I tried RM1 and click next. Only need me to authorise and THB 7.67 is inside my account

HLB: RM1000 can get THB7674.80 despite rate is 7.6748
WISE: RM1000 can get THB7,654.20 despite rate is 7.70699

I know the rate is better in wise, but i get less amount when converting in wise at the end.
We should focus on what we get at the end, right?

PS: RM1 is just for demonstration 

RHB gives the best rate, better than even Wise and HLB to convert to USD.

MYR to 1000USD

RHB MCA: RM4442.00
HLB Wallet: RM4464.30
Wise: RM4455

Thanks. As a buyer, we're not charged by Paypal - only the sellers are. But there is still some bank charges for the conversion, so I am seeing if using Wise will even be cheaper.

need help!
is it really take so long to delivery the wise card? The apps shows get by 27/4 if i apply now. I need to travel on 23/4 

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.

How to use the digital card? Google Pay and Samsung Pay does not support the card.

I have soem euro in wise. But when I pay for hotel (in Malaysia) it deduct my msia account instead.

Will it be auto deduct correctly when I was in euro?

Ha? So if I go to euro.. I need to make sure my rm is zero so it will use euro?

Which mean they will only follow when I am in euro ( they will deduct euro(

If I am still in Malaysia paying online. It will not deduct euro but rm instead.
Same goes to if I am in Singapore it will deduct in sg instead of euro if I am paying for hotel in euro?

Duitnow jp morgan. Gone after 2 working days.

Who told you is friday ? Yesterday is Monday, today is Tuesday 🙄
Receiving money from others.
Poor Wise company.

Apple Pay method still works. Just tested and added to both phone wallet and AW wallet. Haven’t try yet.

means he work in Visa/Mastercard

lol shareholder of Visa/Mastercard lah.

I have been using Wise to transfer my pension back from Aust (Aud to Rm) nearly every month. On average i transfer about A$7k-8k/mth. The transfer is fast and i get the funds almost immediately (about 10 secs later). Rate is usually about 1.6c less than the mid-rate.

I have been using Maybank (telegraphic transfer) to receive from CBA Aust before and Wise is so much better. So happy now using Wise.

I just sold off a property in Australia and expecting to receive the proceeds in my AZ bank soon. My plan is to bring back the funds here as I am consolidating my assets. Preference is to maintain the funds in AUD instead of converting to MYR. I think Wise can only hold RM20k worth of money, so option to use Wise for transfer look not feasible as anything above 20k will be converted to MYR and deposited into local bank account. So now I am thinking of TT old fashion way to my local bank's Foreign Currency accounts instead and dump it to FD after. Hopefully not too many questions asked by bank where the funds are coming from...

Me too able to change country 🤷

Quick question,

Any Thailand ATM that doesn't charge additional fee to withdraw from Wise's thai baht account?

or all ATM withdrawal in Thailand subject to network fee by the bank? Couldn't find a clear answer from the thread.

nowadays so cheap n convenient liao... some fees just have to pay...

i rmb last time have to buy cut throat traveller's checks...

you not gonna withdraw everyday ah... 10-day travel you probably just do it once... just treat it as vacation expenses lah... be happy buy more cheap stuff to average down... hahaha...

Newbie here. Recently gotten my Wise card and I'm planning to add in 5k baht inside but having compare today and yesterday rate. Shouldn't the lower rate be cheaper?

Also, the instruction stated I need to make in store payment to activate the card. Can I add money in Thai Baht and when I'm in Bangkok I can start to active there? Or must I activate locally first?

Ohh okay thank you sir. For the in store payment, can it include restaurant or bakery shop that accepts VISA?

Just to reaffirm, I just put money in RM and not in Baht when I am in Bangkok, it will auto convert without any issue?

Do you think is better to put in RM or Baht when I am in Bangkok as I’m seeing the rate now is fluctuating?

Indeed fees are around 0.7% as confirmed by Wise themselves:



0.7% out of 2% spread typical bank charge is about 35%. 35% is "a fraction". Let's see if Wise will still use the term "a fraction" when their charges rise up further.

Embrace. Extend. Extinguish. Now it's "extinguish" phase.

As other members mentioned. Better standby cash just incase. They will inform you if there is additional charge.

Last time I calculated before, putting THB in Wise and withdraw from Thai ATM. After calculating the fees + withdrawal fees, it's still cheaper than changing money changer. But need to withdraw the maximum amount in transaction to be worth it. I think about 20k THB if not mistaken. Cos the withdrawal fees is fixed

If I am travelling to Singapore and need to spend some SGD, is it cheaper to convert some MYR to SGD first in Wise, and spend it there using the debit card? Or I should just leave my MYR in Wise and let Wise to convert it into SGD whenever I spend in singapore? Which one is cheaper?

Guys how long to get the wise card ya? I will be travelling in 3 weeks time and from app estimate time is end of may. Is that accurate one?