i linked my google pay to my virtual wise debit card number, no issues whatsoever. no physical card to insert into ATM also

yup. daily S$0.60 surcharge

This post has been edited by Medufsaid: Apr 7 2024, 08:29 AM

the card need to use pin once before u can paywave. it is mandatory.
administration fees is common when use oversea

True, but be warned for countries that do not fully support cashless, or in case card system or internet is down, having cash is always your best bet (diversification). Using Wise at overseas ATM to withdraw cash may have extra fees (some may even be percentage based??) imposed by the overseas bank (to my understanding, that fee is similar to how if you use a card of a different bank to that ATM like CIMB card on Maybank ATM). So consider avoiding unless you know the country/bank system well.

Hey folks, may I know how does this admin fee show in your transaction details? So far I've always preconverted my MYR to the currency I want for my upcoming travels, so every transaction overseas I'm just charged by the same currency, there's no extra. Curious to know how the fees add up and all.

Takudan sign up for simplygo, you'll get itemised billing. if not mistaken u can only see records from last few months (6 months?)

SMRT will only bill you daily, so all the trips + S$0.60 surcharge is bundled together in 1 daily lump sum

This post has been edited by Medufsaid: Apr 7 2024, 10:52 AM

Sharing info:

first time use overseas with wise card. Bought a gift in Changi and charge in SGD. In my wise account I have GBP, NZD, MYR currency balance. However to my surprised, wise use my GBP to convert to SGD for the payment. Is this right? I expected it to use MYR. Can't find how their auto convert works.

sairay lock the money you don't want to be autoconverted into Wise Jars

based on their documentation, they'll use the foreign currency with the cheapest fees

Thanks Medufsaid. Life saver 👍

This post has been edited by sairay: Apr 7 2024, 02:33 PM

this has to be done in singapore atm, right?

if go to China, which has better exchange rates for cashless payment?
- use TnG app with AliPay
- use WeChat app with Wise card

while waiting for ck8811's answer, you can try linking your googlepay to the virtual wise card number. confirm can work

Hi. I will go to Europe on May 24.

Does anyone have had trouble to use the Wise card (contactless) and cash withdrawal at Italy and Greece?

Thank you in advance.

AliPay's exchange rate is poor.

if using for small item.. poor rate also have to use.
scan QR pay and go.

BTW I intend to change myr to sgd in Singapore rather than doing it in Malaysia. How much does sg atm charge?

free, use UOB ATM's or Maybank ATM's (harder to find)

do not use OCBC nor DBS/ POSB ATM's, they charge $5 - $8 SGD per withdrawal

i saw that you have already opened a Singapore bank account, why not use their debit card from the bank you applied for or you have yet to obtain the debit card

Edit: if you are withdrawing with a Malaysian debit card or any non Singaporean debit card, please choose "Decline Conversion"

UOB offers their own conversion which is SGD $50 for MYR 182.50

i performed a withdraw via GXBank Debit Card, SGD $50 for MYR 177 or MYR 175.80, performed ATM withdrawals on 2 separate days

This post has been edited by moonsatelite: Apr 17 2024, 12:49 PM

Hmm.. So I get my debit card from cimb sg

Then from wise convert myr to sdg then transfer to sg cimb bank account?

Okay sounds like a good idea. Thanks bro. Malaysian money exchangers now compulsory filling up data. Leceh

CIMB SG once has 1 branch and 1 ATM in the whole of Singapore, not worth traveling all the way to Raffles Place to perform a cash withdrawal.

Plus, CIMB SG's card is an ATM card, not a debit card and you cannot pay for anything with it, you're better off opening OCBC SG or Maybank SG

also, you said "leceh" which i understand and hence why i use my GXBank debit card to perform cash withdrawals here and decided not to visit any money changers in Malaysia to get Singapore Dollars, stupid policy changes and being a smart ass as if it would solve/ change anything.

This post has been edited by moonsatelite: Apr 17 2024, 12:59 PM

just give ic. name and phone number only

why the hell is that needed when previously you can exchange currencies without questions asked for amounts below MYR 2,500

My patient works in one of the most famous money exchangers in kuching and she herself says it's the stupidest thing the government is doing. Now most of her customers who normally launder money just take a flight to Singapore as a pretense of travelling and change money there.