no, plenty of us done tat, me included.
come on la, be diligent and know/learn what will come under AMLA offense.
if you reload under ur own name CC and withdraw, what is the offense?
moreover, how to red flag?
are we thinking 3-5k transaction/withdrawal per time will be red flag?
dont spread rumors or nay-saying here, come with fact when wanna warning ppl or rise concern like this.
There are laws in this country, and we have one of the best central bank in the world. if doubt, go read Bafia and Amla.
dont be an ignorance and create panic only.

My Maybank transfer using its own app doesn't need OTP

I saw the fees charges, after they change from MasterCard to Visa, i read there conversion fees up to 1% , i think the rate might not competative with those no mark up fees card

that one should be the charges from the bank itself, not relevant to Wise/Bigpay.