What did you ask Ryt AI to transfer? Just say, transfer RM10 to GX Bank, account number 1234000029?

RM 0.01 interest earned in main account with RM 60.84.

So it works just like GXBank & Boost Bank.

Saving pockets didn't try yet, wait for fellow mates here report results.

So is it 60.84 or 182.50?

I managed mine in a matter of minutes…Prolly I am the lucky one. Acct activated almost immediately

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.

Therefore it is pointless to create so many pockets. We just need one pocket and dump rm20k inside to earn the max of 4%.

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..

From my side:

Place 18/8/2025
1 x Save Pocket RM182.50
Interest received = RM0.03
Rate of Return = 6%

Place 19/8/2025
Still the same 1 x Save Pocket RM182.50
Total Interest received = RM0.01
Rate of Return = 2%

The funny thing is the average is 4% haha

Let me pretend to be a dumbass and complain to their customer service. Let's see what they say. You guys should do the same. Complain about the erratic interest payments. If they truncate or round up, then we can keep gaming their system hehe

why wanna close? too smart?

ok to put like this?

• Main account RM0.00
  
• Ryt Pocket RM20,000.00
  

wow exactly like what I said then, that Ryt upfronts you the first round up on Day 1.. Other ewallets or banks usually on Day 2 only we will get the 1 cent.

anyway for those who had pockets already dont so fast close first. Yesterday is the 2nd day and didn't receive the round up right.. Means today is the 3rd day and will be receiving the round up again.. So leave it for today, close it or transfer all to 1 pocket tomorrow onward.

For those of you who yesterday is Day 1, then today can close/transfer all into 1 pocket.

Lol just as i suspected... There would be a glaring flaw in the way Ryt deals with the daily interest..

#1 Because they use a residual balance system, and calculate each savings pocket separately. Theoretically each savings pocket has/follows its own ledger
#2 They upfront you the first round up

Results:
#3 If you were to create 9 pockets named 1-9 on Day 1 with 60.84 deposit and received 1 cent in each pocket for a total of 9 cents..
Then on Day 2, close Pocket 1-9..Create another 9 pockets named 1A-9A on Day 2 with 60.84 deposit.. You will again receive 1 cent in each pocket, totaling 9 cents.

Keep creating and closing pockets and Ryt's residual balance system will be completely moot as it never catches up to you.
And this is just going to make their database/spreadsheets/tracking one huge giant mess.

Whether it's worth doing or not depends on whether you really really want that 4.5 cents gain.
60.84 * 9 = 547.56
Dumping it all into 1 pocket: 547.56 * 3% /365 = 0.045
Creating/Closing pockets daily to get the rounding: 547.56 * 6% /365 = 0.09