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Wise (Transferwise) Malaysia Discussion, v1.0
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andrew98
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 Nov 16 2022, 11:41 AM
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Getting Started
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QUOTE(CommodoreAmiga @ Nov 15 2022, 10:41 PM) 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. 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  |
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andrew98
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Nov 17 2022, 04:47 PM
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Getting Started
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QUOTE(CommodoreAmiga @ Nov 16 2022, 11:49 AM) 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?
it's normal DUITNOW transfer like local bank, e.g. AMBANK to MAYBANK, there is dedicated bank account associate with your WISE account. You can find your specific account number in WISE, the bank name is JPMorgan Chase Bank Berhad |
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andrew98
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Nov 17 2022, 04:53 PM
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Getting Started
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@CommodoreAmiga btw, transfer this way (to JP Morgan), there is delay of fund to appeared in WISE, it could take 10-15 minutes, unlike FPX which is immediate update. you may need to top up ahead an hour earlier, instead of last minute while queueing for payment  |
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andrew98
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Nov 17 2022, 04:53 PM
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Getting Started
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QUOTE(Natsukashii @ Nov 17 2022, 04:50 PM) But it is not instant right? It takes 1 business day if I'm not mistaken to appear in WISE account. Or am I wrong? FPX is instant.. i used this way to top up last month, the balance get updated in 10-15 minutes |
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andrew98
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Oct 2 2024, 04:38 PM
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Getting Started
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QUOTE(CommodoreAmiga @ Oct 2 2024, 03:51 PM) Hi, I am going to travel to China. Anyone has use WISE to withdraw Yuan from ATM in China? Is it possible? How much is the charges for ATM fees? Just link the Wise card in AliPay, hardly need to use cash in China. Not having a need to use cash since years ago... |
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