I would still use WISE over RHB. So far my Wise support is very good. This is more important. Whatever the small exchange rates is negligible. I don't trust RHB and has little faith in Bigpay(which I also have).

WISE for me.

It's not about exclusive. When you are overseas, you want the most reliable card that works and customer service that's response to you. Interest in debit card doesn't interests me...Its not like I will put 100k inside. What for? I will only put in enough for my use and ensure I can top up reliably online if needed when I am overseas.

Paywave is not a big issue. As long as PIN works, it doesn't bother me at all.

Wise now partnered with Interactive Brokers and you can fund your account via through Wise in IBKR portal for faster transfer.

https://www.interactivebrokers.com/lib/csto...ntent/418894543

🙂🙂🙂

Googlepay cannot. Others not sure.

Yes, UK can. Malaysia card cannot.

Just withdrawn 10,000 yen from Seven Eleven Bank ATM. There is an additional 110 yen charge per 10k yen. If withdraw 20k, it's 220 yen charge.

This post has been edited by CommodoreAmiga: Mar 28 2023, 05:23 PM

Yesterday and today used at 7-11 and Hotel in Japan. They cucuk the card in, not Wave, but don't need to key in PIN no. Straight approved. Hmm...

Yes, it will auto convert if you don't have ready currency of the transactions.

For every 10,000 yen withdrawal in Seven ATM Japan, I kena charged 110 yen. 1.1%. Ok lah, not too bad. Rather than keeping so much cash, I can with draw only when I need more.

Topping up RM is free and no charges. Foreign ATM withdrawal is free for the first X amount (can't remember) within the month. But of course ATM charges from foreign Bank applies for each withdrawal. Just use a combo of both. I pay with card wherever possible (example, all my big ticket item in Japan trip paid with card, like Hotels, Shinkansen(bought online prior), bus fares etc). So you don't really need so much cash. Unless you go to a country which is totally cash dependant.

This post has been edited by CommodoreAmiga: Apr 15 2023, 09:11 AM

No matter how, always prepare some cash. You won't know for sure if you can withdraw successfully at foreign destination. Ex, in Japan ,you can withdraw from Seven Bank ( a big group of Seven Banks I think, somehow also linked with 7-11? Not sure...lol) and Japan Post office ATM. Other ATMs might not work. So research the country you are going to and see which ATM works and doesnt. WISE has info in their FAQs.

If you have other foreign currecies which is widely accepted like USD, Euro, SGD etc. Bring them along as standby and convert if needed. I have found Pocket Machines in Japan which accept all the small notes (money changer won't accept) and I hentam all the small Euro, Won, SGD and convert it to credit to topup my Suica card (like TNG card there). Also changed all m Thai baht since dont intend to go there anytime soon anymore.

This post has been edited by CommodoreAmiga: Apr 15 2023, 09:29 AM

Eh...what? Tak faham...🤔

😂

I meant pay with the WISE debit card. I haven't use my credit card for any transactions in Japan. And yes, you must always do your research and see which ATM can withdraw with WISE in the country you are going to. Always plan your trip. Don't wait until there , then kelam kabut.

Unless you are Helang like Najib, sure kena persoal. Better keep your funds in AUD and bring in partial small amount in batches.

I think all those issued locally, accounts country are locked. Unless your WISE were issued elsewhere.

Mine is blocked. Maybe they missed out yours...let me help you report this problem...

Small charge ok lah, better than carry tons of cash and gets mugged..

Depends where...Japan very safe. Thailand, I can't say.

Ikely will have, just check at WISE FAQ or ask WISE support.

You use FPX to the transfer EPF self contribution? If I remember correctly, you can just use normal transfer from Maybank.
Anyway, nothing much you can do now, just follow Wise instructions. They are very efficient. Don't worry.