Best is CIMB SG to CIMB Malaysia account direct what you see is what you get no extra charge but provided you need both. This rate usually highest also.

Used to use DBS few years ago starting the rate not bad, zero fees but last time must transfer during working hour otherwise the rate will jump. After that I move to Wise I think I sent only one time then never use already. Then change to eRemit (formerly M1Remit) till now for almost 3-4 years already.

For DBS and Wise I have no idea how good is their service and conversion rate now but if not wrong eRemit beats both of them on the rate la. You can check and compare. CIMB usually beats all of them but I don't want to maintain 2 additional bank accounts hence never open it just to transfer money.

If you want to try eRemit let me know haha

This post has been edited by IwanAGP: Apr 20 2023, 09:16 PM

Haha not sure never check wise for quite long already. Use whichever you like haha

Maybank savings got any advantage?

For myself I have OCBC as my main savings then POSB for day to day use. Salary goes into OCBC to get bonus interest transfer out balance to POSB with ATM just downstairs like 30m away from the elevator from my block.

Just checked 3% need to fulfill a lot of criteria. Base interest still 0.25%.

https://www.maybank2u.com.sg/en/personal/sa...-programme.page

I have been using OCBC360 for many years. Still finding it the easiest for bonus interest. But if you're looking for the highest base interest I think CIMB better with 1.5-3.5% just keeping money there without fulfilling any criteria. You can look around and decide on.

If you continue to work beyond the required can't remember 181 or 182 days, you will be considered as Tax Resident if I'm right. It's only if you stopped working altogether then don't know how IRAS will trace that and come after you for Tax. If you change job before end of that period, your company may withhold some part of it to sort out on the tax part if not wrong.

I started work many years ago on 1st September, taking only 4 months salary and some tiny bonus for that year I actually went under the lowest tax bracket of $20k. Didn't even see any assessment for that Financial Year haha


Actually you can find the answer here:-
https://www.iras.gov.sg/taxes/individual-in...y-tax-residency

Foreigner who has worked in Singapore for a continuous period straddling 2 calendar years and your total period of stay* is at least 183 days. This applies to foreign employees who entered Singapore but excludes directors of a company, public entertainers or professionals.

* including your physical presence immediately before and after your employment.

Foreigners issued with a work pass that is valid for at least 1 year will also be treated as a tax resident. However, your tax residency status will be reviewed at the point of tax clearance when you cease your employment based on the tax residency rules. If your stay in Singapore is less than 183 days, you will be regarded as a non-resident.


Extra to read in case you change job while holding work pass:
https://www.iras.gov.sg/taxes/individual-in...tizen-employees

This post has been edited by IwanAGP: Apr 24 2023, 11:29 PM

If I started work in Singapore and never had LHDN account before should I do anything even? Never worked in Malaysia except for 3 months of internship RM500 per month like 10+ years ago

This post has been edited by IwanAGP: May 2 2023, 11:37 PM

Aiya don't worry it's just the usual HIV and TB check if not wrong. I think is compulsory for all. I can't be sure. My PR more than 5 years already. When I apply, it's still full hardcopy submission just 1 or 2 years before they move to online submission.

Some of them post just for posting coz SG gov got this rule requiring them to post for a position for how long before they can employ a foreigner kind of thing. But it says posting it on CareersFuture not so sure.

https://www.mom.gov.sg/employment-practices...ation-framework

Other than that, maybe just the market not good enough for hiring? Maybe they need 1 candidate but 1000 applied? I do hear from friends citing harder to get job in recent months.

No need to rush, just get here first then only open account. Without your EP it's harder. I suggest you to just use cash for the first month then prepare for the account afterwards. Company can either pass you cheque or just debit to you once your account is ready.

During my time I've done the same, also my bro who just came over like late last year. But I passed him my secondary account card for him to draw money to use for the first 2 months until he finally got his account done haha.

You can get from some convenience store also (7-11/Cheers, note that not all have it in stock).

When I get it for my bro end last year, it was from Cheers I think but that was in the town already since I picked him up from Woodlands train checkpoint. May or may not find it in 7-11/Cheers at airport. That plan was like $10 or $15 with some credit and data included. Registration done online with Malaysia passport.

By the way, if you can, try find a number that you will keep haha then no need to switch number can just port to postpaid then switch carrier.

I'm still using the same number I bought from Changi Airport till date hahahaha.

This post has been edited by IwanAGP: Jul 15 2023, 10:22 PM

Malaysian always special one no? I never meet also 9 years ago also can get haha

Usually is apply first la. You never agree the salary package with them? Like very fishy later get E Pass give you 5k get S Pass give you 3k how?

For Malaysian if got Degree and like 3-3.5k also can get EP one for fresh grad.

I think the minimum is you should get your pay package confirmed. Whether SP or EP same pay then only you can sign the Offer Letter. Usually in Offer Letter it should state the pay and then there will be a clause stating that the offer letter is valid only if company manage to apply SP/EP for you. Company will try to apply EP first if cannot get only they apply SP. That's linked to the levy and man year quota thing.

Anyway let others advise you ya I'm over 5 years on PR already not sure how is it now haha

This post has been edited by IwanAGP: Aug 5 2023, 12:52 PM

Uni never give the tube case?? Mine came with it so I still have it in the case. Anyway can't verify for you got my PR for quite some year already.

Can check if your Malaysia telco supports VoWiFi. I'm on DiGi and it supports VoWiFi. Can make call through WiFi in Singapore. Make sure it's on VoWiFi though.

It's called WiFi Calling in Samsung, not sure what phone you using also you can check accordingly. Samsung can set prefer to call over mobile or WiFi.

This post has been edited by IwanAGP: Apr 12 2024, 08:31 PM

https://support.apple.com/en-sg/108066

iPhone does support WiFi-Calling but Maxis does not support VoWiFi abroad.

https://www.maxis.com.my/en/faq/network/mobile/vowifi/

Data roaming is for DATA.

You just enable the sim card without turning on data roaming SMS will just come through directly.

No. Usually just a few seconds

Roaming is not Data Roaming. Roaming, Pay As You Use, is free for receiving SMS. Only when you send sms/call then yes you need to pay.

If you turn on DATA ROAMING, all apps in your phone will use that data and that's why you got deducted that much. If you still don't understand need other sifu explain liao.

Also btw, I have been on DiGi Prepaid for the last 10 years here in SG. Never did I sign up any plan/roaming, just enable the SIM CARD in phone, let it connect to the local network WITHOUT DATA, SMS will just come right through.

This post has been edited by IwanAGP: Jul 16 2024, 08:43 PM

Check your voicemail? Make sure it's disabled. Other than that, make sure you turn off if not in use? I keep my line off 99% of time only on when I'm expecting sms/call.

https://soyacincau.com/2022/09/26/avoid-exp...cemail-service/

This post has been edited by IwanAGP: Jul 21 2024, 11:05 PM

https://www.mom.gov.sg/faq/employment-pass/...-monthly-salary