is it confirmed they would round up like GX?

naisu. thanks.

anyway IINM, i saw earlier their formula is 365 days not 366 days

Question:
im not aeon member..

for the aeon points, need to register for aeon member before can redeem 3k points to RM15?

or if not aeon member also can redeem the 3k points?

successfully redeemed for rm15 as well?

interest is counted daily, but not accumulated daily

accumulated daily means will have daily compounding effect..

if day 1 you deposit

until day 21 you withdraw all out, then yes you will get 20 days of interest

each pot and main would be calculated separately.

so for your case would be 1k * 3.88% x2

created 2 accounts, both instant approved no delays.

1 account received the 3k points immediately

1 more account not yet receive the 3k points, but i think cause they detected got expired aeon membership. i think need wait for the free renewal to complete first then only will get the points?

yea few others mentioned as well. been happening quite frequently the past 1~2 days

at least when rize had mass transaction issues, it's mostly settled at same day. Only the "stuck" transactions will take time to refund once report lodged with rize CS.

Seems aeon is worse, few days still recurring and not settled.

wonder what time will get the interest

oh interest in dy.
if you see total balance you will notice it is more than before..

but the calculation is damn wacky. need wait till they show the credited part first.

i was testing the pots.

i have pots of 47.18 x2 and 47.19 x2. by right would get 4 cents. but i get 2 cents only

the funny part is 1 cent get from pot with 47.18 and 1 more cent get from 47.19 pot, but the other 47.18 and 47.19 pot no get 1 cent

wadepak aeon.
dont know delay not finish crediting or what, i'll give till tmr morning to reconfirm

This post has been edited by Optizorb: Jun 1 2024, 12:25 AM

a̶l̶s̶o̶ f̶u̶n̶ f̶a̶c̶t̶:̶ t̶h̶e̶ R̶M̶2̶0̶ m̶i̶n̶ b̶a̶l̶a̶n̶c̶e̶ t̶h̶e̶y̶ r̶e̶a̶l̶l̶y̶ l̶o̶c̶k̶ i̶t̶ i̶n̶, t̶h̶e̶y̶ w̶o̶n̶t̶ t̶a̶k̶e̶ i̶n̶t̶o̶ a̶c̶c̶o̶u̶n̶t̶ f̶o̶r̶ i̶n̶t̶e̶r̶e̶s̶t̶ c̶a̶l̶c̶u̶l̶a̶t̶i̶o̶n̶

i̶ t̶e̶s̶t̶e̶d̶ m̶a̶i̶n̶ l̶e̶f̶t̶ 2̶7̶.2̶0̶ +̶ 2̶0̶ l̶o̶c̶k̶ i̶n̶ =̶ t̶o̶t̶a̶l̶ 4̶7̶.2̶0̶ b̶u̶t̶ n̶o̶ i̶n̶t̶e̶r̶e̶s̶t̶

EDIT: no longer relevant, see next page.

This post has been edited by Optizorb: Jun 1 2024, 01:33 AM

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

This post has been edited by Optizorb: Jun 1 2024, 01:40 AM

no need roughly. it is precisely 47.17

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

This post has been edited by Optizorb: Jun 1 2024, 06:16 PM

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



This post has been edited by Optizorb: Jun 1 2024, 06:13 PM

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.

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.

Seems like this cannot transfer money thing affects people randomly and at random times. Today is you, tmr could be me

Last time for rize, if one person kena means a lot of others will kena as well. So you will know immediately whether the problem is with you or with their system.
But with aeon, and with such response from CS how you going to know whose side having problem/downtime kek

As bad as rize was when they had their downtime, at least their CS was competent enough.

aeon bank pocket trick wont work i think.

cause they only round up the sum at the end of the month. so only 1 time rounded up, and not daily.

but if you want to try also no harm.