Updated with newer data. Conclusion is slightly different
Still leaving the old data for comparison.
NOTE: I've only done this for MYR/SGD pair. MYR/USD or MYR/EUR might give different results
Transferwise is most expensive. Don't use it unless you don't have a choice or want 'average fee' so you don't have to calculate every time.
For amounts <RM2750, use Instarem.
For amounts >RM2750, use BigPay.
Old data below in Spoiler:
This post has been edited by Yggdrasil: Jul 6 2020, 04:04 PM