Then I guess the best will be 9 pockets with RM 182.50 and the last pocket will be the remaining of our RM 20000 fund if TOS2's assumption is right

I can see the appeal of AI. It can be very convenient for a lazy person like me.

This post has been edited by Fantasia: Aug 18 2025, 10:32 PM

All of my 10 pockets with RM 182.50 also get 1cent today while I got 2 cent yesterday. I think just dump 20k into 1 pocket also get us the same interest after average out🤔

This post has been edited by Fantasia: Aug 20 2025, 08:06 AM

0 conversion fee

I think the spending mechanism is finalised cause I received another email from Ryt Bank 10 minutes ago. Need to get 5 stamps (minimum RM 10 spending per stamp) to get 1% bonus interest. Or else, you still only get 3% base interest. Time to move my cash...

If you do not want to play the game, I guess you can just put RM 60.84 to 9 saving pockets and close daily to get close to 6% PA. That will be my plan and move the remaining fund to other places.

This post has been edited by Fantasia: Dec 1 2025, 09:44 AM

182.50 works for me from first day until this morning so I do not see why 60.84 does not do the same

Ryt Bank also need to reduce their cost ma. Webull is not PIDM insured. Although I did transferred all my fund to Webull, I do see why some will still stick to Ryt Bank.

Cause you just want to get return from your idle fund, you do not need any banking services. Some stick to Ryt Bank cause they want to use it for its banking services. Its paylater service (provided you are discipline) can be a good tool for the young one to start building their credit score.