1. it will decline. I've tested before. insufficient main account balance when online and atm withdrawal. So I love the saving pocket. it is feel more safer
2. old thinking
3. just put rm 200 into main account for usage. if fraud lost max rm 200.
if too worry,
- set no online transaction
-freeze card. only unfreeze when want to use. freeze back after use

So even u go sleep, freeze card option - no one can steal your money

I feel whelmed.

The badge system.... just syiok sendiri only..

If they add more functionalities to these badges, maybe will be more attractive... i.e., get access to better interest rate returns, higher loan amount, etc.

Yes. All interest or bonus, gains or profits received by a resident individual from deposits placed in licensed institutions are tax-exempted

https://www.pwc.com/my/en/publications/mtb/...t-from-tax.html

As for declaration, you can refer to the guidelines for each form: https://www.hasil.gov.my/en/forms/download-...form-individual

For BE form (salaried, no business), you do NOT need to state the amount in section B3.



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If you are paying using the online MyTax system, see https://www.hasil.gov.my/media/zn0p3tjz/sla...ssment-2023.pdf

On slide 33/60, the part on "Statutory income from sources of interest, discounts, royalties, premiums, pensions, annuities, other periodical payments,
other gains or profits and additions pursuant to paragraph 43(1)© in Malaysia", you do NOT include any GX Bank interests into the calculation.