anyone can share experience on using this ? How does it compare with bigpay? Still thinking to apply or not?

cash or FPX only.

no. as long you got money inside. frankly speaking now mco, where got people want to travel and use other currency.
they will charge RM8 per year for your card. Let say next year (after a year), if inside no balance to deduct rm8, then most likely card invalid

it has it's usage and depend how u see it. u can use as prepaid debit card with RM balance.
for me,you can easily buy the currency when low and keep digitally. Multi currency wallet is quite useful. I sure need SGD, USD, Dong, Euro, Pound, etc when travel
Else, end up having physically notes which keep as dust and always useless for small notes changes.

compare to bigpay, u can keep the currency (buy low) and sell when high. or keep it for future use.

conclusion, it has the value depend how you use it

This post has been edited by ericlaiys: Jun 6 2020, 11:00 AM

merchantrade allow you to buy and sell anytime even before u travel
bigpay is when use and only after 3 days know the currency conversion. depend on market price. if go up, then no good. if go down, it is good

So both has value & i have both as travel companion

USD.