Was wondering how some people can add Wise Card to Google Pay.

https://wise.com/help/articles/2977965/how-...with-google-pay


Can I add my Wise card to Google Pay?
At the moment, you can add your card to Google Pay if your address is in Austria, Australia, Belgium, Brazil, Bulgaria, Canada, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Guernsey, Hungary, Ireland, Isle of Man, Italy, Jersey, Latvia, Lithuania, Netherlands, New Zealand, Norway, Poland, Portugal, Romania, Singapore, Slovakia, Spain, Sweden, Switzerland, the UK, and the US.

That‘s only true for 'Free' withdrawal fee.
You can withdraw more than RM1K, but with a fee.

Mine is also disabled.

Quick question,

Any Thailand ATM that doesn't charge additional fee to withdraw from Wise's thai baht account?

or all ATM withdrawal in Thailand subject to network fee by the bank? Couldn't find a clear answer from the thread.

Mine credit card option is marked as 'unavailable payment option'.

Yes, you can withdraw TWD from Taiwan's Bank ATM without withdrawal fee if withdraw less than RM1000/month.
If withdraw from 7-11 ATM, may incur TWD100 withdrawal fee.

And no, you will not have TWD currency in Wise wallet. But you can keep the money in any other currencies, it will auto convert from the best currency for you.

can consider using Google Wallet with Wise now for contactless.

That's likely the Wise's 1.75% for amount more than RM1000 in ATM withdrawal.
ATM withdrawal fee, if any, usually is about TWD100.

Withdraw RM1000 worth of TWD (around TWD6700) from ATM free of charge from Wise. Then use the contactless (paywave) feature of Wise card wherever acceptable. If you are coming during month end crossing over to new month, can withdraw another RM1000 worth of TWD for free.

ATM at the convenient store, if not from bank usually imposes TWD100 withdrawal fee. I've tried 國泰銀行 ATM, no ATM fee imposed.

Bigpay can use on Agoda without fund in it?

of course you can! that's the whole purpose why we convert yen ahead of the trip right?

you can put your MYR into JAR, by so doing, it won't be touched.

No, you cannot.

can top up touch and go and DuitNow out.

Withdrawing cash using Wise abroad is subjected to the local bank's policy. Some may impose quite expensive withdrawal fee or corresponding rate based on the amount withdrawn.
Do google for such rate/fee in your target country first before making a decision.

Alternatively, it could be better rate if you use the card to pay instead, provided you have 'secured' a good exchange rate.

if my memory serves me correctly, withdrawing cash from the local ATM (國泰世華) in convenient stores has no ATM withdrawal fee and there was only exchange rate + fee from Wise if you are withdrawing under RM1000 / month. And convenient stores is so many that you can find one in almost everywhere in the city.

Using google/apple pay or credit card is widely acceptable in urban cities in Taiwan. Night markets, quite a number will accept the local ewallet such as LinePay or JieKou (街口支付). In such cases, cash is still easier.

Personally, I don't like to keep small change from travelling, most of the time, money changer from Malaysia would not accept small change. Therefore keep cash to minimal is preferred. If you are travelling with friends, pool the cash together and spend, lesser change scattered around.

Yes on the TWD7,000 ATM withdrawal via Cathay United Bank.

When you go to money changer, you are to pay the rate what they 'sell'.

This is the rate at 2025-02-12 10:56 AM taken from https://www.exchangerate.my/maxmoney/midvalley-megamall:

13.3750

so you will be paying RM133.75 for every TWD1,000.00

If Wise rate is higher than RM133.75 for the same time, then money changer is a better choice.

Edit:

However, I noticed the mid market rate is actually higher than 13.3750
https://www.xe.com/currencyconverter/conver...From=TWD&To=MYR

so there is a chance, the rate may be revised at the money changer any time.

This post has been edited by laymank: Feb 12 2025, 01:37 PM

It's always good to have both, just in case.
Like what the other members has suggested, unless you are planning to go back Taiwan again, the small change like coins are not acceptable at money changers. So there is a chance that you save RM2 for using money changer but losing it at the coins you bring back (Taiwan currency has coins of amount 1, 5, 10, 50, which is equivalent to approx. RM0.13, RM0.68, RM1.37, RM6.80 respectively).

If you are traveling with a group, suggest to pool cash to pay, reduce chances of accumulating coins individually.

Personally, I would prefer least cash possible and use card for most expenses wherever possible.

Nope.