Banking Ryt Bank Updates and Dicussions, 3-4% p.a. daily, 1.2% overseas cashback
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 Aug 18 2025, 08:17 PM
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#1
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Senior Member
2,542 posts Joined: Jan 2003 
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After getting invite code from TS, my account is set up within 10mins upon transferring RM50 into the account. App seems quite smooth and will transfer more money into Ryt.
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Aug 18 2025, 08:24 PM
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#2
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Senior Member
2,542 posts Joined: Jan 2003
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QUOTE(TOS2 @ Aug 18 2025, 08:21 PM) Later cannot transfer out you jialat I just tried using Ryt AI to transfer RM10 into my HLB and immediately rewarded RM1.  Remember to check the Duitnow transfer and QR transfer limits etc. Always think about your exit strategy.   |
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Aug 20 2025, 03:36 AM
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#3
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Senior Member
2,542 posts Joined: Jan 2003
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QUOTE(Optizorb @ Aug 20 2025, 02:45 AM) Yesterday you put 60.84 in main pocket, didn't put any in savings pocket. Received 1 cent in main pocket, correct? It seems like Ryt is smart to use the residual balance method so customers cant use rounding up to earn the extra cents like Gxbank.and today you leave 60.84 in main pocket, while you put 60.84 in each savings pocket. Received 1 cent in each savings pocket but not 1 cent in main pocket, correct? Then this sort of confirms my suspicions that magic numbers might not work at all.. Cause they go by residual balance.. So if Day 1 (60.84 x 3% /365 = 0.005 = 0.01 interest) gets rounded up.. Your balance now becomes -0.005 actually.. Then Day 2 (60.85 x 3% /365 = 0.005 + (-0.005)= 0.00 interest) it doesn't get rounded up and no interest earned on day 2. And on Day 3 it will follow Day 1 again and the process starts all over.. What I'm surprised by this is that Ryt choose to "upfront" you the first round up.. anyway will need to wait confirmation from those that put 182.50 in day 1 and received 2 cents, whether their day 2 still receive 2 cents or become 1 cent dy due to the residual balance thing.. Therefore it is pointless to create so many pockets. We just need one pocket and dump rm20k inside to earn the max of 4%. TOS2 liked this post
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Aug 20 2025, 12:55 PM
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#4
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Senior Member
2,542 posts Joined: Jan 2003
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QUOTE(ronnie @ Aug 20 2025, 12:48 PM) YTL are run by "smart" people ...AI powered tooo I already close all pockets since last night. Now only left Ryt pocket with 20k. And it looks clean now without so many pockets. time to close all the Pockets |
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Aug 22 2025, 01:18 PM
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#5
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Senior Member
2,542 posts Joined: Jan 2003
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QUOTE(!@#$%^ @ Aug 22 2025, 01:11 PM) dun see any benefit of using the card locally or online yet though. True. Anyway i just create the virtual card and freeze it for the time being. |
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Dec 1 2025, 01:00 AM
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#6
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Senior Member
2,542 posts Joined: Jan 2003
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Already made jompay tnb rm10 payment and got the 3rd stamp. Still need another 2 days 2 stamps to get the 4% interest
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Dec 1 2025, 01:20 AM
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#7
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Senior Member
2,542 posts Joined: Jan 2003
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QUOTE(Optizorb @ Dec 1 2025, 01:17 AM) One day can collect 1 stamp only ke? 
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Yesterday, 01:00 AM
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#8
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Senior Member
2,542 posts Joined: Jan 2003
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Think i can collect 4 days stamps now, and the last stamp on day 29.
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