ah... i read wrongly... thanks

Worth it transfering from tounchngo to ryt?

Relianne yes. tng 3.x% vs ryt 4%

Of course. But see la if you want the extra money. If not no need for the hassle.

thanks, as I know there is no issuance fee of debit card which last until 30th November 2025

4% until when?

Until promo ends.
18/08/2025 to 30/11/2025
The Campaign is capped at total deposits of RM1,000,000,000.00 placed by all customers during the Campaign Period ("Maximum Cap"). The Bonus Interest shall be allocated on a first-come, first-served basis. Once the Maximum Cap is reached, no customers will be eligible for the Bonus Interest (as defined below).

https://www.rytbank.my/bonus-interest-campaign

This post has been edited by Ramjade: Aug 20 2025, 09:39 AM

So conclusion is just dump 20K inside the pocket to get the 4%?

yes.
and use their AI to transfer RM10 x 5 times to get RM1 x 5 rewards.
also can request for their debit card (physical card) for free.
no foreign fee and 1.2% overseas cashback, better than GX.

This post has been edited by sjz: Aug 20 2025, 12:00 PM

Do you received the full interest RM1.64+0.55 yesterday for having RM20000 in 1 pocket saving?

I just read the FAQ. They still round up the daily interest one. But they also keep track of the leftover la which is residual mentioned in the faq. Then next day it’s added back into the calculation. There's a table as example one in the FAQ. Soooo basically, nothing is lost, just balanced out over time. 😂

https://support.rytbank.my/articles/46844765862297

This post has been edited by ishadows: Aug 20 2025, 12:18 PM

very details.... that shows we can't do the magic number and they used up to 9 decimal points

This post has been edited by ronnie: Aug 20 2025, 12:41 PM

They lend you 0.005 MYR for one day, then deduct it from the next day, hopefully not charging you any overnight interest .

Hmm... BNM has no rules for counterparty risk like this?

Yea, no more round up round down thingie. 20k 4% p.a. that's it. No need to test 182.50 MYR x 10 saving pockets liao Ramjade game over before it starts.

YTL are run by "smart" people ...AI powered tooo

time to close all the Pockets

This post has been edited by ronnie: Aug 20 2025, 12:51 PM

why wanna close? too smart?

just use the default Ryt Pocket is sufficient with RM20k

I already close all pockets since last night. Now only left Ryt pocket with 20k. And it looks clean now without so many pockets.

the money in sound terkejut me when i was sleeping

kns

ok to put like this?

• Main account RM0.00
• Ryt Pocket RM20,000.00

Was about to ask the same