I would suggest N26. Been using for a few months and been working great

Thanks for the reply. I've also briefly glanced through N26 but never found a way to register with them. How did you register with N26?

Also tried exploring options such as Revolut (looks quite robust) and Transferwise but both require proof I reside in the UK/EEA.

Hi, for N26, you can refer some other msgs from me.

For curve, I have tried it, but you need to get the card shipped to Malaysia using a forwarding service like N26 too. I managed to sign up for it but didnt want to waste another rm50 to get the card shipped to malaysia. The N26 card is enough for me hahahhahha.

Curve also requires you to have a legit card from europe, so i suggest Getting the N26 card first, then use that card to get Curve card and then you can add your maybank/cimb card. Essentially having Apple Pay using Malaysian bank card. But you have to spend money to get those cards forwarded to Malaysia

hi, those card that u guy talking about is it kept in MYR? or foreign currency?

Manage to register N26 today and just completed the verification process. Waiting the card to foward here.

First time topup using Debit card ( HSBC Everyday Global Acc, transfer MYR to Euro first. Rate is Rm 99.77 = 20 Euro. No other fees )

Hi, sorry was busy with online classes hahhaha

Here's a step by step instruction to apply N26

Applying for N26 Account

1. Set up a "Tiptrans" account, is a forwarding service to get your physical card
2. Get your "german address" from tiptrans
3. Download N26
4. Apply N26 account but setup your country as Germany but your nationality as Malaysian
5. There will be a step where you have to video call them for them to verify your identity
6. Have your Malaysian passport ready, they will want to see EVERYTHING on it to verify your identity
7. Properly Set up your address and Name proparly (as Below)(But with your info and tiptrans address details)

Name : Your name and Lastname

Address : Tiptrans, "Your name and Lastname", Set #xxxxxx
Hauptstrasse 20
Zip : 02727
City : Neugerdorf, Sachsen
Country : Germany

8. Having your correct name is important for future Bank transfer as Banks wants the name to match 1-to-1 for personal transfer if needed
9. Having your Address setup correctly the first time to receive your card on time
10. After you have been verified, topup your account (min 20Euro) but I suggest more as this is the only time you can topup without any fees
11. After successfully toping up, you have access to your N26 Virtual card
12. Change you iPhone Region to Singapore, and now you can add your N26 Virtual Card to Apple Pay
13. After adding your card, you can change back to Malaysia (Not needed btw)
14. Your Virtual card is valid for only 30 days, so getting your physical card forwarded on time is important

Forwarding the physical card


"Assuming you have entered the correct address details"
1. Your card should arrive at TipTrans Germany around 7 days
2. They will charge you 10Usd for receiving your card
3. Now you have to set up foe them to send that card to you in Malaysia
4. Choose "Czech Post" as that is the cheapest option
5. Pay them up, Total cost would be around RM70-100 for everything
6. Wait around 10-20 days
7. After getting your card in the mail, Just an envelope, Activate the card in the app
8. You have to use that card at an ATM before that card is fully activated
9. Withdraw some money from ATM using that card, then that card will be fully activated and usable to use at any terminal in Malaysia
10. Note : Yes, that card only use 4 pin number, not 6 pin number like Malaysian Debit card

How to topup N26 Card
1. You can topup directly using your debit/credit card in the app but there is a 3% fee and a minimun of 20Euro topup
2. Some cards will give you error when toping up, so I Suggest using TransferWise
3. For TransferWise, use the "Bank Transfer" option in the N26 app, they will list out all the info needed
4. Sign Up for TransferWise, verify your identity (This one be truthful, no need to lie hahhaha) Will take few days
5. Enter all the info for bank transfer from N26 app
6. First transfer will take a few days as they want to verify your identity, but after the first one, the transfers is instant
If this tutorial is Useful/Successful for you(or anyone else reading this), please use my referral code Thank you

N26 account : naa0544
TransferWise : abdullaha1124

2. I see, but it would defeat the purpose if I still have to show the card after using my phone/watch to pay, right? :/