aeon bank got any sweet spot amount to place into saving pot ? or whatever value is fine ?

Depends on what you want. Reminder that all Aeon bank's interest is credited monthly only so calculation is not "divided by 365(days)" only but with an additional "times 30(days)", including both main account and saving pockets.

The saving pockets do not round off .005 daily but retains the value with exception unless the .005 is on the last day of the month. Personally, I just left 24.34 in the main acc and 2.03 in 20 pockets

oh, guess u r right. 1st year waived. now no more.

Why 24.34 and 2.03? Edit: Oh nevermind, read the part again, thanks!

This post has been edited by ASoulNamedLeo: Sep 4 2025, 09:30 AM

Why the website and app promote the term deposit 3.08 for 6 months. But inside app cannot find it.
It was available last month, after 01 Sept gone. But still say promo. Got limit?

This is actually a good idea because currently the RM20.00 stuck at AEON Bank doesn't earn any interest at all.

With your method, I will earn RM0.21 interest every month on RM64.94 of deposit. This is roughly 3.88% annualised.

I'll start next month.

means on the last day of the month, deposit 4.34 in the main acc, and 2.03 in 20 pockets?

No. You have to leave the money in the whole month.

However, I would leave main acc at RM20.00 because the interest there is a miniscule 0.25%. I wouldn't put more money into it than necessary.

So the total deposit at AEON will be RM60.60 (RM20.00 main acc and 20x pockets with RM2.03 each). Expected monthly interest is RM0.20 which translates to 3.96% annualised. Pretty decent compared to big fat 0% previously.

This post has been edited by Eugenet: Sep 8 2025, 09:21 PM

I mean, its true that the 0.25%pa is miniscule and by not putting the 4.34 in you are raising the interest rate to 3.96%pa

In my opinion, the 20 we have stuck in the main account is generating 0.004 regardless anyhow at the end of the month and since its below the 0.005 mark, we give it up to the bank. With the extra 4.34, it gets pushed up to 0.005 which is then round off to 0.01 into OUR account

By calculation, 4.34 generating 0.01 sen interest per month is approximately 2.76%pa interest rate anyways which is around the current OPR board rate and in my opinion, unless we can find banks that can offer rate higher than 4.15%pa (which will give a yield of 0.015 for 4.34), its not going to make much of a difference no matter where we put it :shrug:

That's why I'm putting small amounts to push up the minimum in all my bank accounts. Just my personal opinion anyways.

On a side note, if you guys are interested in still earning the 20 sen from pockets this month and have a bit of extra cash on hand, you will need ~3.05 in each pocket if you start tomorrow (i'm calculating as a duration of 20 days).

Main account calculation is a bit on the higher side so not really worth it already.

You can then adjust one the 1st next month.

I am new to this stuff. But if I understand some of you are depositing specific magic number amount to get advantage of the rounding up interest. Is there a specific reason not to just put in say 20K to get bigger returns? Or just to beat the system?
No offence meant, if I come across as too direct. Just really curious with all the interesting maths

You are correct to question. There people in this forum trying to squeeze a few extra sen out of banks. You won't get rich, but you have fun. I enjoyed soulreap's idea.

Mainly, I use KAF Bank 5%, RYT Bank 4%, Atlas Bank 3.88%.

AEON Bank is very low down the list. However the 3% becomes useful from time to time so that is why I still maintain this account. Hope this clarifies.

Maybe just some FYI.
First is a bit confusing, I got a notification "DuitNow QR Neko Mission" ends on 17 Oct. But when I check app and the T&C, says it ends 31 Dec. I guess tomorrow will know still available or not

There is new Neko missing "Cashback make easy" 20 cash back / 30 for new customer. And a chance for monthly prizes. See the website or app for details la.

Yeah, the 31 Dec for RM15 Neko has always been there. Anyway today last day according to their notice and I have 1 more Paw to go. Btw you can double dip RM15 & RM30 Nekos with one transaction.

Anyone received this notification from AEON Bank App? Look like 8x grocery rewards promo ending earlier.

Yup got it too. Such a waste, I really like this the most, as I do my grocery in Aeon.
And it's following the weird pattern, the website says it's 31 Dec end but they announce it ends tomorrow. And really tomorrow it's gone, and they will update the website then. Same happened for one of the neko missions.

Got email and push notification that the 3.0% on their Savings Pot has been extended. But didn't specify exactly until when. Was suppose to end 30 Nov.

Competition is hot I guess.

They are in losing end when majority gave 4%

Actually latest promo w.e.f 01/12/2025 by competitors have some fineprints in order to get 4% pa. Otherwise, they are offering 2-3% only. Seems like 3% by Aeonbank has no complicated T&C. Keep in the jar / pot, you get 3%.

Yes and also the website updated extended till end of Feb 2026