RM182.50 per Save Pocket

RM60.84 for Main Account (typo)

This post has been edited by ronnie: Aug 19 2025, 02:18 PM

hahha...i've used up 5 invite. u can try go main website and join wait list

follow this, also fail

i just block the small sensor

done registered in less than 5 min no need wait to approve le so fast.

Thank you for doing the maths. Unker feel so dirty exploit like this

When you said Main Account. Did you mean “Ryt Pocket?”

Although we can have 10 pockets, we just create 9, right?

Please don't post your invitation codes here. Thanks.

Is this correct or do I need some rm60.83 in the top main account also?


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Max pockets allowed is 10. When open account, Ryt pocket already exist and we can create additional 9 for total of 10.

I'm confused. Say I am targeting 1 sen per pocket, is the minimum amount 60.84?

Main account also 3% interest. So need to put in RM60.84 to get 1 sen.

RM60.83 will mean RM0.00499972 daily. Will it be rounded up to RM0.005?

it will become 0.01, rounded up from 0.005.

60.84*3%/365 = 0.00500054794

This post has been edited by Skeuomorphic: Aug 19 2025, 12:21 PM

anyway alternative just dump in my alrahji...no complex calculation just pure 3.3% pa daily compoundd ; monthly payment

False. False. False. False.

yup. we create 9 pockets on our own.

Main savings account and Ryt pocket are incorrect.

The other pockets are correct. Just follow what I have given.

Updates from my side:

182.50 indeed yields 3 cents (2 in saving pocket, 1 cent in Ryt pocket).

The problem is you can't do this for all 10 saving pockets, because of the way Ryt calculates the bonus interest, i.e., they lump everything together to compute the 1% bonus interest.

If we were to follow their interest calculation example in the bonus interest T&C: https://www.rytbank.my/bonus-interest-campaign

Then they will lump all 10 saving pockets' money together to count the 1% bonus interest, which means 182.50*10*0.01/365 = 0.05 which will NOT be rounded to 0.1

Recall in the ONE pocket case, we have 182.50*0.01/365 = 0.005 which gets rounded up to 0.01, but multiply that by 10 saving pockets and the aggregate interest of 0.05 exceeds 0.01, so you won't get 0.1 but 0.05 only.

This difference means the effective rate is now (0.2+0.05)*365/1825 = 5% p.a. instead of 6% p.a. (Previously effective rate is (0.2+0.1)*365/1825 = 6% p.a.) That 0.005 MYR can cause a 1% drop in effective rate.

That said, I only tried with one saving pocket yesterday, so I am not sure if they count the saving pockets interest in one lump sum or separately. Other sifus and users can confirm that?

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This method sure works better, with the only risk that the 0000000547... gets carried forward long enough to complicate the daily calculation many months/years down the road. There is no official source on how many decimal points they keep. Examples show 6-7, but no black and white.

This post has been edited by TOS2: Aug 19 2025, 12:59 PM