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 Wise (Transferwise) Malaysia Discussion, v1.0

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rocketaz
post Jan 10 2022, 05:13 PM

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QUOTE(TOS @ Jan 2 2022, 05:07 PM)
Ordered my Wise card today. Still free of charge with the standard postal delivery. Seems like the "promotion" has been extended.

Side note: I am interested in how much Wise makes out of all the kind and nice services provided, checking their IR page, while gross margin is close to 70%, the bottom line net margin is somewhere between 3-10%.
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The promo has been extended until when? When I asked wise on their fb, they replied 'To order a card now, you'll pay a fee of 13.70 MYR.' hmm.gif
Do you apply on web or app?

This post has been edited by rocketaz: Jan 10 2022, 05:14 PM
SUSTOS
post Jan 10 2022, 06:12 PM

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QUOTE(rocketaz @ Jan 10 2022, 05:13 PM)
The promo has been extended until when? When I asked wise on their fb, they replied 'To order a card now, you'll pay a fee of 13.70 MYR.'  hmm.gif
Do you apply on web or app?
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No idea about extension till when, just login to Wise web portal and apply card from there. I didn't talk to any customer rep. before and after the application.
SUSxander83
post Jan 11 2022, 04:19 AM

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QUOTE(Kadaj @ Jan 10 2022, 02:38 PM)
Wise Visa Paywave / Contactless / NFC:

1. Hong Leong - Ok @leo2010
2. Public Bank - Declined @leo2010
3. Maybank : McDonald's - Declined @The1stHumanBeing

If more people can share more info, we shall know whether it's certain bank disabled the NFC function over all of their terminals OR
just merchants turned off the NFC function at certain outlets.
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711 and 99 speedmart working fine both using Hong Leong terminal with wave or pin
Kadaj
post Jan 11 2022, 01:27 PM

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QUOTE(xander83 @ Jan 11 2022, 04:19 AM)
711 and 99 speedmart working fine both using Hong Leong terminal with wave or pin
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Thanks, updated.
Currently seems like only hong leong terminal working fine with paywave.

If anyone tried tesco, aeon and petrol stations pls let me know.
Quite curious which terminal they're using as well.
SUSxander83
post Jan 11 2022, 06:24 PM

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QUOTE(Kadaj @ Jan 11 2022, 01:27 PM)
Thanks, updated.
Currently seems like only hong leong terminal working fine with paywave.

If anyone tried tesco, aeon and petrol stations pls let me know.
Quite curious which terminal they're using as well.
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Those terminals are white wired or orange colour which is wireless are the ones by Hong Leong

Later will try Maybank ones to see whether it works or not
siaush
post Jan 13 2022, 02:59 PM

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Anyone tried to apply for the card after 2 Jan 2022? Any idea if the card is still free of charge?

Thanks.
The1stHumanBeing
post Jan 13 2022, 06:53 PM

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QUOTE(Kadaj @ Jan 11 2022, 01:27 PM)
Thanks, updated.
Currently seems like only hong leong terminal working fine with paywave.

If anyone tried tesco, aeon and petrol stations pls let me know.
Quite curious which terminal they're using as well.
*
Tried using Wise Card for Pepper Lunch in Pavilion Bukit Bintang, both wave transactions failed. The merchant used OCBC terminal.
nate_nightroad
post Jan 13 2022, 06:56 PM

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I applied for the card without topping up rm101, will i get the card?

I mean the app says I will get it by 27th of January

This post has been edited by nate_nightroad: Jan 13 2022, 06:57 PM
The1stHumanBeing
post Jan 13 2022, 07:29 PM

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QUOTE(Kadaj @ Jan 11 2022, 01:27 PM)
Thanks, updated.
Currently seems like only hong leong terminal working fine with paywave.

If anyone tried tesco, aeon and petrol stations pls let me know.
Quite curious which terminal they're using as well.
*
Tried using Wise Card for llao llao in Pavilion Bukit Bintang, both wave transactions failed. The merchant used CIMB terminal.

dwRK
post Jan 13 2022, 08:33 PM

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QUOTE(nate_nightroad @ Jan 13 2022, 06:56 PM)
I applied for the card without topping up rm101, will i get the card?

I mean the app says I will get it by 27th of January
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call cs... we dunno...
dwRK
post Jan 13 2022, 08:35 PM

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QUOTE(siaush @ Jan 13 2022, 02:59 PM)
Anyone tried to apply for the card after 2 Jan 2022? Any idea if the card is still free of charge?

Thanks.
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still foc afaik
SUSTOS
post Jan 13 2022, 09:16 PM

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QUOTE(siaush @ Jan 13 2022, 02:59 PM)
Anyone tried to apply for the card after 2 Jan 2022? Any idea if the card is still free of charge?

