So scare then buy crypto lo

Small money, no issue.

Dont convert to crypto crap, later taxable.

U can send SGD to SGD or USD or direct MYR account.

open FCA also hassle geh. need minimum amount to open, after open, usually got maintenance fee, etc. you check it out, you know what i mean.

Just ask the sender send to your bank account in RM.

avenues such as instarem charges lower fees should be considered. Bigpay also exist in singapore right but bigpay macam big amount tak boleh la. so maybe instarem ba.

do explore... it's 2021

Just do multiple transaction. I think singx have the better rates.

As long as you have proof where the fund came from no problem with them query. I kena query for transferring MYR to SGD using fintech and I provide them proof and issue settle.

Dont over think ba. Unless suspicious, might query but cant hold your fund. 200k ba. Not 2mil. 200k not small amount but it's not alot in the grand scheme of things.

As for me, semi active user of instarem. I believe a noticeable population on the forum are. There was a thread on this, mostly on transferring from my to sg la.

If got better avenues aside from instarem, i also dont mind getting to know more.

As long as you have proof where the fund came from no problem with them query. I kena query for transferring MYR to SGD using fintech and I provide them proof and issue settle.

I am not sure about instarem sg rates. For me instarem Malaysia rates is lousy. Use to be good. But change already. Never use them anymore.

Shop around. The products I provide some give you rates on the front page so you don't need to make account. Just key in and see the one with the most RM received.

As long as licensed by respective central bank, no problem. Use banks if you like to give banks free money. I don't give banks free money.

You need sg phone number to open. No sg phone number = no go. I think.

If you don't want singx go with  TransferWise. Everything online. Application also fast. Transfer also instant.

If want to waste good money be my guest. Before you click transfer, so check out the savings you get from OCBC Vs those fintech I mentioned. You will be surprised how much you save. How I know? I did the same with DBS just for the fun to see much free money banks earn.

I always buy SGD. Probably TS can consider to swap with me so both of us have mutual benefits.

You need sg phone number to open. No sg phone number = no go. I think.

Never look at fees. Always see the amount of final currency you will received.