I'm using eToro and have made deposits using 2 methods, Local Online Banking and Credit/Debit Card.

I find that the Local Online Banking option has better exchange rates (USDMYR), around 1% to 1.5% cheaper, compared to the Credit/Debit Card.

Choosing this option will redirect you to the https://directpay.racethewind.net page.

You are then required to provide your bank's username/password. There are instances that you'll need to give your answers to your security questions as well.

You'll then receive an SMS to enter your OTP. Whole process takes around 1 to 2 minutes.

You may find this unsettling because of the obvious security issues. First thing banks tell you not to provide -> username, password, security answers/questions.

Also, the receiver name won't be "eToro" on your transaction receipts. Go figure.

There is also a chance that your deposit will not be immediately reflected on your eToro account.
Good thing customer service is responsive and have resolved every issue I had, just as long as you present the transaction receipts.

Credit/Debit Card is definitely more convenient and funds are reflected immediately, without compromising any of your online banking information.
You just need to enter your card details, similar to paying in Shopee/Lazada.

And this time, "eToro" will be reflected in your transactions.

My workaround for the Local Online Banking, is to change my bank's password, immediately, each and every time after making a transaction, successful or not.
And when they do ask for the security answers/questions, I also change it after.

I find comfort that passwords, security answers/questions, and mobile numbers (not visible) can't be changed without the OTP.
Also, I'm not using my "main" bank account for this.