how do u convert? Top up in RM & withdraw overseas?

this is good info. the only concern i have is the app is quite low in rating (3.5) with many complaints. what's yr experience with it?

ok thx! i hv registered & waiting for the document confirmation.

Yeah noted... logically we should always pay with local currency.

just wanna update that i just received my bigpay debit mastercard. will try to use it on my upcoming oversea trip

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.

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

i cant tell the difference

Good info this. Will check next time. So basically u r saying wdraw cash from BP at a bank's ATM is much better exchange rate than at money changer's ATM right? The reason i wanted to wdraw cash at airport at the time was to pay back my son since he used his own debit card to pay for hotels etc. So i decided to pay thru TT from msia instead.

from my experience, sometime they ask, sometime don't ask. even at the same kiosk. maybe at random?

cold currency, cold country

this is merchantrade visa debit card? Is it good, better that big pay?

how about rate & fees

This post has been edited by ajay67: Apr 3 2019, 12:35 PM

are you an agent?

so u are a user right?
i just received my card. to load foreign money, we still need to go to branch & cannot thru app?

you are not a user but you know what to do? have you tried the app?
i use the app but when i select multi currency, the app ask to visit the branch.

never mind.. i got the answer already thru fon call. i still need to go to the branch to activate the multi currency function since i registered the card online. then only i can buy foreign money thru app.

This post has been edited by ajay67: Apr 16 2019, 02:17 PM

Use multi currency wallet.. 0% transaction fee. Means u buy foreign currency first before purchase using the card.

I mean, before u go to australia, buy & top up the card with AUD. Then when in australia, u purchase using the card in AUD. So no 1% charge, right?

i think it would help & very convenient.

I am guessing, when you only have RM credit in your wallet, then when buy things in AUD, it needs to be converted & this got 1% of transaction amount. But if you already have AUD credit in your wallet, & u buy things in AUD, then u wont be charged. This is my guess only, which need to be verified.