i register at the counter yesterday, got the card and MCW activated
asked their CS
it seems, u just change the currency u want in their app
then go to that country to swipe the card and it will deduct the amount of "foreign currency" that you've preloaded inside the MCW

at least thats what the CS have told me just now

just got the card yesterday
still experimenting with it
got it mainly for the multi currency wallet and their lower than counter rate only

it can also be used to make money via forex as well(if hold it long enough)

to clarify to those
if u have preloaded MYR in there and spend overseas, they will convert it back to MYR and deduct the MYR inside your wallet
but if u have changed foreign currency within the app, if u spend 300thb for example, it will deduct 300thb from your wallet

that's their definition of "lock in rate and spend abroad"

for me, i don't bother wanting a name
why?
the card itself isn't as high quality as the ones issued by banks
the font itself doesn't protrude from the card

u can't do that
u preloaded it in yen
you're suppose to swipe the card like a credit card/debit card and yen will be deducted from each transaction

i do not think u can preload yen and withdraw yen from ATM, u better confirm that with merchant trade CS
AFAIK that's not how the multi currency wallet works

even if u can, it's not worth to do so
there will be a RM10 surcharge for withdrawing the money from ATM


please also do not spread way that will cost user more money
because when u preload it with yen and swipe it....it deduct from your yen wallet...no additional charges
but if u withdraw from your yen wallet...it's already stated that there will be a FROM RM10 charges should u withdraw from ATM

u use this multi currency wallet to save money, end up it's no different than any credit card out there
it's not worth it to do it that way

for japan usage, it's better to change cash earlier or change yen using the multi currency wallet earlier
both option is better than using it for withdrawal(which has extra charged)

i for one are holding a lot of yen(3.6XX) that i've changed many months ago before the sudden spike last month
inside my MCW also have 88k yen that is changed between 37.8-38....basically i can sell it now for a profit

when i apply for this card, i'm only interested in it's MCW function
other than the MCW, this is not a very good card based on it's fees...there are many card out there that offer better benefit...1 of which is bigpay but bigpay is unable to let u lock in your desired rate like this MCW
this card also has an annual fee that can't be waived
and if u ran out of yen and need to using your MYR wallet, rate follow visa(not mtarate's rate) +1% service charge(which bigpay don't have)

it works
loaded yen into my multi-currency wallet back when it's still 37.8
used it in a restaurant and it deduct the same amount as to what is being charged and no extra charges

yes, can