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 Atlas Digital Bank by Bank Muamalat, 5% Interest, Credited Daily (Promotion)

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Optizorb
post Aug 4 2025, 12:14 PM

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Ishhh..

As expected.. 1 month campaign only..

This post has been edited by Optizorb: Aug 4 2025, 12:15 PM
Optizorb
post Aug 4 2025, 02:30 PM

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I see fb comments and im confused. How would you interpret this?

Today is the last day for 5%?

Starting tomorrow ALL deposits 0.05%?

QUOTE
Hi there! 👋🏼
Yes, your current deposit is still eligible for the 5% p.a. profit rate, which will be credited tonight at 1 AM.
Please note that the usual rate of 0.05% p.a. applies to all deposits maintained starting Tuesday, 5 August 2025, 12 AM.
Thank you for your patience


This post has been edited by Optizorb: Aug 4 2025, 02:34 PM
Optizorb
post Aug 4 2025, 02:42 PM

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QUOTE(ericlaiys @ Aug 4 2025, 02:34 PM)
let check tomorrow result. if no 5%, get ready for mass withdrawal and potential system down
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the comment said tomorrow 5/8 (for today's deposits 4/8) will still get 5%..

subsequent line clarifies that "0.05% p.a. applies to all deposits maintained starting Tuesday, 5 August 2025, 12 AM."

means 6/8 we wont get 5% anymore right.. even for existing/current deposits.. not just for new deposits..

This post has been edited by Optizorb: Aug 4 2025, 02:44 PM
Optizorb
post Aug 4 2025, 03:40 PM

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QUOTE(Medufsaid @ Aug 4 2025, 03:33 PM)
i pick RM10k as there's report of TnG GO+ suspension if suddenly influx of RM20k (max GO+). it's only 10k so no sweat
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yes, GO+ will suspend you if you influx big money, then withdraw it next day to put somewhere else..

so why even bother with GO+.. the rate now 3.33% BEFORE minus fees (actual around 3.27%)... just put in boost special jar 3.3% nett better (plus have rounding up as well)

then next day withdraw to put in KDI or Versa..

This post has been edited by Optizorb: Aug 4 2025, 03:41 PM
Optizorb
post Aug 4 2025, 03:47 PM

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My 50k = done withdraw 20k to boost.. left 30k in atlas to get the last 5%..

tomorrow Tuesday = withdraw another 20k to boost, total 40k in boost.. then move 40k to KDI before 11am. 10k left in atlas will burn for the day with 0.05% interest..

Wednesday = withdraw remaining 10k in atlas and move it to KDI. By Wednesday KDI will have total 50k back.


Optizorb
post Aug 4 2025, 04:04 PM

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QUOTE(kremlin @ Aug 4 2025, 03:49 PM)
Both KDI and Versa.. are they safe?
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depends how you define safe.

no PIDM so i cant guarantee for you that it is the highest level of safe.

but those 2 are relatively safe..
Optizorb
post Aug 4 2025, 04:22 PM

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QUOTE(ericlaiys @ Aug 4 2025, 04:18 PM)
keep rm1 better. no point keep rm100. By the way, how long we need to wait before request to close an account? 3 month? 6 month?
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why wanna close. you can withdraw to 0.00
Optizorb
post Aug 4 2025, 06:58 PM

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QUOTE(guy3288 @ Aug 4 2025, 06:23 PM)
No, i asked him tonight can get 5%
he said not sure....
wait and see
itu macam pun boleh.... hmm.gif
according to Terms and conditions how?

5% end when campaign ends correct?
Upon the conclusion of the Campaign Period, the campaign
profit rate of 5.00% p.a. shall cease to apply
if it turns out  to be 0.05% tonight,
Atlas stand to gain at least RM6850 from all of us
just  on the excuse oh we are not  so sure..
i am doubtful about that,
i rather go get RM4.5 from Boost or Rize (min 50k)
than hoping for RM6.85 and get RM0.07
last profit? is over i think
*
their CS already stated, today's deposit will still get the 5% rate. So today is last day as announcement is done today..

It's logic as well.. They made announcement saying campaign has ended. So whatever changes in business transaction terms should start to take effect from the following day onward..

Cant be they announced it at 12pm, then those who deposited before 12pm on the presumption of availability of 5% rate then suddenly cause of 12pm announcement dont get the 5% dy.. So have to take effect from next day onward lor..

This post has been edited by Optizorb: Aug 4 2025, 06:58 PM
Optizorb
post Aug 5 2025, 10:46 PM

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QUOTE(faizfizy39 @ Aug 5 2025, 10:23 PM)
Siapa yg baru sign up and not much money kesian need to lock rm10 lagi. Ok la offset with voucher
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why need lock RM10. Can leave RM0 balance.

anyway I'm sure they will come up with a new promo soon. Probably would be similar rates as other digital banks, so around 2.5~3%

I think if they give 3% and increase daily limit to 50k, MANY people will gladly move over. Cause their app seems good, UI and UX is at a sweet spot..

This post has been edited by Optizorb: Aug 5 2025, 10:50 PM
Optizorb
post Aug 6 2025, 01:28 AM

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QUOTE(Optizorb @ Aug 4 2025, 03:47 PM)
My 50k = done withdraw 20k to boost.. left 30k in atlas to get the last 5%..

tomorrow Tuesday = withdraw another 20k to boost, total 40k in boost.. then move 40k to KDI before 11am. 10k left in atlas will burn for the day with 0.05% interest..

Wednesday = withdraw remaining 10k in atlas and move it to KDI. By Wednesday KDI will have total 50k back.
*
done withdraw balance 10k in atlas..

profit was 1 cent wub.gif

RM0.00 in atlas now

This post has been edited by Optizorb: Aug 6 2025, 01:29 AM
Optizorb
post Aug 6 2025, 01:38 PM

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QUOTE(ericlaiys @ Aug 6 2025, 01:34 PM)
10. What happens if I do not conduct any transactions within my account?
If no transaction is made within ninety (90) days from the account opening date, your account will be automatically closed by ATLAS.
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done set reminder 80 days from now to make a transaction to/from Atlas..
Can just transfer RM1 in and transfer RM1 back out..
Optizorb
post Aug 6 2025, 03:15 PM

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QUOTE(jasontoh @ Aug 6 2025, 02:18 PM)
I can withdraw until 0.01 only. Why?
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no idea, i had 10,040.xx balance.

i did 10k QR, and 40.xx duitnow transfer..
Optizorb
post Aug 8 2025, 12:39 AM

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QUOTE(richtrons @ Aug 8 2025, 12:35 AM)
Atlas cannot login now?😅
*
maintenance
Optizorb
post Aug 8 2025, 01:45 PM

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QUOTE(poooky @ Aug 8 2025, 01:37 PM)
How you calculate this?
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0.845 * 365 / 3.88%
Optizorb
post Sep 29 2025, 06:33 PM

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QUOTE(brandonkl @ Sep 29 2025, 06:32 PM)
3.88% extended for another month until 31 October 2025.
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good news bero thumbup.gif
Optizorb
post Oct 28 2025, 08:29 PM

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QUOTE(bingozero @ Oct 28 2025, 08:25 PM)
[attachmentid=11521117]
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so extend till end of the year? Naiseee
Optizorb
post Oct 30 2025, 05:15 PM

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It's official. Extended till 31st Dec 2025

user posted image

 

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