mbb debit card no have conversion fees? 0.5%?

Transaction date: 23-9-11
Posting date: 25-9-11
Currency transacted: Euro (EUR)

OCBC Titanium MC: EUR1 = RM4.3253
Maybankard 2 Platinum Visa: EUR1 = RM4.3212

Maybank Visa rate is only 0.09% lower than OCBC MC rate.

Transaction date: 18-9-11
Posting date: 19-9-11
Currency transaction in: Hong Kong dollars

Maybankard 2 Platinum AMEX: HK$1 = RM40.87

I did the transaction on Sunday thus I got 5% rebate -> HK$1 = RM38.82

It would be better if you could compare 2 cards. One card doesn't tell anything.

The diff between MBB cards and other cards varies.

In my article Overseas Transaction What Credit Card Is The Best? Part II, there was once MBB Visa and DA WMC rate almost same but on another day the diff was close to 1%. See spoiler below

You meant HK$100

Yes HK$100

Wawasan sentosa no longer update their website.. hmmm last update on 29 Sep 2011

Using OCBC TITANIUM Mastercard
- transaction date : 08/10/2011
- amount charged in foreign currency : EUR703.00
- amount posted on 08/10/2011 : RM3,039.27
- final exchange rate : RM4.3233

https://www.mastercard.com/global/currencyc...sion/index.html
Settlement date 07/10/2011 = RM4.2385
Settlement date 10/10/2011 = RM4.2440

Wawasan Sentosa Selling at 08/10/2011 = na
Wawasan Sentosa Selling at 08/10/2011 = na

BNM Seling on 07/10/2011 = RM4.2443


Based on the Mastercard 07/10/2011 settlement rate, OCBC service charge is about 2%.

If travel better use cash cos can change at lower rate compare to bank exchange rate wif your credit card

Not so advisable to carry a huge amount of cash with you in a foreign country

My experience with Maybankard2 MasterCard

Transaction date : 27/10/11
Posted date : 29/10/11 (always 3 days later)
Amount charged in foreign currency : £69.00
Amount billed in MYR : RM345.42
Exchange rate posted in MasterCard Currency Conversion Tool: 0.20175
Service Fee: 0.99%

I've done more than 50 transactions between £ and RM, and I found that 0.99% is always true.

I swiped HKD 960 with MBB Visa but I chose to settle in MYR at MYR 400.22. The conversion rate is 0.4169 (2.3987) on the receipt.

Which method will be better (lower fee involved)? To swipe in HKD? Or to settle in MYR?

Thank you.

IMHO, It's better to swipe in HKD to achieve better forex rates

Transaction date : 26/10/11
Posted date : 28/10/11
Amount charged in foreign currency : TWD5000
Amount billed in MYR : RM528.84
Rate = 0.105768


Currencies fluctuate every day. The rate shown is effective for transactions submitted to Visa on October 28, 2011, with a bank foreign transaction fee of 1%.
1 New Taiwan Dollar = 0.105506 Malaysian Ringgit


Currencies fluctuate every day. The rate shown is effective for transactions submitted to Visa on October 26, 2011, with a bank foreign transaction fee of 1%.
1 New Taiwan Dollar = 0.105025 Malaysian Ringgit

Barring intra-day movements, Maybank may charging abt 1% now

Definitely HKD.

Any reason why? Sorry I'm new in foreign currency transaction.

Because it's higher conversion from an overseas merchant bank compared to Malaysian bank.
Tried and you shall see.

Tried this myself a few times in Hong Kong, Taipei and Beijing. The final rate converted by our card issuer bank is always lower than the one quoted by the bank providing the credit card processing terminal.

OT: Just found today that Wawasan Sentosa no licensed to be Money Changer any more...thus no more forex update on their website.