Hello,

The purpose of my question is to facilitate payment for loan in Malaysia. Currently passing on money to relatives, friends that visit australia to bring back to convert with money exchanger or exchange with them prior their visit.
Would like to find an alternative that won't trouble people much.

1. If Malaysia but working abroad having AUD bank account. Do we open a Msia Wise account or Aussie Wise account when choosing the country on sign up. Any difference?

2. Would like to know if Wise rate is better (after fee and wise exchange rate) than our local money changer?