the extra RM43.20 is not enough to put into GX bank

Put it as petty cash inside Go+

The savings from the round-up should be (25000-24997.80) * 5 (5 jars in total, birthday + 4 Sabah jars) + (50000-49959) * 1 jar (Celcomdigi jar) = 52 MYR.

You can put this 52 MYR anywhere you like, like Rize, TnG Go+ etc. (assume amount is small and no issues with withdrawal gating) etc.

Not sure if Rize will accrue the interests day after day or simply sum up the daily interests and pay out one lump sum at the end of the month. If it's the earlier case, you can still earn interests with other net deposit transactions in the subsequent days, if any. If it's the later case, you just need to top up a couple of ringgit to 55.46 MYR and you will earn 0.005 interests which will be rounded up to 0.01 MYR interest per day (but withheld by Rize system at the backend to be paid at the end of the month).

0.005*366+0.033 = 55.454545...

Either case, you gain from diversification as well since not all of your money is locked at BoostBank...

Think positive hehe

This post has been edited by TOS: Oct 4 2024, 04:43 PM

yes will get. my minimum balance Aeon and Rize getting few cents at end of the month

iinm rize RM10 min balance @ 3.8%, month end get 3/4 cents.

Rize 3.3%, vs Go+ 3.4~3.5%, thats why i suggested go+

Yea Go+ may work, but 2 days ago my thousands got locked inside tnG eWallet for nearly the whole day... not gonna use their stupid service...

eWallets are not suitable for fast-in-fast-out transactions like these ones, they are regulated stricter than a typical bank.

But if you think you can bear the risk of 50-60 MYR locked inside your eWallet, can try lah. I just think that a 10-20 basis point premium over Rize is insufficient to compensate for the torture and anxiety resulting for the stupid, unpredictable withdrawal gating system. Your mileage may vary.

This post has been edited by TOS: Oct 4 2024, 05:02 PM

Correct, Rize customer service damn professional.
Also the fraud triggering very good, try transfer a bigger amount, they will block and call you.

not an issue if you use it as your primary ewallet. You don't spend that much in 3-4 days?

you mean Celcom Digi Jar?

But is not locked, so i test see tonight got interest 5% or not.

Other jars all still available, i tested them yesterday
still can get 5% and 3.6%....so i masuk today.

wonder if anyone notice lobangs for exploit there.




Attached thumbnail(s)

just beware of boost bank, that's all. anyway i've moved quite a bit of money to boost https://www.reddit.com/r/MalaysianPF/commen..._gxb_to_tng_go/

in a way yes...

the updated amount isnt reflected even 8pm already....

[Ancient-XinG-] daily interest or bill payment?

Maybe you stay in KL... My daily spending here at Butterworth is around 7-10 MYR only, all on food, paid with DuitNow QR. (When I am in Singapore, spending is 0, except on MRT and bus. Food, accommodation, gym all free in uni...)

In Butterworth, morning travel out to buy breakfast + lunch + dinner (all add together Rm 7-8, yes it's that cheap... roodside stall, save on the rent and stupid taxes), the rest of the day stay at home work, clean, cook, rest (and today... program trading bot on IBKR )

Weekend will spend a little more with my female classmate on dates, but that will not exceed 100 MYR for sure.

So if you notice, my spending will jump up suddenly every weekend, I doubt TnG eWaller can detect the jump as a normal spike... who knows they block me over the weekend... later my girl run away, I am gonna sue TnG!

spending retail is perfectly fine. you tried to game TnG by doing cash transfers in and out of course got your ass handed to you

anyway will stop here since is slightly OT

Man, it's not easy to define the word "game"...

I can pay with GX Bank using DuitNow QR, then move money from Go+ to GX Bank to earn high interests on my remaining cash holdings. Then the next day move out again to TnG eWallet to pay in some other places which only accept TnG's QR code...

These are legitimate transactions, but are fast transfers in and out nevertheless in a short span of 24 hours. Is this "gaming"?

Again, the conclusion is eWallets are not suitable for the "game" we are doing here. It's for peanut retail spending, with amounts small and consistent all the time. We fast cash rollers hunting for every cent of extra interests need agile accounts like digital banks... move couple of thousands in and out with no question asked.

Will leave it here bro.

This post has been edited by TOS: Oct 4 2024, 10:52 PM

daily interest

i calculated it to be RM0.0012624 for 3.4% pa. I believe GO+ doesn't round down the RM0.0012 to RM0.00, so will leave it dormant for 9 days to see if it'll add up to RM0.01.



(withdrawn lumpsum to Boost @ Oct 3 10pm, so Oct 4 returns is for Oct 3's balance)

This post has been edited by Medufsaid: Oct 5 2024, 07:55 AM

Boost Bank contact centre is 24 hours? I tried calling them this morning to unbind my device but no one is picking up 🤔

seem like the special jar is not showing the daily interest crediting log (last showed thursday).

but the interest do get credited and our total amount did increase.

This post has been edited by sjz: Oct 5 2024, 08:13 AM

Got some issues on their system & apps lorh...

As long your $$$ is there totally...
Don't really bother 😑

if you are paranoid can always record down in excel sheet

btw, here's my refinements of cclim2011's instructions

1. Fill up 5 special birthday & supermarket jars rm36.6 (5% become 10%)
2. Fill up Boost 8x normal jars with rm50.84 (3.6% become 7.2%)
3. Fill up all 6 special jars in multiples in RM73.20 (5%) (forfeiting perk #1 above) <- you'll still get the perks
   1. if the jar is celcomdigi jar, and it already has RM49,959 -> consider it full and move on to the next jar
   2. if it's the other special jars, and it already has RM24,997.80 -> consider it full and move on to the next jar
4. Fill up Boost Saving account with rm73.20 (2.5% become  5%)
5. Fill up 91.50 for 11 pockets in GX (2% become 4%)
6. Fill up UOB one saving, min 100k (4%). if dont have, skip.
7. Fill up 8x normal jars in multiples of RM101.68 (3.6%) one by one. you won't exhaust this unless you really have RM8mil (forfeiting perk #2 above) <- you'll still get the perks

any leftover funds, put into these

• Place Go+ (3.41, no pidm) or Rize (3.3, with pidm up to 250k)

This post has been edited by Medufsaid: Oct 6 2024, 08:57 AM