Curious if anyone did a comparison before on which funding method below is more cost effective (based on the final received USD amount). Assuming funding amount is like RM20k.

#1.
- Local bank -> Sunway Money (MYR -> MYR)
- Sunway Money -> CIMB SG (MYR -> SGD)
- CIMB SG -> IBKR (SGD -> SGD)
- IBKR internal exchange (SGD -> USD)

#2.
- Local bank -> Wise (MYR -> MYR)
- Wise -> IBKR (MYR -> USD)