Hey guys, I'm travelling to Australia next month. I plan to bring Cash around 1k AUD for 8 days if I'm short in cash i will be using Wise Digital Card.

Any advice? Should i just Change 1.5k Australia Dollars or just rely on Wise will do but they have small surcharge for converting.


Sekian muaks

Changing to aud at moneychanger pun kena rugi on exchange rate spread, kan?

And if you don't finish using and you want to change back, rugi again.

And there's issue with security when carrying too much cash.

Just a matter of preference. Personally I will use card as it's more convenient and safer. In Australia even small and remote towns also can accept cards.

i dont carry any cash at all whenever i'm down under

Not sure how the Australian Border Force screens Malaysians because there are the bad ones who ruined the reputation by overstaying their visa's, etc....

I heard they would want a daily itinerary and proof of funds to cover the cost of stay when you're there

This post has been edited by moonsatelite: Oct 6 2023, 10:42 AM

fair point there sir, looks like Wise is a great idea to start with.

Agree, I believe they are mature in e-wallet it will be more easier for me. Just topup my Wise wallet whenever i need.

My Visa already approved, should be no problem and i will be travelling alone 1k AUD in cash should be suffice?

You can store balance in AUD in Wise account, at any time with the exchange rate you deem good from now to the date of your travel.

So using WISE is really a no brainer, since it also offers good rates

I've use WISE to go for Taiwan trip some months ago, and just by using WISE i saved ~RM50 compared to credit card / local money exchanger rates

This post has been edited by viktorherald: Oct 6 2023, 10:47 AM

almost everywhere accept card.
your got wise digital credit card can already....



bring credit card as well, else border security might ask you how you going to pay for everything

Its my first time using Wise actually. In Malaysia i dont carry cash with me at all, just because its my first time in Melbourne and i will be travelling alone just wanna be safe if Digital payment is mature there

Most of smaller retailers there charge credit card fees if you use card to pay.

even with Wise?

Hi Sifu,

How we top up or transfer money to Wise acct? Bank transfer or Credit card funding like those touch n go?

Bank transfer or FPX, either from local or overseas banks. No cc transfer allowed.

i think they have alot of currency to choose, if im not wrong u have to topup MYR then do the conversion

Wise is a visa card so yes.

just use any credit card you are fine

my advise dont bring cash at all overseas

8 days and AUD $1,000 hmm.... You'll have to gauge yourself how cheap living in Malaysia is, traveling to Europe, America's, Oceania's, just stepping out your door, you'll have to spend USD $10 at least, be it transportation, food, etc...

People living in the mentioned regions often cook and eat at home.

Also, there's always this quote mentioned on all visa forms, "Visa approval does not guarantee entry into (Country's name), entry is subjected to immigration approval"

You can try top up a MYR in WIse account, and do a small swipe there and see how it goes

in my experience, it just charge the exchange rate listed in the app +1% and thats it



This post has been edited by viktorherald: Oct 6 2023, 11:14 AM

He's talking about Australia.

yeah i mean i dont see any CC network charges in here

This is what i saw on the WISE pricing website
https://wise.com/my/pricing/card-fees?sourc...R&targetCcy=AUD


seems like the fees is just 0.6%, which is way lower than CC network + exorbitant bank FX rate

This post has been edited by viktorherald: Oct 6 2023, 11:17 AM