Hi guys,

Would like to know how we can add money inside our wise account using credit card.

Saw the option available but greyed out.

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.

Not more than rm10k as it will trigger bank to check your account.

Not saying you're doing something wrong but you don't want any hassles from useless half baked bank officers to check your stuff

The most i have done is A$8k per transaction.

You can also break it up into smaller amounts if you feel uncomfortable with larger amounts. There is a warning message you get if the amount you are sending is more than rm10k advising you not to send more than rm10k unless the account holder (in Msia) is a Malaysian resident. You are also asked what the money is for.

Recently it looks like their fees has increased but it is still better than the A$22 fee per transaction charged by CBA Australia.

If your Malaysian account you are sending to is a Malaysian resident then it shouldn't be a problem.

My Malaysian account is in Maybank and they have verified that i have worked in Aust for more than 30 years and i also showed them my superannuation balance (i have 2 superannuation accts and i showed the one with the lesser balance). I spoke to the Maybank Bangsar Baru remittance officer when i started to remit funds back to Msia (about 2 years ago) and she told me that i can remit any amount i like as i am considered a foreign retiree even though i am still a Msian.

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

Yes, tried at UOB atm. they will ask which account to withdraw from(savings, current, credit card cash advance).
I just chose credit card cash advance. no withdrawal fee if still within your atm withdrawal limit (less than RM1000 equivalent in foreign currency / twice a month)
means withdraw 100 sgd, they deduct 100 sgd from your wise account, that's it.

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

All ATM can, and there will be a bank charge.