not sure if they have changed this, but few years ago this happened to me. Euro balance not enough, but they took all from Euro first, then from my other accounts.

Ohh that's nice, thanks for correcting me! I'm curious to see how the transaction history looks like... Wonder if you can still find it? Cuz if there's currency conversion to complete the transaction, then you can see the full details in the transaction itself.

changed to Community Federal Savings Bank

yes, they will take whatever you have in that currency, and if it's not enough, then take from other currencies, usually your default currency and change according to the exchange rate

thats why when you use wise to pay, it does take a while to process. but they can do all that in seconds, is very good to me

It's been a while, so I'm not keen to hunt for it, lol. But yeah, like washout says. First they take from my Euro account, then they take from my other account. They show how much they take from the other account, and the converted amount to Euro (the remaining amount that is required).

I don't think there's a "default" currency per se. They always take from the best rate. E.g my card was issued in Europe so I mostly use Euro. But when I was in Doha and paid with the card, they took the money from my Swedish kronor account instead. I was also surprised, since I thought they would take from my Euro account which have more money.

After that I moved all my SEK to a jar since I don't want them to use the money there.

Hi, I just wondering how to use wise card for ATM in overseas. Do I just need to top up the card using MYR and later withdraw in oversea or I should top up and buy the country currency first and withdraw the same country currency at ATM machine?

use MYR. when withdraw it will do conversion

anyone knows how to use FinTech to send funds to Taiwan in NTD?

Sorry for non-Wise relevant topic. Open RHB MCA recently and notice the rate are follow "Multi Currency Account/-i Counter Rate" instead of "Multi Currency Account/-i Debit Card Special Counter Rate*"

How we can change it? Request thru branch? Thanks.

yea... is it convenient for you to walk-in to a RHB branch? MCA is a "boomer-friendly" product (in a good way. with Wise, if the things u want to do is not on the app/website, you are mostly screwed. customer service is non-existent)

This post has been edited by Medufsaid: Oct 20 2023, 08:22 PM

I didn't receive this type or email. How do i get it? Important stuff

Where did you see the rate set to the counter rate? The Card Special Rate is always what you get online.

If you're hoping for help with RHB MCA, don't count on it here, they blindly think Wise is always the best.

This post has been edited by Steve78: Oct 21 2023, 12:54 AM

I also didn't receive. Not in email or app

i think I'm the only one affected. You can check your USD wise bank details to confirm. (refer to that email screen shot I posted, "find your acct details in USD balance")

This post has been edited by Medufsaid: Oct 21 2023, 08:48 AM

My online banking app show the rate is not following special counter rate. When enquiries thru RHB CS, they
mention only applicable to over the counter.

Do you have MCA Debit card? Special rate only applicable for those with MCA Debit card

Edit. I know. Just ignore the 4.95 rate, it will show correct rate once u select the USD. I also saw 4.95 initially, but it will be the cheaper exchange rate once I clicked usd.

https://ibb.co/qnFFnwW

https://ibb.co/Yb6McT9

This post has been edited by Mr Gray: Oct 21 2023, 10:39 AM

Do have the MCA debit card... but the rate remain as expensive once clicked in.
Try mobile apps also showing the same.

Seem may need to drop by branch to enquiries.

Yeah better go to branch and check

I clicked on my USD balance, and it just shows my account number, ACH and wire routing etc. No info like yours. Guess I am not affected. . Thanks

I think they did not link your MCA debit card. I remembered when I created mine, the officer says need to link the card or you won't get the special rate. You need to go to the branch for them to set it right.

BTW, do you now have only 1 debit card (ie MCA debit card now combined with ATM debit card). Officer told me that I had to combine them into 1 card



This post has been edited by abcn1n: Oct 21 2023, 02:43 PM