I tried to find an article or circulation for this but I cannot find it, is this even true?

Lads & Lasses, can I confirm that Wise has issued us Wise account holders a unique bank account number via J.P Morgan? Because it just says Wise Payments Malaysia when one is performing a DuitNow a.k.a Instant Transfer to it. I like the anonymity that one can receive funds without exposing their real name.

Used to be able to have anonymity via Bank of China (Malaysia) because they only support IBG (Inter-bank GIRO), but now, they started support DuitNow via account number, oh well.

This post has been edited by moonsatelite: Feb 17 2022, 03:14 PM

I just thought i'd share this, of hearing the amount of fails when performing contactless transactions with the Wise card, i decided to try it out on this vending machine and it worked, surprisingly.

This post has been edited by moonsatelite: Mar 29 2023, 08:52 AM


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Ming Ban is not a Middle name, he should put Vincent Ming Ban as the First Name and Tan as the Last Name, Malaysians don't really have middle names

Its a weird fact that Legal Identification documents don't state First Name and Last Name in Malaysia unlike other countries.

NRIC, just states the name, no clarification between First and Last Name

Malaysian Passport, just states the name, no clarification between First and Last Name

Driving License, just states the name, no clarification between First and Last Name

not really helpful when Malaysians come across legal documents that are required to be filled in overseas

If you've bought 100USD for RM450, it will be locked at that rate. It won't suddenly change to a worst rate of RM4.90 per $1 USD. Its like going to a money changer, you exchange the currency and that's it, you've locked the amount.

Just sharing, i created a virtual card on Wise by changing the region to the UK and added it to Apple Pay, used the virtual card to pay in Malaysia, Sweden and Finland at 100% success rate.

But i heard that is not a favorable workaround.

I just noticed, they removed PayNow (Singapore's DuitNow equivalent) from Wise. Wondering why? It was useful when it was there

Don't fall for that, it is very clear that if you deposit money via credit cards into Wise, you will be hit with the 18% Cash Advance and RM50 cash advance fee.

good security measure

i have checked, it now costs money to send SGD that's in the balance to external bank accounts via FAST, not free anymore

free, use UOB ATM's or Maybank ATM's (harder to find)

do not use OCBC nor DBS/ POSB ATM's, they charge $5 - $8 SGD per withdrawal

i saw that you have already opened a Singapore bank account, why not use their debit card from the bank you applied for or you have yet to obtain the debit card

Edit: if you are withdrawing with a Malaysian debit card or any non Singaporean debit card, please choose "Decline Conversion"

UOB offers their own conversion which is SGD $50 for MYR 182.50

i performed a withdraw via GXBank Debit Card, SGD $50 for MYR 177 or MYR 175.80, performed ATM withdrawals on 2 separate days

This post has been edited by moonsatelite: Apr 17 2024, 12:49 PM

CIMB SG once has 1 branch and 1 ATM in the whole of Singapore, not worth traveling all the way to Raffles Place to perform a cash withdrawal.

Plus, CIMB SG's card is an ATM card, not a debit card and you cannot pay for anything with it, you're better off opening OCBC SG or Maybank SG

also, you said "leceh" which i understand and hence why i use my GXBank debit card to perform cash withdrawals here and decided not to visit any money changers in Malaysia to get Singapore Dollars, stupid policy changes and being a smart ass as if it would solve/ change anything.

This post has been edited by moonsatelite: Apr 17 2024, 12:59 PM

why the hell is that needed when previously you can exchange currencies without questions asked for amounts below MYR 2,500

my opinion is that even if you managed to visit their office, you will not get any resolution, get shoo-ed away and be asked to go through their proper channels via contacting Customer Service support.

Did you keep the fund transfer receipt? if yes, file a complaint for missing funds/ funds not reflected into your account, provide a copy of the fund transfer payment advice and get a case id, if the issue is still not resolved, file a complaint with BNM.

Thats the proper way

i think the limits of ATM Cash withdrawals is put to the maximum limit you set in the GXBank 'card' > 'limit' section

like i mentioned, no extra charges for UOB or Maybank SG ATM cash withdrawals

the trick is to put the currencies that you stored in Wise for future use in Jars instead of those live accounts, Jars are not touched.

short answer, no

short answer, get a physical card

long answer, if you have a digital only card, you can't fallback to chip insertion for payment if the contactless payment method fails. At least with a physical card, you can insert the card and sign or enter the 4 digit pin

still valid