There are some potential complications to the way the daily interests are calculated. It really depends on how many decimal points they keep in the system. The Help and Support page on the website is down, so I screenshot it from my phone.



So if we are aiming for a clean 6% p.a., the 182.50 MYR route is one good way, because there are no residual natural number beyond the third decimal point (daily interests of 0.015 and 0.005 respectively)

There is also the BNPL feature called Ryt PayLater which isn't rolled out yet I think.

https://www.rytbank.my/fees-and-limits



The 1-month 0% interest is tempting, but make sure you clear your outstanding balance strictly within 1 month, otherwise the 26.80% p.a. ridiculous rate will kick in from the coming months onwards.

60.84 * (10 pockets + 1 main account) is surely going to work with returns of approximately 7% p.a., as shown in FGG288's post.

I will test with the 182.50 * 10 saving pockets tomorrow, results coming out on Thursday morning and will update you again by then.

Recording your microcents until you get RM0.01 (dunno if they throwaway after a certain decimal) is what tng ewallet does

dwRK was referring to TnG ewallet GO+ decimals

so for GO+ case, you won't get RM0.01 on day 1, but you'll get it on day 2