So it deducts your MYR directly even using UK wise digital card without incurring additional charges?

No additional charge. If there is, it doesn't make sense as a multi currency account anymore. I spend in Malaysia, it should deduct my MYR inside the account.

Besides that apple pay, google play also can added. Yahoo! can use wise on these 2

Googlepay cannot. Others not sure.

i have added. maybe coz my wise digital card is UK version. that why can add into both

Okay guys help me make sure my calculation is correct.

Money exchanger in Kuching quoted me 100 baht = 13.38 myr

In wise it's 12.96 myr to 100 Thai baht

So by comparing,

7000 Thai baht by money exchanger rate it's myr 936.6 myr

If I withdraw 7000 Thai baht through wise in Thailand plus their 220 baht atm transaction fee it's 907 plus 28 myr.

So... My as well I choose money exhanger right

Okay guys help me make sure my calculation is correct.

Money exchanger in Kuching quoted me 100 baht = 13.38 myr

In wise it's 12.96 myr to 100 Thai baht

So by comparing,

7000 Thai baht by money exchanger rate it's myr 936.6 myr

If I withdraw 7000 Thai baht through wise in Thailand plus their 220 baht atm transaction fee it's 907 plus 28 myr.

So... My as well I choose money exhanger right

But RM936.6 can convert THB 7,185.70 after fee
So why don't you just convert in wise app and use at Thailand locally?

And 100/13.38 = 7.4738 which quite low rate

Because it might be where goes in Thailand quite remote and doesn’t have much access to payment machines and ATMs hence why he is carrying cash 🤦‍♀️

Probably, but can save the cost by bring cash from MY to Thailand
Some more, is it true the rate is as low as 7.47 something now?
I'm going to Bangkok next few days and deciding how much need to allocate in cash/wise/HLB

You need to check live rates but anything above 7.50 is consider quite attractive

But money changer in EM will be expensive due to carrying costs from the FX currencies they are holding on hand

Indeed
I used wise live rate conversion to demonstrate how much THB can get from RM 936.6 after fee
I'll check rate again on next Monday or Tuesday then decide how much i should allocate into cash/wise/HLB

But i have no physical card on hand, as it haven't reach me. I just use google pay and cash in the worst case

But RM936.6 can convert THB 7,185.70 after fee
So why don't you just convert in wise app and use at Thailand locally?

And 100/13.38 = 7.4738 which quite low rate

Money changer will always be cheaper overseas ATM anytime because of network fees 🤦‍♀️

Did you calculate correctly on Wise where is it 12.96 before fee because if you add up 1128 baht plus rm28

Anything below myr 1100 is free for withdrawal based on wise new t&c after January the 3rd, 2023

Only valid in Malaysia ATM withdrawals 🤦‍♀️

He is asking for Thai ATM withdrawal whereby should be triple charges from atm, network fee and conversion fee

Try this. I yet to try too. Found in Reddit by /u/deepfried_mind
I will use a UK address.

Workaround:
Issue a digital card from a different country (basically change your address to another country, create a digital card, change it back to your actual address). The newly created digital card can be added to apple wallet for contactless.

Change your country under your profile on the top right corner -> Edit, once you've changed your country, the next digital card you make will be the country your profile is set in. Worked for both myself and a friend of mine, we changed to the UK.

Note that your physical card will still be the same, ie. Wave & Apple Wallet incompatible, only the digital card will work.

Edit: Just tested. Confirmed working.
Easy don't need to bring physical card out overseas in the future.

Stay away from HLB MCA as they are changing bank rates with 2% spread 🤦‍♀️

Better use BigPay instead or TnG Visa card if you either those