After the first transfer using Ryt AI, can ask Ryt AI to transfer the same amount (if your first transfer is RM10 as well) to the same recipient

is there a way to change their stupid notification sound?

After first transfer. I just ask ai to, repeat last transfer.

Quite impressed with their app so far. Smooth and fast. Hopefully when more people sign up, still smooth and fast, unlike Al-Rajhi app which have issues during daytime since last week.

Overall, better than Atlas Bank Muamalat, KAF Digital and Al-Rajhi that I signed up in last few weeks.

EDIT: Magic numbers below are useless because Ryt is using residual balances. On Day 1 it will seem like rounding up works, but on Day 2 it wont round up. So end results is it evens out..

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Magic numbers for you all, based on my understanding.
Will need to confirm the results later..

#1 Ryt Savings Account = 60.84 * 3% / 365 = 0.005 = 0.01

#2 Save Pockets (total 10, for a combined sum of 20k)
20,000 * 1% / 365 = 0.547 = 0.55 is the limit.

So max needed is 0.545 * 365 / 1% = 19892.5 <<< this is the amount needed to be divided across all 10 pockets.
Break it down as follows:
1) Ryt Pocket (aka Pocket 1) = (any amount up to) 19344.94 * 3% / 365 = 1.589 = 1.59
2) Pockets 2-10 = (fixed amount) 60.84 * 3% / 365 = 0.005 = 0.01 x9 = 0.09

Total sum in pockets = 19344.94 + (60.84 * 9) = 19892.5
Total sum in ryt account = 19892.5 (10 pockets) + 60.84 (main) = 19953.34

Final interest gain amounts:
~ 1% bonus = 0.55
~ 3% base = 1.59 + 0.09
=2.23
+ 1 cent from ryt savings account = 2.24 daily for 19953.34 total amount in entire ryt account.

conventional: 19953.34 * 4% /365 = 2.19. Follow my steps and you can get extra 5 cents daily..

This post has been edited by Optizorb: Aug 20 2025, 01:39 PM

how to get invitation code?

Daily interest of RM 2.19 credited at 12.05 am

This post has been edited by brandonkl: Aug 19 2025, 12:15 AM

all my pocket got 2 sen

Noice their interest crediting very very early.. And can confirm this works

No matter the amount as long as below 20k, will confirm get extra 5 cents daily with magic numbers.

This post has been edited by Optizorb: Aug 19 2025, 12:23 AM

This should be pockets 2-10 right?

Ahh yes, i ter-follow my naming scheme. Cause ryt pocket is pocket 0, so my own pocket i start naming from 1-9

This post has been edited by Optizorb: Aug 19 2025, 12:33 AM

RM 0.01 interest earned in main account with RM 60.84.

So it works just like GXBank & Boost Bank.

Saving pockets didn't try yet, wait for fellow mates here report results.

RM182.50 in Save Pocket gets 2 sen per day + 1 sen bonus

This post has been edited by ronnie: Aug 19 2025, 08:01 AM

No annual fee for debit card right?

Tried all pockets and main account with 60.84. All got 1 cent credited. For the bonus interest of 1% based on total saving pockets of 608.4, will give you extra 2 cents resulting in 7.2% p.a. yield for the 608.4 excluding main account of 60.84


This post has been edited by FGG28: Aug 19 2025, 07:15 AM

None at the moment.

Received. Thanks.

This post has been edited by Vickyle: Aug 19 2025, 08:08 AM

The 3% goes to Save Pocket
The 1% Bonus goes to Ryt Pocket

So RM182.50 gets RM0.03 (2 sen +1 sen)

This post has been edited by ronnie: Aug 19 2025, 08:04 AM

So is it 60.84 or 182.50?

when next day no interest. should be less than one month should be. if 50000 people sign up