Thanks.
*
I think you can still try to go through the steps, just choose to stop whenever the website asks you to enter your bank account/other payment methods. If not, you can safely assume there will be no charges. That's what I did back then. Just curious to try things out.
SUSTOS
post Jan 13 2022, 09:16 PM

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QUOTE(nate_nightroad @ Jan 13 2022, 06:56 PM)
I applied for the card without topping up rm101, will i get the card?

I mean the app says I will get it by 27th of January
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I applied without topping up anything in Wise. Will let you know here when my card arrives.
Kadaj
post Jan 13 2022, 09:25 PM

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QUOTE(The1stHumanBeing @ Jan 13 2022, 07:29 PM)
Tried using Wise Card for llao llao in Pavilion Bukit Bintang, both wave transactions failed. The merchant used CIMB terminal.
*
Thanks, updated!
Currently still only HLB terminal enabled for NFC and all others declined.

Now I'm curious those merchants that declined wise visa paywave, will they decline credit card's paywave issued by other banks as welll?
If answer yes, that means they really reject all NFC payments;
If answer no, that means something wrong with wise card.
nate_nightroad
post Jan 13 2022, 10:02 PM

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QUOTE(TOS @ Jan 13 2022, 09:16 PM)
I applied without topping up anything in Wise. Will let you know here when my card arrives.
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Ok. Let’s see who’s arrived first 🤣
thecurious
post Jan 13 2022, 10:23 PM

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QUOTE(TOS @ Jan 13 2022, 09:16 PM)
I applied without topping up anything in Wise. Will let you know here when my card arrives.
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Wasnt topping up part of the kyc process? It was skippable?
SUSTOS
post Jan 13 2022, 10:49 PM

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QUOTE(thecurious @ Jan 13 2022, 10:23 PM)
Wasnt topping up part of the kyc process? It was skippable?
*
During the application process to obtain the card, there is no kyc process needed. My account has been verified in first place. Perhaps I did transactions before to my SG bank account.

If you just opened a new Wise account with them and have not done any transactions but straightaway apply for a card, then maybe kyc needed?

Not quite sure anyway.

siaush
post Jan 14 2022, 12:08 AM

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QUOTE(TOS @ Jan 13 2022, 09:16 PM)
I think you can still try to go through the steps, just choose to stop whenever the website asks you to enter your bank account/other payment methods. If not, you can safely assume there will be no charges. That's what I did back then. Just curious to try things out.
*
I see.. I am able to reach the page asking to top up RM101, not sure if the fee will be deducted from there confused.gif
SUSxander83
post Jan 14 2022, 02:16 AM

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QUOTE(The1stHumanBeing @ Jan 13 2022, 06:53 PM)
Tried using Wise Card for Pepper Lunch in Pavilion Bukit Bintang, both wave transactions failed. The merchant used OCBC terminal.
*
Is it grey color wired terminal?

QUOTE(The1stHumanBeing @ Jan 13 2022, 07:29 PM)
Tried using Wise Card for llao llao in Pavilion Bukit Bintang, both wave transactions failed. The merchant used CIMB terminal.
*
If it is CIMB grey Color wired terminal which have a lot issues doh.gif

QUOTE(Kadaj @ Jan 13 2022, 09:25 PM)
Thanks, updated!
Currently still only HLB terminal enabled for NFC and all others declined.

Now I'm curious those merchants that declined wise visa paywave, will they decline credit card's paywave issued by other banks as welll?
If answer yes, that means they really reject all NFC payments;
If answer no, that means something wrong with wise card.
*
Nothing to do with merchant but it is from the bank side which mostly are not configured are to access universal card issued by VIsa or MC doh.gif

Even those mobile orange color can accept it with no issue so it is bank end doh.gif

QUOTE(TOS @ Jan 13 2022, 10:49 PM)
During the application process to obtain the card, there is no kyc process needed. My account has been verified in first place. Perhaps I did transactions before to my SG bank account.

If you just opened a new Wise account with them and have not done any transactions but straightaway apply for a card, then maybe kyc needed?

Not quite sure anyway.
*
Ekyc is needed is because for the card to be issue under account holder name doh.gif

Without physical card no need for ekyc

Btw anyone received the card with Visa Platinum on it?
SUSTOS
post Jan 14 2022, 08:56 AM

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QUOTE(xander83 @ Jan 14 2022, 02:16 AM)
Ekyc is needed is because for the card to be issue under account holder name  doh.gif

Without physical card no need for ekyc

Btw anyone received the card with Visa Platinum on it?
*
Oh you have applied for the card too? The ekyc for your case is done during the application or after you have received the card?



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