open gxbank app > bell icon > scroll to 26 apr 2025 (all notifications).

This post has been edited by CyberKewl: May 18 2025, 08:42 AM

Another alternative is, if your friend has an online banking apps, you can also do cross border QR payments as well.

When in Singapore, launch the Malaysian banking app (e.g. Maybank MAE or Public Bank MyPB), look for Scan QR and scan the merchant's QR as usual, enter the amount in SGD, then you'll see the exchange rate on the spot (including the actual balance being deducted in RM), then confirm the payment.

So far I notice, the exchange rate appears the same as what you see on Google. Do note that not all Malaysian banks supports Cross Border QR payments. I personally tested out Maybank MAE and Public Bank, it works fine.
https://www.duitnow.my/Cross-Border/index.html

Another thing to take note is, avoid using TnG ewallet as they're now using Alipay+ network for non-Malaysian QR payments where the exchange rate will follow Alipay+'s rate, and most of time I see it is more expensive than what you see on Mastercard/Visa/the one you check on Google.

This post has been edited by joshhd: May 21 2025, 01:25 PM

yes. confirmed Alipay+ on TNG is more expensive. tested at Thailand

If travel to Thailand, which payment method best to use? Tng ewallet better than gxbank card than wise card?

1. gxbank
2. wise
3. tng - last (high rate)-tested when i'm there last 2 week

gxbank losing ground. Aeon bank now offered atm free withdrawal till dec 2025 (no fees-local only)

This post has been edited by ericlaiys: May 21 2025, 08:40 PM

GX bank still allows 1 FOC withdrawal monthly

There's no short answer for this. It depends on the merchant.

For places that accepts card payments (e.g. 7-Eleven, convenient stores), use GX Bank card since the exchange rate uses Mastercard 0% bank fees rate.
Meanwhile for Wise card, it's usually more expensive than Mastercard 0% rate, but you can still bring your Wise card as a backup.

For places that accepts QR payments (does not accept card payments):

If it is YOU scan their PromptPay QR code (e.g. street food stalls, food court), then I recommend using the banking apps of Malaysian banks you have accounts with, as long as they support Cross Border QR.
The notable examples are Maybank MAE, Public Bank MyPB, CIMB OCTO, etc.
IMPORTANT: It must be a Business merchant QR. Personal QR (e.g. you transfer money to your Thai friend) will not work.

If it is THEY scan your QR code (e.g. 7-Eleven, convenient stores), then just use TnG ewallet (where the payment network will be under Alipay+, which is usually more expensive exchange rate compared Mastercard/Visa/the one you check on Google.

Worse come to worse, use cash. Look for money changer.
Or alternatively, you can insert your GX Bank card to Thailand bank ATMs to withdraw cash. The exchange rate will be the same as Mastercard 0%.
If you use Wise card to withdraw cash, then it will deduct THB balance first. If your Wise doesn't have THB balance, then Wise will convert it for you from whatever currencies you have; and it'll follow Wise's own exchange rate.
Whichever card you use, remember to select option that withdraw as local currency on the ATM machine.
https://wise.com/help/articles/2935769/how-...th-my-wise-card
https://wise.com/help/articles/2977949/an-a...ng-my-wise-card
When you try to withdraw cash in ATM overseas, some bank (not all of the banks) may charge additional service fee, which it will stated on the ATM's screen before you confirm to withdraw.

This post has been edited by joshhd: May 21 2025, 10:18 PM

hi all, im going shanghai China soon.

dont plan to change much cash. Fully using GX bank card is it ok? or need to change more cash?

heard that Alipay and tng got charges / more expensive.

heard also visa and master credit card not user friendly there.

thank you

China need change cash. Alipay can use n exhange rate quite ok. No peer to peer though. Better use weixin pay also. No money changer in China at leasr to my knowledge. Credit card not friendly there.

can link yr gx card to alipay or wechatpay. any transactions below or equal to CNY200 is 0% processing fee from alipay / wechatpay. very convenience cos can use everywhere

This post has been edited by STEVE75: May 23 2025, 01:27 PM

ok thank you!!

Most of the places don't accept Visa/Mastercard. They prefer Unionpay card / Unionpay QR / Alipay / WeChat Pay.

U need Alipay and/oe Weixin pay also for small small things and transportation. Just remember to do full verification before leaving for China.

Do take note that many shops there don't accept Visa/Mastercard cards even if the shop has a card payment machine. Even if does, make sure the merchant charges you their local currency (CNY) rather than they convert to MYR for you.
If you let them convert to your home currency (MYR), the FX rates will become more expensive and not worth it.
Also, do double check if the merchant doesn't impose any additional service charge.

QR payments are widely accepted there. Do install Alipay app, and sign up for an account. As for the payment method, pair it with your GX Bank card. If you have Wise card, do pair it too as a backup.

If each transaction costs CNY 200 and above, Alipay will impose 3% service charge. To avoid that 3% charge, make sure the amount is CNY 199.99 or less. This also applies to WeChat Pay (Weixin Pay).

You can also insert your GX Bank card to any China ATMs to withdraw cash. The FX rates will follow Mastercard 0% rate.
As far as I know, China ATMs won't charge you additional fees unlike most countries that tend to impose additional charges due to an overseas issued card.
You can select Chinese or English language interface on the ATM there, so don't worry even if you can't read Chinese.

Alipay will link to my mastercard. so is ok right?

What will be the passcode for ATM? my GX bank code?

Can direct use GX bank without pair pair with Alipay?

banana like me only depends on Alipay.

thinking of changing more cash in shanghai (major city should be ok * cross fingers**)

I went Yunnan before, gosh.... all cashless. my cash worthless and they dun accept.

now aeon bank unlimited till dec

What will be the passcode for ATM? my GX bank code?
Yes, enter the same 6 digits PIN of your GX Bank card.
On the China's ATM, you select the CNY amount you want to withdraw, once you got your cash, you'll see your GX Bank's balance has deducted in MYR. Pretty straightforward.
The withdrawal limit is the same as your GX Bank's transaction limit settings.
https://help.gxbank.my/Personal%2F%2Fcards/..._the_GX_Card%3F

Can direct use GX bank without pair pair with Alipay?
Technically you can.
But don't be surprised if you see many shops there (e.g. restaurants, convenient stores, boutique stores) don't even have a card payment machine.
And even if there is, they may only accept UnionPay cards but not Visa/Mastercard cards.
But of course, if you so happen to see a Visa and Mastercard logo sticker/labels around the cashier, then you can be rest assured.

GX Bank card uses Mastercard payment network.
So, as long that merchant accepts Mastercard card payment, then it should work just like any other Mastercard cards you have from other banks.
If you see a card payment machine on the cashier, you can just try and use your GX Bank card and wave it onto the payment machine to see if the transaction went through.
It may feels like a hit-and-miss thing, so do manage your expectation.

If you have other overseas-travel-friendly debit cards such as Wise card or TnG Visa card, it's a great idea to also bring it along as a backup. Don't rely 100% on GX Bank card only.

Even if that shop accepts cash, they may not have small change if you pay in larger bills.
Yes, China really embraces cashless payments till that extent.