So I got Apple Pay now.

The method I used is using the "Monese" app.

1. Register an account on Tiptrans to get a UK address
2. Register Monese using the UK address.
3. Use Your Malaysian passport (that's what i use) for ID verification
4. Do the video verification (Say 3 numbers and look to the right) (Its just a recording, not a live chat with an agent)
5. Once you are in. Opt in for the Virtual Card
6. They want to do a Location GPS verification. Use "iSpoofer" to spoof your location to the UK address
7. After that you're all set. You can top up using Malaysian Debit Card given it supports 3D secure (I used maybank)

I topped up 10 Euros and they deducted me RM49.07 (Maybank Exchange rate was at 1EUR=RM4.85) (loss 57sen okay la hahahaha)

Haven't tried using it to pay stuff yet but hey, got that card on my Watch haha
Edit Just tried it today at McD, it works and no loss in conversion 

Use promo code ABDU508 if you're trying

Anyone needing help can DM me

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