Can select acc number and free 3000 points=RM15,i already redeemed RM15, very nice

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

Eh… normal to hold rm200 . So not advisable to use debit card

3.00% p.a. profit rate extended until 28 Feb 2025.



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