My first trip no bigpay yet. No such thing as bigoay. No choice. Use cash.
2nd trip bigpay existed so use bigoay to pay for all my smrt and bus ticket. Never use cash at all in sg.
Only expenses in sg is smrt and bus ticket. Nothing else.

Wholemeal bread with unpeeled hard-boil eggs and unpeeled but washed cucumber with hand sanitizer. All prepared before the trip. If the eggs are not cracked it will last one whole day+ So crack and peel eggs and munch on cucumber.
Bought water from home for trip to sg. On the way back, buy water from train station. Yes the 1.5L type. Normal for me. I go to work also bring the 1.5L water. No no big deal for me.

Savings by doing the above > TT fees and charges by extra 1-2% which make it worth it. Significant if you are doing a RM30k transfer.

Maybank Singapore has announced an upcoming online service that will soon enable Maybank Malaysia customers to open a Singapore dollar savings account with them, which allows for real-time cross-border fund transfers as well.

According to the head of virtual banking and payments for Maybank Singapore, Cynthia Liaw, the new service will cater to the needs of customers who plan to work in Singapore or send their children to the state republic for education.

“With Maybank RegionLink fund transfers, customers with children studying in Singapore can transfer funds instantly from Malaysia to Singapore for their living expenses. For those working in Singapore, they can also use this service to remit funds to their family and loved ones in Malaysia,” said Liaw. Briefly, RegionLink is a same-day online fund transfer service provided for Maybank Singapore customers who wish to transfer money from their accounts to a Maybank Malaysia account.