If you have cash, the rate of your cash is usually better than Big Pay. However if you plan to swipe CC instead, most of the time Big Pay's rate is better than bank's CC. You'll just need to top up cash into your BigPay card like Debit Card.
Something like that, but it follows the MasterCard rate of when BigPay settles payment with merchant, not when you swipe it. For example, you purchase item A today with BP card. What you get is an estimated charges. If BigPay settles the payment with the merchant next day, the actual amount is charged tomorrow based on the next day's exchange rate.

Rates very high recently. 38.56 today. It was low at 37.2 a month ago. 

I'd say it's the weakening of Malaysian currency recently. Not just Japanese yen, it's also high for the other rates. If your trip isn't due yet, wait it out optionally buy a bit and keep to average out (any) potential losses.

Stupid of me to hesitate when it was 37.2. I guess the RM is always meant to be like that.

Yen rates very high recently. 38.56 today. It was low at 37.2 a month ago. 

I'd say it's the weakening of Malaysian currency recently. Not just Japanese yen, it's also high for the other rates. If your trip isn't due yet, wait it out optionally buy a bit and keep to average out (any) potential losses.

the rate today is still not as high as 3 years ago when i go to tokyo, that time is 39.XX
change like 7k back when it was 37.XX
and i've just changed 3k last saturday(4 days ago) @ 38.39

my advice would be to change before october
from october, yen won't drop anymore
it's not MYR's problem
yen went up due to the trade war, it's only recently dropped abit
korean won on the other hand has been dropping....now the rate is 3.5X
which i'm planning to change soon for my feb trip

hahaha I see, will only be using IC card...since many sifu said all IC card can use along then yeah i will use pasmo while im in osaka next week! all IC card can be use for all train line right? except those limited express that need purchase additional ticket right?

the rate today is still not as high as 3 years ago when i go to tokyo, that time is 39.XX
change like 7k back when it was 37.XX
and i've just changed 3k last saturday(4 days ago) @ 38.39

my advice would be to change before october
from october, yen won't drop anymore
it's not MYR's problem
yen went up due to the trade war, it's only recently dropped abit
korean won on the other hand has been dropping....now the rate is 3.5X
which i'm planning to change soon for my feb trip

Sad to say few other countries' rate is higher than usual a including Baht, Dong (as complained by a colleague) etc. Our currency isn't strong at the moment as well.

True on the yen, so better change within the next 1-2 months when rate is decent. Same like Fyonne, I've experienced 39+ and 40 before too

as I checked and some other readers here stated that all IC card can be use across the whole Japan? I know Osaka use ICOCA, so if anyone can clarify again to me. of course I don't mind to purchase a card at airport upon arrival. I'm planning to take the normal nankai rapid train to depart from airport.

IC card has been nationalized
the only thing what IC u use is your origin
when u use PASMO or suica, they would know u came from tokyo
same as kitaca for hokkaido

https://insideosaka.com/prepaid-cards-icoca-suica-and-pasmo/

I'd say it's the weakening of Malaysian currency recently. Not just Japanese yen, it's also high for the other rates. If your trip isn't due yet, wait it out optionally buy a bit and keep to average out (any) potential losses.

Really? So PASMO can be utilized in Kansai region as well? Previously you'll need to use the local region's assigned card this is good, then it's convenient and all you need is just 1 card.

hahaha I see, will only be using IC card...since many sifu said all IC card can use along then yeah i will use pasmo while im in osaka next week! all IC card can be use for all train line right? except those limited express that need purchase additional ticket right?

Not sure what "limited express" you're referring to? In any time you're not sure if the IC card can be used, just ask the Station Master. Inform the staff where you're going and ask if you can use the IC card.
Sad to say few other countries' rate is higher than usual a including Baht, Dong (as complained by a colleague) etc. Our currency isn't strong at the moment as well.

I think i know what he means. Limited express or rapid service train you can use IC card as well as long as it is not reserved seat. Only those reserve seat train need to purchase additional ticket. Some train got front few cars is open seating mean anyone can go in then the back section cars is reserved seat only mean need additional ticket for it. You can see this info on the timetable screen i think. If u not sure then everytime u get into the ticket gate u can ask the officer at the gate there that where you want to go. They will tell u which platform. No need to ask so proper english 1. Just simple like "sumimasen namba eki?" (eki means station) They sure know d. Be aware of the osaka JR platform, there got 2 queue lines on the floor. 1 queue line for local line & 1 queue line for rapid train line. Check the timetable screen which train come 1st. Jgn jgn train come je masuk only. Later masuk local line then 30mins train ride to kyoto become 1h+.

Limited Express train cannot used IC card to purchases. It must be done at Ticket office. You can get reserve or non reserve.

Limited Express train are state to state crossing train. Example: Osaka to Kanazawa Limited Express Train "Thunderbird" . Kansai Airport to Osaka to Kyoto Limited Express "Haruka"

Probably Yen is getting stronger as the AUD is also getting weaker against it for the past few months 

based on what regendCID told in many thread ago
it's been nationalize long ago, he even has a collection of every IC card of every region

1 IC card can be used nationwide now
but it does reveal where u come from

Japan Train Category:

普通 Local : Train Stop Every Station
Able to used IC card such as ICOCA / Pasmo / Suica
Example: Our KTM Train From Batu Cave to Seremban

快速 Rapid : Train will skip some station.  (Ticket price no difference from Local)
Able to used IC card such as ICOCA / Pasmo / Suica
Example: Our KTM Train From Batu Cave to Seremban but skip some station such as Batu Kentonmen, Seputeh, Tiroi

急行 Express : Train only stop at Major Station (Ticket price no difference from Local & Rapid)
Able to used IC card such as ICOCA / Pasmo / Suica
Example: Our KTM Train From Batu Cave to Seremban but only stop at Sentul, Kuala Lumpur , KL Sentral , Salak Selatan, Kajang, Nilai, Seremban

特急 Limited Express : This will be our KTM ETS Train.
Cannot used IC card. Ticket only can purchase at ticket office with reserve seat fare or non reserve seat fare.
Example: KL to Butterworth and stop at Tanjung Malim, Ipoh, Bukit Metajam only.

sweet_pez
Can tag to page 1 if you want 

AUD >> Yen is still better than MYR >> Yen
Dang must have missed them much. Good to have the clarification now.
Done, thanks!

Page 1 is hitting the max capacity in terms of post length. Next version will need to reserve the 2nd post

Maybe you can you add 1 more post just below your 1st post for this? Long way more before we hit V13.