How to make 6-7%p.a?

This post has been edited by Ramjade: Aug 19 2025, 04:04 PM

I want a TLDR 😛

I move money from KDI save to ryt bank. Good to have 20k in liquidity Vs KDI save. Once promo over will move money back to KDI save.

If like TOS2 does. Choose 6-7%p.a

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

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

This is for physical swipe not virtual (online ) swipe.

You can set your limit. I set it to RM2Ok to remove the RM20k when the promo ends. So no cooling down period.

It's is bank. What do you expect? Just get a cheap spare phone and keep it at home. Use that number exclusively for banking only.

Er, it is there
https://www.rytbank.my/fees-and-limits

If you don't want to open close everyday, just dump RM20k in.

What's the magic number and can automate everything with AI?

Cause I tried AI to close account and auto transfer cannot close account and auto transfer one shot. Need to approve 1 by 1 manually.

Looks like it. But you have to open close daily?

Open close daily?

This post has been edited by Ramjade: Sep 3 2025, 11:01 AM

I saw they mentioned 1 minute like that

All digital bank will reduce their interest once their marketing budget finishes.

You cannot keep burning money forever unless somehow you can print money indefinite.

If you rajin to move RM0.01 daily you can still get 4% p.a with GXbank despite them lowering rates.

This post has been edited by Ramjade: Oct 4 2025, 02:38 PM

Of course they need you to spend cause they need to get back their money.

Likely yes. Only 3%

This post has been edited by Ramjade: Nov 24 2025, 02:57 PM

Of course. Slowly pull you into their ecosystem. If they give you 4% p.a they will lose money ma. You cannot keep burning investor money. You can burn for short while.