Optimum balance to keep is 50k to 100k, right?
Thanks

read the t&c clause 1.44

Yes it's up to 100k

this special bonus rate until end of this year only....just maximize it 100K + 1k increment/months to have 6.85%.

really? them need to find somewhere to park the fund. any alternative?

after that will still have 3.xx%, still good to remain here as it is 100% liquidity. can move any time


This post has been edited by xiaoxiaoshen: Oct 16 2025, 12:58 PM

The rates will change, based on the campaign. So far, 6.85% is the best since the inception a few years ago. I've had the Smart Account ever since it was launched some years back.