I can't remember if Malaysian ATMs support this though. Do you?

What ATM did you use to change the pin? I tried with CIMB, Maybank, RHB don’t have the change pin option

have you found any atms that allow change pin option?

Foreign currencies are not held directly in local MY bank accounts, they need to clear through correspondent banks in the countries which issue the currencies (e.g. US correspondent banks for USD, JP for JPY). So what seems like a simple transfer of JPY or USD between 2 Wise accounts actually involve intra-account crediting/debiting of the nostro account(s) of Wise's correspondent banks in Japan (for JPY) and the US (USD).

There is no local JPY or USD clearing facility here in Malaysia, so everything has to be converted to MYR first before exchanging to other currencies.

If you wish to send JPY to another JPY account without all the hassle then BOTH accounts have to be based in Japan when they are opened, so they are like local Japanese bank accounts and need not involve the use of correspondent banking in the process of money transfer.

Just based on my limited understanding of the global banking system.

Unrelated but touches on aspects of correspondent banking: https://www.ziv.unibe.ch/unibe/portal/fak_r...diction_ger.pdf