I'm just done with my trip to Europe. Specificially Swiss, Italy, Austria, Prague and Germany. Used BP there without much of a hitch. Cards are widely accepted and transportation tickets can be purchased via app using card.

One lesson in Prague. If see Euronet atm, stay far far away. Even though i used the bank exchange rate instead of DCC i still got hit with a 99 czk withdrawal fee (about rm18). Didnt realize this until too late and was in a rush. I withdraw from Deutsche Bank atm in Swiss and there was no charge. Be careful with Euronet atm as the default option for amount withdrawal is ridiculously large... 20000 czk anyone? Thats like rm3500 in one go.

Also, if paying at shop using card, ask the cashier to insert card and use chip & pin. They like to tap and wave, but if amt is larger than rm250, transaction will auto decline. Got one cashier used the paywave 3 times until my card kena barred. Had to contact CS to unbar. I kept telling him to slot in but he wouldnt listen. Typical italian fler...

always choose CHF if they come out the option to pay in both currency. MYR rate uses DCC which negates the point of using bigpay as the processor would've added in fees for the exchange. rate is very close to XE rate, with some minor adjustments after the transaction clears. Either higher or lower. Percentage wise not much diff. Definitely better than using bank credit card for overseas transaction.

Treat BP like a normal credit card. you can use the card to pay for tickets etc and it'll charge accordingly. Just make sure have credit inside.

Withdrawal is same. Always remember to choose the original currency amount (CHF in this case). Some ATM like Euronet is a big ripoff as they'll steer u towards settling the withdrawal in MYR. Charges for Deustch bank is RM 10 on withdrawal fees. Remember to key in the right pin. Exchange rate very close to XE rate.

No problems with BP throughout my 1 month trip there.