Philippines is very near to Malaysia so if you could carry cash.

Every trip a maximum of 10,000 USD without declaring to customs.

You can get better exchange rates if you exchange at the Indian money changers in MidValley.

Bank transfer rates sucks especially if the air ticket is cheap, you save a lot of money by bringing cash.

Depending on the amount you want to transfer, you can do partial bank transfer and partial cash.

This post has been edited by Arhat: May 30 2020, 10:18 PM

SG is so near, just bring cash if below 10k USD