You can try for yourself to compare but don't click confirm transfer. Just key in the value you want to transfer in the field. CIMB has higher exchange rate, while Transferwise has a fixed fee on top of exchange rate.

You open sg bank acocunt is not for their FD. If you are using it for FD, better don't open account there cause you don't know how to make use of sg bank account. I don't know about you.

I opened my account for
1. Invest into sg reits. They offer 3-8%p.a dividend yield.
2. Use it to invest into US market since overseas broker accept SGD deposit and not RM.

And in case you are wondering, my SGD is minimum giving me 6%p.a

And no. I don't bring my money back. No intention.

My $$ in my SG bank account is 20% , the other 80% are in SGX ( reits, banks) and UT from the bank.

Will not be bringing any $$ back, as it is part of my diversification from my Msian portfolio  and maybe $$ for my child education in SG next time (provided he qualify to be accepted    )

Hi, I wanted to open CIMB SG account for IBKR usage, for the initial S$1000 deposit, i wonder is it still workable to transfer like S$50 from Malaysia Bank account to CIMB SG while remaining using S$950 from Wise? just to save a little from using the Fx rate.

Just top-up when you want to spend it. If you are always overseas may want to consider miles game. Sacrifice the Forex rate for free air ticket back to Malaysia which can be worth like 10% cashback.

I don't have youtrip although I am waiting for them to set up shop in Malaysia which they said they are doing, but looks like taking some time.

I suggest use bigpay, youtrip, wise, revolut and see which card give you the best rate and then use that card. Another alternative is play the miles game.