Created the pots on 26th is it correct only given 3 sen for RM47.17?

Or is it short? Thanks

3 cents is correct

47.17 X [3.88%/366] X 6days

tested no problem access from oversea . using hotel wifi and roaming data.

ok yes, the crediting was delayed, looks like it is staggered disbursement even within same account.

anyway all my money is in and correct. i can help to confirm few things for others who might find it useful.

1) the formula for calculation is indeed 366 days and not 365 (despite written 365 in their FAQ page)
so: end of day balance * 3.88% /366 = interest

- all my pots with min balance needed to get 1 cent using 365 days no get interest
- all my pots with min balance needed to get 1 cent using 366 days got the interest

2) the magic number is 47.17 x 20 pots. then leave the rest big bulk in main account. or if you want to be safe, 47.17 in main account + 19 pockets, 1 pocket for the rest of big bulk amount
With example of 50k:
a) without doing so, you only get 5.30/day
: 50,000 * 3.88% /366 = 5.30/day

b) with doing so, you can get 5.40/day aka extra 10 cents/day or RM3.00/month + have extra 51.60 to spare
: 47.17 x 20 pockets (943.40) = 0.20/day
: 49,005 * 3.88% /366 = 5.195 = 5.20/day
: 0.20 + 5.20 = 5.40/day

:: 50,000 - 943.40 - 49,005 = 51.60 extra, do whatever else with it. basically keeping this amount wont be earning you anything.
^for example of 50k only. other numbers do your own calculation to find your own sweet spot

c) if you not planning to use aeon, can keep 47.17 x 21 (20 pocket + 1 main) = 990.57 to get 7.76% pa returns on it
- normally 3.88% supposed to get 11 cents/day, but you gonna get 21 cents/day

3) speaking of main account, the RM20 locked in will be taken into account for interest crediting. I got my 1 cent with 27.20 + 20 (locked) = 47.20

Does this magic number work for non-daily interest payout (like GXBank) ?
Based on my numbers, it will not.

I think that's because AEON apps blocks all access via VPN.

When you are roaming using certain SIM cards, for example Digi SIM card, overseas, the local networks automatically create a VPN connection to Digi network in KL.

The same happens in the UK.
If I use Celcom or Digi internet roaming, AEON apps refuse the connections.

If I connect using local UK SIM cards/WI-FI, it works.

Don't think AEON will ever release this block. It has been built into their safety policy

@Arsyad1105

Referencing your reply today at 5.11pm
Please rethink your post carefully as what you mentioned can be constituted as slander. Funny or not, it won't become a joke when you are served a legal demand letter by AEON Bank + this thread possibly closed.

Your post should not be setting a precedent for similar posts to appear in the future in this thread.

Tried to add money and just realised it can only be done via DuitNow. No fpx. Confirmed by their customer service

newer banks or merchants beginning to stop using fpx and it will be replaced by DuitNow called DuitNow OBW = Online Banking/Wallet

essentially same as FPX but supporting ewallets too (not fully activated yet)

if you noticed, initial rm20 transfer comes from 2 options:

1) duitnow transfer (other banks/wallets push money into aeon bank)
2) duitnow obw (pull money from other banks)

I didn't see that obw thing

if you have 47.17, you should be getting 1 cent a day. so from 26th till 31st should have 6 cents   

care to explain why it will not?
im also trying to figure out why the other user who put 47.17 for 6 days but get 3 cents only..

cause i just tested for 1 day only, deposited on 31st.
as you can see i received 1 cent interest for 47.17 pot, 47.18 pot and 47.19 pot

your test case of one day does not APPLY TO the monthly 30/31 day calculation...

47.16 x 1 x 3.88% / 366 = 0.0049 ~ RM0.00
47.17 x 1 x 3.88% / 366 = 0.005 ~ RM0.01

Your one-day (31st May) is not conclusively as proven by eeeglow24 who deposited RM47.17 since 26th May

You proven the 0.005 becomes 0.01 only.

newer banks or merchants beginning to stop using fpx and it will be replaced by DuitNow called DuitNow OBW = Online Banking/Wallet

essentially same as FPX but supporting ewallets too (not fully activated yet)

yea i got a feeling maybe they only do the rounding after total-ing the 30 days sum.

so only the final amount which is the payout that would get rounded up/down.

pretty sure that's the way.... the 1-sen thief method works for daily interest credit i.e. GX Bank

makes sense. you will see the rounding effect benefit if it credits to you daily

but if not credited daily, stored by computers then i guess it will just maintain all the decimals to tally together and no rounding being done cause no payout being done.

anyway, i'll just keep the 47.17 x20 pockets for now, to confirm how it truly works come next month.
If nothing weird happens, then at worst also will still get the same interest as keeping it all in 1 place without pockets.

Where can I try Duitnow OBW? I saw faq it's available for shopee and Razor but can't find that option.

any idea, for the 3x Aeon point per RM spend, is it applicable to spend at Aeon only?

how about other spend such as paying TNB bills

*i unable to find the terms and conditions or product disclosure sheet.. aeon bank website just showed the FAQ only