I have 2 question:

1) if i have usd balance in wise account, then i use the card to pay for myr goods. It will auto convert the balance need to pay for the goods correct? Which is around 0.2% expense if im not mistaken.

2) if i have myr balance in wise account and want to transfer it to myr bank account what is the charge incurred? As in is it fixed value or % based?