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Banking AEON Bank Malaysia, Malaysia's First Digital Islamic Bank

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cclim2011
post May 24 2024, 04:47 PM

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mine also straighaway verified. but cant see the 3000 points whatsoever after duitnow over. membership expired shown. 😂

This post has been edited by cclim2011: May 24 2024, 04:47 PM
cclim2011
post May 24 2024, 05:12 PM

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QUOTE(Arsyad1105 @ May 24 2024, 04:50 PM)
When you're registering? Yesterday?
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few hours ago haha

QUOTE(ronnie @ May 24 2024, 04:50 PM)
Maybe expired AEON member need a few working days to "get renew plus points"
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ya i called. cs said wait 7 days. 😂
cclim2011
post May 25 2024, 08:35 AM

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QUOTE(xkaizoku @ May 24 2024, 11:55 PM)
mine also exceed 24 hours already, very disappointing experience with them.

Registration to open savings account only also take so long. I registered for alliance savings, took few mins only from register to transfer money into account.
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alliance charge rm0.50 for duitnow?
cclim2011
post May 25 2024, 10:14 AM

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QUOTE(wjleong15 @ May 25 2024, 09:09 AM)
>5k?
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oh ok. i transfer tens of k after fd mature kenan50cent every time. shld do many 5ks then.
cclim2011
post May 25 2024, 10:31 AM

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QUOTE(jack2 @ May 25 2024, 10:29 AM)
it seems they approve accounts is not according to the first come first serve.

Forget about them. I will stick to GX and other banks.
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some profiles just need more checking and it's specific to each bank. all banks the same. my gx took few days.
cclim2011
post May 25 2024, 10:33 AM

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QUOTE(jack2 @ May 25 2024, 10:32 AM)
So strange. My GX took 2-3 hours only. Bank Islam was instantly.
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each bank has their own checking criteria.
cclim2011
post May 25 2024, 10:40 AM

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QUOTE(jack2 @ May 25 2024, 10:35 AM)
Yes, I agree on what you said. If they can't fulfil it, don't write 10mins - 24 hours.

Rize does mention it takes few minutes but sometimes takes 1-2 days. So this is fair and acceptable if you write this.

Contrary, AEON bank did not.
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i actually saw 48hrs in their faq. may be they just changed it.
cclim2011
post May 26 2024, 02:46 PM

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gosh. i chose pink fpr ocbc once. 😂
easy identifiable ma
cclim2011
post May 26 2024, 05:27 PM

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just buy alchohol with other cards or cash please.
cclim2011
post May 27 2024, 11:47 AM

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user posted image

ok can collect points for one year. 😂

This post has been edited by cclim2011: May 27 2024, 11:48 AM
cclim2011
post Jun 1 2024, 10:23 AM

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QUOTE(Optizorb @ Jun 1 2024, 01:31 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
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thanks. following 2b. bulk in one pot. no max for pot right to get 3.88

cclim2011
post Aug 28 2024, 09:55 AM

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can't transfer out. after fingerprint the approved page keep loading.
cclim2011
post Aug 28 2024, 02:24 PM

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QUOTE(cclim2011 @ Aug 28 2024, 09:55 AM)
can't transfer out. after fingerprint the approved page keep loading.
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managed to transfer after calling them and suggesting that it's they who blocking me. customer service said will send me email asking me to attach snapshots 😂

i didnt do anything after the call, and managed to transfer like 2 minutes later.

i did 50k yesterday, and tried another 50 today.
cclim2011
post Sep 1 2024, 10:00 AM

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QUOTE(Cookie101 @ Sep 1 2024, 08:54 AM)
Does anybody else gotten interest payment less than what they were supposed to get…

Let’s say 50k for month for august… should be expecting 164.77?

But I only received 84.55…
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one of my pot about 501xx whole month. i got rm164.80.
cclim2011
post Sep 1 2024, 09:52 PM

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QUOTE(Zaryl @ Sep 1 2024, 09:45 PM)
Still learning though, so please teach me on how to get exact profit calculations.
But then again, I'm not too keen on getting "too perfect" profits calculations at the end of the day.

I simply park certain amount of money, getting enough profits, even if the numbers doesn't really tally to 100.9999999% accuracy, then it's good enough already for me.
I ain't no maths or economic professor so yeah.

and i have another investment drivers to reap all the profits and I can say the same for the rest of you sifus here.
AEON is definitely not my main focus but it's good to have diversity.
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just put everything into pots everytime and leave rm20 in main. max you can get is 3%, not counting the rm20 in main.
cclim2011
post Sep 2 2024, 05:48 PM

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nobody considering boost eh? 3.6 right?

and 4% till early November by paying some digi celcom bill.

limitation is 10k transfer per day
cclim2011
post Sep 3 2024, 12:43 AM

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QUOTE(Optizorb @ Sep 2 2024, 07:14 PM)
boost 4% is ok , but then the daily limit really trash.. max 10k/day.. that's why many people not interested  doh.gif

i wanted to join boost bank until found out the daily limit..
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ok la. start 3rd Nov withdraw 10k per day lo haha. 😋
cclim2011
post Sep 3 2024, 09:43 PM

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i started on 27th. 28th kena banned jor, but after a call, everything went well. but i think it's fair la, not losing any confidence on it.

 

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