Anyone else having problem adding money to their WISE account?

WISE just prompts this message:

"Exchange rates are volatile right now, so you can't add this amount to your USD balance using MYR.."

Tried adding/converting using other currency, same thing

Lol, my account got deactivated more than a month. Email sent one month ago till now no feedback wtf wise. How hard is it for them to get back to me? There are funds inside my account....

Cash out MYR to other currency, very good.

how long have you been using wise? wonder is there any alternatives like wise

This post has been edited by jozyzzz: Nov 15 2022, 02:17 AM

Currently, I use Wise purely as a foreign exchange broker where funds are transferred from source of origin bank in A denomination, converted via Wise exchange + fees and redirected back to source of origin bank in B denomination.

Plenty. Only not available to Malaysians.

I suggest apply rhb multi currency card better. Secure and no limit storage. Anything happen jz go back to rhb settle. Some more rate is better . Only con is Rm20 annual fee.

Happened to me.

Just send a support ticket, they will reactivate in few days.

RHB multicurrency rate is better? Sure boh. Can I send SGD directly to a Bank in Singapore without charges?

Been a user with them since 2020, till recently wise deactivated my account.

May I know whom did you emailed to?

I'm curious to know... When will we know whether credit card payment becomes a cash advance instead of a normal CC charge?

Does it depend on the merchant, or the FPX gateway?

i said send support ticket

Anyone has use WISE card overseas? When buying stuff, it will automatically charge to local currency or will the system ask you? Going to Japan next year.. Planning to pay most big purchases with WISE card (Hotel Accomodations). When not enough, then top up Yen from my Malaysia bank via FPX. I don't want to carry so much cash (lousy conversion rates for cash too). This will also prevent sudden buttseck by credit card with hidden charges and lousy exchange rates for sure.

Are you sure the rates better 🤦‍♀️ Bank FX spread is Min 2% btw

In order:
1. Deduct from local currency (e.g yen).
2. If not enough, deduct from other currency account with the best exchange rate.




You should top up the Wise MYR account using MYR. Then convert from Wise MYR --> Wise Yen.
If you're topping up Yen using local bank, wouldn't that be using the local bank's exchange rate and fees?

But this step is optional. if you don't have Yen or insufficient Yen, it will always deduct from another currency account with the best exchange rate.

If I am not wrong, WISE works by taking your RM as it is and convert for you. Hence, local banks job is just to give RM to WISE. So it's the same as putting in RM, and then convert. I have done it multiple times before. The rates are better than banks. And only RM deducted.from.my bank. Right now my wise is mostly filled with Yen and little of other currencies....rest all add up less than RM100. Lol.

You will know it when it is "statement"-ed. Normally you need to pay 5% cash advance fee (minimum charge apply) + CC interest.

Your card issuer will get a lot of info from a credit card transaction, not only the merchant name, amount, date and time but also category and nature of transaction.

i just add the Wise Bank Account to favorite, and perform transfer within AmBank, as no OTP SMS is required when oversea, very convenient and reduce the risk storing too much inside the card and get stolen or scammed. Also, using Wise digital card to buy ticket with oversea app is convenient too, as authentication on card payment can be done with WISE app, without the need to receive OTP SMS when oversea

Wise has a bank account no? Because everytime i transfer, i use WISE app, then FPX from my bank. So can do other way round? I didn't know! What is WISE bank account and no?

Btw, if card lost, you can use the app to freeze it immediately. I only use the virtual card for online purchase. Once done, i will freeze the virtual card.

But when you transfer from Ambank, also need OTP from Ambank right? Or they have solely use the secured verification? I can't remember. Like Maybank still use OTP for small amount and bigger amount only use the Secured Verification via app.

Updated:

Is it transfer to WISE bank from your bank like this?

https://wise.com/help/articles/2559761/how-...y-bank-transfer

This post has been edited by CommodoreAmiga: Nov 16 2022, 11:57 AM