nvm if can ship to my friend will ask him help me ship back

i added to apple wallet (now switch back my region)
i notice they refund the SGD10 (for cannot ship to my) into my card
now my wise card seems have SGD10, is that mean i can use to pay?

[attachmentid=10914332][attachmentid=10914333][attachmentid=10914335]

btw, is the double-click side button only can pay?? any other alternative without double-click side button

go 99speedmart or 7-11 and tap lo then we know d 
I'm on a touch ID iPhone. For me, it's the home button. I guess it's double-click on the side button for Face ID iPhones.
Apple's Website

How's the exchange rate all these while's usage? Is it justifiable?

PoisonSoul if can use in normal credit card terminal, you can write a thorough guide applying Wise card
seems easier way... to use Apple Pay in Malaysia

Tbh, I can't remember the steps how I apply it because I did it in 2 separate times. Let me list it down.

1) Open an account and directly set SG as your default country. You can use the app or the website. Doesn't matter.
This is where I stopped last time. So I COULD be wrong that I set up as SG last time. You can change it in your account anytime later anyways.

2) After opening the account, apply for the Wise card via Account tab. If you have verified yourself before, your account is locked to that country already. So go open another account.
*If you do not see any card in the Account tab, tap on your picture -> Edit your details -> Change to SG. Address just put Malaysian address. Only the country set to SG.*

3) It will ask you to verify yourself with gov documents. I just yolo and sent them picture of me and my IC. Yeap, you read that right, I opened an SG account and verified myself with my Malaysian IC.
4) After approval, you will need to pay 10 SGD for the card and delivery. I just pay lo. 10SGD is cheaper than getting the N26 all the way from EU via TipTrans. 
5) Once you pay for it, you can add the card into Apple Pay already. Don't need wait for physical card.

Do note that the payment of 10SGD could be BEFORE the verification. I can't remember as I was just rushing through it.

So yeah, I'm currently waiting for the card to arrive. Applied on the 16 June if you are wondering. App promised 18 June to arrive (probably the app think's it's an SG address) but I haven't get mine till date.

Here? But I was lost on step 1 and 2 as per I said. Maybe I did put a fake SG address at that time.

i didnt put SG address at first directly is MY address, verify success
just after the CS said cannot deliver to MY, they refund me, i pay again put shipping address SG
my account address still MY for now only card delivery to SG
can use

Nice to see it works! 😊 At least there’s now a cheaper alternative to use AP here!

let us know when your card reach
mine will need my friend at SG ship back once reach him need another SGD3-5 to postal back MY 

Let's see who get their's faster.   
*no cheating. use normal postal service

DHL Express/Fedex not cheap from SG, at least SGD15+++
i will just use slow mail, 1-2 weeks after reach friend house at SG

this transferwise is it we can buy and keep other currency besides MYR/SGD
if we keep GBP, when traveling to UK, GBP have value, it will draw from GBP money?

let say i have MYR SGD and GBP currencies inside, if I spend in Singapore, it will draw from SGD money?

TransferWise’s MCC codes.

I confirmed with MYB and PBB that these 2 are under Cash Advances. ☹️

What is that mean bro?

It means that if you use either bank's credit card to charge TransferWise/Wise, banks will label it as Cash Advance which will incur a 5% interest on your balance every day.

Day 1: RM100 charge by TransferWise, bank add 5%. Total you owe the bank today RM105.
Day 2: RM105 x 105% = RM110.25
Day 3: RM110.25 x 105% = RM115.76
Day 4: RM115.76 x 105% = RM121.55

It means that if you use either bank's credit card to charge TransferWise/Wise, banks will label it as Cash Advance which will incur a 5% interest on your balance every day.

Day 1: RM100 charge by TransferWise, bank add 5%. Total you owe the bank today RM105.
Day 2: RM105 x 105% = RM110.25
Day 3: RM110.25 x 105% = RM115.76
Day 4: RM115.76 x 105% = RM121.55

5% on the total amount withdrawn or minimum of RM18.00 per transaction,
Whichever is higher.
                      - MAYBANK

😱😱😱.
Can just topup using BigPay right?

Not lah ... Cash advance fee is a one-time fee, it's not daily interest.

It means that if you use either bank's credit card to charge TransferWise/Wise, banks will label it as Cash Advance which will incur a 5% interest on your balance every day.

Day 1: RM100 charge by TransferWise, bank add 5%. Total you owe the bank today RM105.
Day 2: RM105 x 105% = RM110.25
Day 3: RM110.25 x 105% = RM115.76
Day 4: RM115.76 x 105% = RM121.55

😱😱😱.
Can just topup using BigPay right?