Wan to Sell NZD , anyone interested please PM me , or wechat

Id : leonhanjcf

WTB!! By Early October 2018

I'm needed Vietnamese Dong and US Dollars,
COD in area KL City or Penang (aft mid-Aug)
Rates is MID of XE rates?

My Whatsapp 0137000965

anyone knows of any foreign currency debit card with multi-currency wallet available in malaysia for travelling use? Something like Youtrip https://www.you.co/en-SG/ cos i i'm looking to load some FC in the wallet and use during travels. Save on foreign transaction charge and also don't have to carry so much cash. Can also lock in the FC rates and buy in batches.

The only downside of Youtrip is the initial load in amount is SGD, means from MYR need to transfer to SGD first then only buy into individual foreign currency.

can malaysian apply? or only for singaporean or those stay in Singapore?

Try Bigpay. For the time being, their rate is same as XE.com rate.

Guys i have got some leftover AUD coins worth $120

Do pm if you guys are interested

I have 292k Yen
Wants AUD

PM me

Can I still exchange MYR-THB in Padang Besar Rail Station, have anyone tried it recently?

Hi. Can I do the same if i travel to US and load up my Bigpay with money and use it in the US?

You load your BP with RM.

Use your BP in USA and they will give you xe.com rate for conversion.

Thank you very much for the reply, touristking. Also, I have done some research about foreign exchanges, including some searches in this thread and also came across this :Loanstreet Article. There are also other websites which give similar advices.

It seems that it is better if I withdraw USD from US ATMS or with debit card than exchanging all my money here into USD (of course with some RM loaded into Bigpay card)?

Is It advisable if I only bring a few lower hundreds in USD for emergency and rely on my ATM/debit cards, Bigpay Card and credit cards for my daily usage in US later? (of course I will also need to check with my banks on their rates/fees on using the debit/credit cards). I have paid my accommodation so all that is left now is cash/money for my daily expenses and/or transactions.

I'm kinda noob in these things, so I do appreciate any advice and/or feedback. Thanks..

This post has been edited by timo1003: Aug 24 2018, 04:34 PM

Changing USD. Well, if you go change at the airport, you will get slaughtered. So depend where you change your money.

But of course it's always a good idea to have some minimal USD before departure and get the rest from USA's ATM. If you have lots of luggage and need a luggage cart in airport, those things are coin operated. So bring some coins, you may need it.

Never been to USA but I think they are the same as in Europe whereby some of the ATM aren't operated by bank so try to avoid those.

95% of my spending are with card, even buying a couple of mineral water. In fact, I would think if you take out large amount of cash from your pocket, they may think you are a drug dealer because those people deal in cash.

This post has been edited by touristking: Aug 24 2018, 05:07 PM

Ah. Thank you so much tourishtking! Seems like I don't really need to bring much USD cash with me right (not for the entire trip at least but sufficient for emergencies). And thank you as well for the suggestions about coins

Yes I'm aware of what you mean about the non-bank ATMs. Then I will be withdrawing most of my money in USD with the ATM/Debit card through Banks' ATMs, not those non-bank ATMs.

So, conclusion: minimal USD cash in hand, reloaded Bigpay in RM (for use in US), credit card as backup and withdraw the rest with ATM/debit card?

That is what I would do. I have no problem reloading my BP while in Malaysia. But i seems to have problem doing that while overseas. So you might want to reload a bit more while in Malaysia but then if you don't use them all, you money will be stuck in BP. Not a problem for me because I just spend them all in Malaysia.

BP charge RM 10 per ATM withdrawal. The rate is also xe.com rate.

One more general rule. When in USA and if any merchant give you a choice of charging in USD or RM always select the local ones and in this case, USD

So many great tips/reminders (for newbies like me) in one post. Thank you very much touristking!

I have used Big Pay in UK last week. From my experience it is good for buying things like McD & retail shops as it uses its own conversion rate (similar to online rate & better than money changer in malaysia) but it's not good to withdraw at ATMs as the ATMs follow the local bank's exchange rate on top of RM10 charge by BigPay. for example at the airport ATM it was like 1GBP=RM5.8. Luckily I can still cancel the transaction after seeing the rate . at malaysian ATM the charge is RM6. I have topped up money over there too thru maybank2u as long as u can receive tac sms so it's not a concern.

On a side note, Big Pay recently upgrades the card to contactless but i miss it. I received the card 1 week before the upgrade. So it says I can get contactless if I ask for replacement with RM20 charge or wait for the free transition which they are going to do in batches until year end.

Thank you very much for the sharing ajay! Ok I will keep that in mind. So it seems it's still: 1. ATM/Debit card 2. Bigpay 3. CC + some cash as backup.

i think its the other way round.. 1. cash 2. bigpay 3. CC/debit card as backup. cash is still king anywhere

Ah ya, my bad for the misunderstanding , I intend to use the Debit/ATM card to withdraw cash there, so yea, as per what you've written, Cash>Bigpay>CC/Debit as backup. Thanks ya!

Did you use bank's ATM or money changer's ATM? If you are using the later, then of course the money changer will make profit. Money changer's ATM looks like bank's, except for the name.

Most Malayisan bank's ATM Card for oversea withdrawal a charge also, unless you are one of the priority customer.




This post has been edited by touristking: Aug 27 2018, 05:34 PM