you are overcomplicating things dy bro..

I already confirmed it.

You confirm they merge together or count separately? Too many replies here paiseh  

So cannot put 182.50 for per saving pocket * 10 pockets?

FYI, I don't put till the max 20k, just the necessary amount to earn 6-7% p.a.

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

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..

I'm interested to try this, anyone has an extra invitation code? Thanks.

Any referral code to share? Or we just sign up. I thought it's not officially launched yet

hey bro i follow u make the 10 pocket is 19892.5
then the main account can i left remaining 10k+ in there . just for take usually 3%

Can. But if you have somewhere else to park the 10k+ will be better. Either Atlas for 3.88% or GO+ for 3.3%..

If dont have those or already maxed out those, then yeah can put in main account for daily 3% base rate..

Sign up was quick. User interface not the best, think GX has a better UI.

AI has alot of learning to do..

But so far still alright. Let's see how the calcs go.

You confirm they merge together or count separately? Too many replies here paiseh  

So cannot put 182.50 for per saving pocket * 10 pockets?

FYI, I don't put till the max 20k, just the necessary amount to earn 6-7% p.a.

How toake 6-7%p.a?

I looked at the examples they give. They are smart enough to separate the extra bonus 1% p.a. as a separate bonus interest to be paid to the Ryt pocket, so we cannot use round up trick directly here because 0.005*365/0.04 = 45.63 MYR, but 45.63*0.03/365 = 0.0038 MYR which is less than 0.005 MYR so the base interest of 3% p.a. will not be paid, let alone the extra 1% bonus.

The next best alternative is to apply the round up trick, but with a 3% p.a. rate instead of 4% p.a. In this case, 0.005*365/0.03 = 60.84 (the familiar magic number from BoostBank saving pots). If round up trick applies, we should get 0.01 MYR in the original save pocket (for 3% p.a.) but then we miss out again on the extra 1% p.a. because 60.84*0.01/365 = 0.00167 MYR which again is less than 0.005 MYR. Yet effectively we are still earning 6% p.a. because the 3% p.a. interests is rounded-up in this case, even though we totally lose out from the extra 1% interest bonus.

To take advantage of the 1% bonus, we need to fulfill the condition such that the daily interest earned is 0.005 MYR = 1% p.a. Solving this in maths means 0.005*365/0.01 = 182.50 MYR. Now 182.50 MYR in a saving pocket would yield 0.015 MYR interests daily, which rounds up to 0.02 MYR (if round-up tricks apply that is), then the extra 1% p.a. bonus interests would give another 0.005 MYR, again rounded up to 0.01 MYR. So now, we have 182.50 MYR giving us 0.03 MYR daily per saving pocket. That means an interest rate of 0.03*365/182.50 = 6% p.a.

Ermmm, so the 1% p.a. bonus interests is not really any advantage... 6% p.a. anyway, just some maths exploration from my side... 

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

You liked my post and you ask me again? 

I want a TLDR 😛

They have iOS widget like TnG ewallet
So far first bank app (that I’ve used at least) that has it
kind of stuff that will make it more likely for ppl to use on a daily basis (for quick QR scanning to pay or duitnow transfer ppl)