Very good if you travel and use alot of different currency.
Its an app that you can load MYR into, and then change to different currencies. For example I put in MYR 1000, then when the market rates are good (their service fee is very very reasonable) I change to 100 USD and 100 EUR.

How to use that 100 USD and 100 EUR?

1) Apply for physical debit card, this card you can use overseas. If you go Europe and use it, it'll deduct from your EUR balance. If you use in US, then it'll deduct from US balance
2) Apply for virtual credit card, you can use this card for online purchases, depends on currency charged it will deduct from the respective balance you have
3) Transfer to overseas accounts. You can also receive payments in foreign currencies (you will get multiple bank account numbers that you can give to others to receive money into).

Its really flexible, and is basically the best card I'm using now for overseas or online foreign currency payments.

Edit: Wise is licensed and regulated in Malaysia. PM me if you want a referral code

is it better to have WISE for oversea trip while bigpay use locally / international purchase?

Malaysia support Wise debit now? A while ago I thought they don’t allow registration for debit card outside of US and EU and maybe Aus

Using credit card while traveling overseas will reduce hassle, but the usage transfer rate ?

CIMB/MBB is  1 % additional charge
Then transfer rate?  about 1 % more above standard rate?
Visa convertion rate:
1000 EUR = RM4837

Google Rate
1,000 Eur = RM4,708

Maybank rate
1,000 =     RM4,787

So if using card  for 1k Euro you end up paying:

=RM4837
+ 1% = 48.37
= 4885

If change locally, the different will be:

RM4885 - RM4708. = RM173 difference

Betul?

Locally I use local cards that give cashback
Overseas trip I use Wise exclusively for my own purchases, if under company then I use a card that gives me points

International purchases (for personal use) I mainly use Wise because of the savings in conversion. I also sometime use Wise to do international TT (TT to European banks from my experience is FOC) for certain purchases (like FB marketplace)

No Bigpay don't have that. What I use to like about BP is their low exchange rates fees, but the major difference is you only convert to the foreign currency at point of use.
Wise allows you to change at any time, so for example when EUR dropped to 4.5, i converted MYR to EUR and kept it because I knew I will be using it in future.

Its like changing physical cash to keep, but within the Wise account. Bigpay wont allow you to do that cause you can only hold MYR inside bigpay

Can travel to euro but KPKB about RM170+?

Thanks bro, very well explained
Haiyo, if 10k euro = RM1700
Ayam can co obersea many times more by otak smart .

That money saved can go Hanoi, jumpa long legged Vietmoi.

Very good if you travel and use alot of different currency.
Its an app that you can load MYR into, and then change to different currencies. For example I put in MYR 1000, then when the market rates are good (their service fee is very very reasonable) I change to 100 USD and 100 EUR.

How to use that 100 USD and 100 EUR?

1) Apply for physical debit card, this card you can use overseas. If you go Europe and use it, it'll deduct from your EUR balance. If you use in US, then it'll deduct from US balance
2) Apply for virtual credit card, you can use this card for online purchases, depends on currency charged it will deduct from the respective balance you have
3) Transfer to overseas accounts. You can also receive payments in foreign currencies (you will get multiple bank account numbers that you can give to others to receive money into).

Its really flexible, and is basically the best card I'm using now for overseas or online foreign currency payments.

Edit: Wise is licensed and regulated in Malaysia. PM me if you want a referral code

Hi Bro, i am quite a noob about wise and just got my card.

Since you’re wise about wise, could you help me.

If i am traveling to the UK, should i top up my MYR account then convert/transfer to the UK account? Or i could just top up my UK account?

Thanks in advance

If you can afford to splash 10k EURO in a trip, you can afford the measly RM1.7k

So stop sembang kencang

Take note you cannot keep more than rm20k (and any currency equivalent to rm20k) in your Wise account due to Malaysian gov requirements. Wise will lock your account once you do that

Ypu mean one time max, or finish can always topup but not more 20K?

I always swipe my cc when I travel abroad and withdraw a bit of cash. Balik Malaysia bayar balik. Surprisingly conversion rates is quite cheap for Citi cards.

Very good if you travel and use alot of different currency.
Its an app that you can load MYR into, and then change to different currencies. For example I put in MYR 1000, then when the market rates are good (their service fee is very very reasonable) I change to 100 USD and 100 EUR.

How to use that 100 USD and 100 EUR?

1) Apply for physical debit card, this card you can use overseas. If you go Europe and use it, it'll deduct from your EUR balance. If you use in US, then it'll deduct from US balance
2) Apply for virtual credit card, you can use this card for online purchases, depends on currency charged it will deduct from the respective balance you have
3) Transfer to overseas accounts. You can also receive payments in foreign currencies (you will get multiple bank account numbers that you can give to others to receive money into).

Its really flexible, and is basically the best card I'm using now for overseas or online foreign currency payments.

Edit: Wise is licensed and regulated in Malaysia. PM me if you want a referral code

Top up in MYR now into the MYR account, and you can decide to convert from MYR to GBP within the app whenever you are ready to spend in GBP
Then you will see the converted GBP appear in the app

You don't top up into your UK account per se (if you are using a Wise account opened in Malaysia)