Yesterday you put 60.84 in main pocket, didn't put any in savings pocket. Received 1 cent in main pocket, correct?
and today you leave 60.84 in main pocket, while you put 60.84 in each savings pocket. Received 1 cent in each savings pocket but not 1 cent in main pocket, correct?

Yupe. Correct as you said.

Yesterday you put 60.84 in main pocket, didn't put any in savings pocket. Received 1 cent in main pocket, correct?
and today you leave 60.84 in main pocket, while you put 60.84 in each savings pocket. Received 1 cent in each savings pocket but not 1 cent in main pocket, correct?
Then this sort of confirms my suspicions that magic numbers might not work at all.. Cause they go by residual balance..

So if Day 1 (60.84 x 3% /365 = 0.005 = 0.01 interest) gets rounded up.. Your balance now becomes -0.005 actually..
Then Day 2 (60.85 x 3% /365 = 0.005 + (-0.005)= 0.00 interest) it doesn't get rounded up and no interest earned on day 2.
And on Day 3 it will follow Day 1 again and the process starts all over..

What I'm surprised by this is that Ryt choose to "upfront" you the first round up..

anyway will need to wait confirmation from those that put 182.50 in day 1 and received 2 cents, whether their day 2 still receive 2 cents or become 1 cent dy due to the residual balance thing..

It seems like Ryt is smart to use the residual balance method so customers cant use rounding up to earn the extra cents like Gxbank.

Therefore it is pointless to create so many pockets. We just need one pocket and dump rm20k inside to earn the max of 4%.

It seems like Ryt is smart to use the residual balance method so customers cant use rounding up to earn the extra cents like Gxbank.

Therefore it is pointless to create so many pockets. We just need one pocket and dump rm20k inside to earn the max of 4%.

Need someone who placed 60.84 in saving pocket the day before yesterday and gotten 1 cent, to confirm whether today received 1 cent?

and

Need someone who placed 182.50 in saving pocket the day before yesterday and gotten 2 cent, to confirm whether today received 2 cent?

anyway will need to wait confirmation from those that put 182.50 in day 1 and received 2 cents, whether their day 2 still receive 2 cents or become 1 cent dy due to the residual balance thing..

It seems like Ryt is smart to use the residual balance method so customers cant use rounding up to earn the extra cents like Gxbank.

Therefore it is pointless to create so many pockets. We just need one pocket and dump rm20k inside to earn the max of 4%.

From my side:

Place 18/8/2025
1 x Save Pocket RM182.50
Interest received = RM0.03
Rate of Return = 6%

Place 19/8/2025
Still the same 1 x Save Pocket RM182.50
Total Interest received = RM0.01
Rate of Return = 2%

The funny thing is the average is 4% haha

From my side:

Place 18/8/2025
1 x Save Pocket RM182.50
Interest received = RM0.03
Rate of Return = 6%

Place 19/8/2025
Still the same 1 x Save Pocket RM182.50
Total Interest received = RM0.01
Rate of Return = 2%

The funny thing is the average is 4% haha

Then this sort of confirms my suspicions that magic numbers might not work at all.. Cause they go by residual balance..

So if Day 1 (60.84 x 3% /365 = 0.005 = 0.01 interest) gets rounded up.. Your balance now becomes -0.005 actually..
Then Day 2 (60.85 x 3% /365 = 0.005 + (-0.005)= 0.00 interest) it doesn't get rounded up and no interest earned on day 2.
And on Day 3 it will follow Day 1 again and the process starts all over..

What I'm surprised by this is that Ryt choose to "upfront" you the first round up..

anyway will need to wait confirmation from those that put 182.50 in day 1 and received 2 cents, whether their day 2 still receive 2 cents or become 1 cent dy due to the residual balance thing..

Let me pretend to be a dumbass and complain to their customer service. Let's see what they say. You guys should do the same. Complain about the erratic interest payments. If they truncate or round up, then we can keep gaming their system hehe

The accountant has spoken, indeed I think the same too. You earn more today, you earn less the next day.

The ridiculous thing is their system allow such borrowing of 0.00X amount from one day to the next. Such short-term borrowing is unheard of in any digital bank. Either you round up interest or you truncate at a certain decimal point.

Coupled with their AI thingie, one day sure will have problem down the road. Can complain to BNM?  Or maybe ask Ryt AI why you give me less interest today?

Let us know the AI will answer correctly

Recording your microcents until you get RM0.01 (dunno if they throwaway after a certain decimal) is what tng ewallet does