I suggest apply rhb multi currency card better. Secure and no limit storage. Anything happen jz go back to rhb settle. Some more rate is better . Only con is Rm20 annual fee.

If I remember correctly about 2.5% or thereabout

I'm planning on getting a Wise card for online purchases since they have the Virtual Credit Card feature. Was wondering if there are any fees for topping up the card and also transferring the unused MYR back into your bank account?

I think Wise charge RM 1.06 for any transaction to local bank, that's what he meant maybe.

I was charged too.

RM1,200 transferred back to my bank for a deal that didn't go through...

Actually can try at any ATM and see the charges to be imposed on screen, without having to actually withdraw... I don't have RM funds left in my Wise card, so I can't check for now.

I'm also curious if the banks will charge Visa network withdrawal fees, since the card isn't on MEPS. Even on MEPS the bank would charge RM1 unless it's their own bank card.

When I withdrew overseas in the foreign country's ATM, e.g. withdrawing VND from my Wise VND account, at a Vietnam bank's ATM, Wise didn't charge any fees, but the bank itself charged a fee for using their ATM, which if I recall was quite high.

Guys, just tested contactless at 7-11 in IPC. It works!

When I tried it like over a year ago somewhere else, it didn't work.

I am wondering is it because of balance in card? Last time I have less than RM100. Today I have over RM250. Please test with a higher balance.

I am going to some other shops later to try.

Update:
Tried 2 food shop, failed Wave. PIN ok.

What i can observe:
1. Failed contactless shops use those Android full touch screen payment terminal. One is a White color one...i think it' the older SunMi model..last time i was involved in some projects using this. Another one looks strangely like an Android phone slapped onto an add on but i can't be sure, basically also full touch screen device.

2. The one at 7-11 (which works with contactless) was those old school type keypad with small lcd screen display terminal.

Next time when you try, take note of the payment terminals and share here.

Yes, this probably. I am going to load in some SGD and try it in Singapore coming CNY.

Tried 3 more places today...none of them.works.

Seems like only 7-11 can use WISE contactless.

Just now went to a Pharmacy...I think it use HLB machine...since reciept.came out got HLB logo. Won't work either.

I remember it's White machine.

Means the bank, enable on some devices and disable on some devices???

I checked my wise balance in ATM , apparently I should have MYR but on the ATM it seems to be showing GBP amount and Maybank ATM warns that charges apply for non-maybank card cash withdrawal.

So the no fees on wise typically has fees as well

Oh, I see. Does this means I can say, receive SGD 50k from my Singapore CIMB bank? And then send from the JP Morgan the SGD 50k and convert it to RM to send to my local Maybank? Can I do it the other way from JP Morgan to the Singapore Bank as well?

if money in wise account (any currency) transfer to local malaysia bank account got any charges other than the currency conversation fee?

understand, will bank notify if there is large amount inbound to local bank? whats the limit again before bank trigger

if transfer from own wise account to own local bank account will definitely not trigger? i remember there is like 10k then bank will call you

do you have the list of bank recipient fee?

No need for your aunt to trouble. Transfer of Euro within EU is free. 

You sign up for a Wise account, then open a WISE Euro account. Give the details of you Wise Euro account to your aunt, mainly the IBAN number. Then you'll receive the full amount of Euro in your Wise Euro account.  After that, you can transfer the money from your Wise Euro account to a local Malaysian bank, with the conversion rate and fees charged by Wise (which is typically cheaper than banks). The app will clearly show much fees and conversion rate, and the amount of MYR you will receive - there is no additional charges imposed by banks.

I tried the ATM today:

CIMB (or Ambank...can't remember....same color!) - I check Balance and get a big fat zero for Balance and Withdrawal limit.

Maybank - Balance RM 1,5xx . Cannot understand. My RM only got RM 1xx..add SGD also less than RM600. USD , GBP, Euro very little, not worth mention. Only got lots of Yen inside.

How they get this RM 1,5xx figure? Also Wise app shows an RM 0 transaction each time I check.

even if source of fund is legit, there are definitely threshold to hit before anything delay or frozen happen. this is best to avoid before it happen. sometimes a frozen account is not recover forever. fund will stuck there, who knows goes to whos pocket.

the smaller amount is how many? im asking if anyone know the threshold of the smaller amount. 20k? 25k? 40k? or 50k?

guys im traveling abroad and looking for best card to spend oversea, like hotel, dinning, shopping etc.
currently the choices are Wise, Big Pay, T&G Visa. Which one is your choice and why?

SCB Jumpstart debit card is the best, FX rate much better than even bigpay. https://www.sc.com/my/saadiq/deposits/jumpstart/

Don't use wise, stupid card, cannot use wave all the time. 

Err. It is 0%. I'm using it. U can calculate the exchange rate