One option is that your aunt could sign up for Wise and then send the money from her bank in Germany to your bank in Malaysia using Wise ...

Or she can just go to her bank and TT it over to your bank directly, which costs a bit more... but is straightforward for most people, and since it's a large sum you wouldn't want it to get stuck in processing for any reason...

2 cents worth.

Oh, I see. Does this means I can say, receive SGD 50k from my Singapore CIMB bank? And then send from the JP Morgan the SGD 50k and convert it to RM to send to my local Maybank? Can I do it the other way from JP Morgan to the Singapore Bank as well?

Got... even MYR cash out to Malaysia bank will have a small fee.

When you initiate the transfer, it will tell you exactly how much the exchange rate will be (if it involves forex) and the total fees imposed. Try it once and see.

If it is already in Wise, as mentioned, just transfer it to your local bank account in Malaysia and be done with it. The app will tell you exactly how much you will incur in fees. For your scenario it's the most viable and cost efficient option to get that money out of Wise and into your local Malaysian bank...

Some banks might receipant fee so beware other receipant side

It is bank dependent policies as every banks has different AMLA policies and procedures

As long as your source of funds is legit and documented why worry so much 🤦‍♀️

No such thing as the threshold when delay or frozen happens 🤦‍♀️ The money is not stuck or missing but it is in BNM clearing account

The only time it will happens if you when use illegitimate sources as funding sources

If you so scared suggest you pay more for proper for wire transfer via banks or split into smaller amounts

Like I said no such thing as threshold because AMLA policies implementation it is different from bank to bank 🤦‍♀️

If you so scared go to the bank branch and ask them for guarantee for transfer instead 🤦‍♀️

Every transfer whether you like it or not will go through BNM so the report is there and you should instead worry about the documentations of the source of funds

It seems like you worried as it is looks not legit the source of funds

I already replied.. it can go through as a single transaction...