no try same day, dont kill chicken n get egg.

no fees, it is stragiht forward. rm4242 you get usd1000.

the fees are within that conversion rate. their rates are quite high compared to others like Wise or Maybank. When you convert it back to MYR you'll be able to see the spread difference and lose out on that. That's the fee.

Separately, if I want to use the foreign currency to transfer out, have you tried that? are there TT / transfer charges?

after sell the amount will back to your smart acc, to use the money just use with your debit card. it will automatic deduct if you have the currency bal. if you use Eur 20 it just minus the exact amount without fees.

i brought the Euro at 4.928 last month, if sell seem good rate.



This post has been edited by xiaoxiaoshen: Sep 3 2025, 06:25 PM

received the bonus interest ytd, credited so early this month.

7th of the month is on-time based on the revised T&C. Last 2 months, they had system issues which have been resolved.

this month suddenly the joy@work doesnt work , usually i just transfer in few k into the account and it will capture as salary. anyone have this problem ?

how do you normally see if joy@work is active? I can't tell at all.

Normally is 2% if the joy@work is activated , somehow felt this rhb system is quite buggy on this smart account.

I got Joy@Work. See if the details are correct for your work

so u mean u just transfer from your other acc to capture as salary. It is not your actual company transfer salary to this joy@work acc? Its work like this?

No, it is an actual salary credit from my company.

Yes I see 2%. But I don't actually credit my salary into the account.

Joy@work terminates after 6 months if there is no salary credit

The rhb staff told me just enroll into the program and transfer 3000 and above to the account every month from any account can already , last month i got it ( the first month ) but this month is not .

Do you know if the debit card can be cancelled etc?

so mean i still can enjoy the extra interest by fulfill the tast without actual salary credit from my company?
if yes, then i will go and open this acc

To be fair I only activated Joy@Work last month (Aug 2025) so perhaps it does last only 6mths like one of the comments mentioned; post that they will need to see company salary being credited into the account. But will need to wait and see.

own this acc for 2 months, it is simple n very straight forward.

50k (for max bonus rate) saving you got 0.05%
salary will bank in this acc, . thus acheive 2% (every month min 2k in n joy work).

and monitor the MAB got it 1k+ increase from previous month then transfer out the money for max bonus rate.
acheive 3 more tasks to have 4.8%. (1.6% each).

task 1: jompay using monthly SI RM25 for 3 bills is fine.
task 2 : spend credit or debit card, not need to trace, alway above 1k.

task 3 : optional. (can buy USD maybe, it seem low RM4.20 = USD1) will it goes lower.

and the interest pay will calculated based on your MAB.
if >100k every months, thus you get

30days a month.
100k x 0.05% pa = RM4.11 credit to you account on end of the month
100k x 6.8% pa = RM558.90 credit to your acc on 7th of the month.

This post has been edited by xiaoxiaoshen: Sep 24 2025, 04:56 PM

Even this is easy. You can put in RM3,000 and get back RM2,980 instantly, which is a "cost" of RM20. Worth it if you get an additional 1.6% returns per month with balance >RM50k.

It is easy/painless to open the account via the app and you can trade instantly.

I'm just wondering if it is mandatory to activate the debit card. I have received it - haven't activated yet. And as such I've yet to be charged the annual fee of RM20.

you had try same day buy n sale currency?

for the debit card, you can keep it, use oversea with multicurrency at fixed rate that you had purchase with no fees at all. certain currency will have interest also.