For oversea use,
What the best to use now?
I heard wise nice and low fee to use,
Any sugguestion?

Bp = aa

Refund mana

Wise all the way

Bigpay this charges that charges.

I don't use anymore

im going hk soon

money changer 10 hkd= 6.09 rate, WISE 6.015

but i still bring cash, in case some places dun take card

Use Wise as BigPay currently has a lot of charges that makes it not worth it,

Wise as it is transparent, the conversion rates and fees are shown.

the soon coming GX Bank debit card is also a good card to use, just get an account now and sign up for the card when it launches.

Just came back from Australia, i would recomd Wise. Never got my payment reject as long u has credit in it.

u can reload anytime u want via online banking, easy!

Going to use Wise at VN. Hopefully accept.

but alot food vendors dont take card though. so cash is a must

u can withdraw from local ATM but some charges applied.

So how u apply wise?
Thru app or online?

just register for both
both got advantage, can be flexible. but wise is suitable for overseas travelling

in the sense of overseas online purchase e.g. amazon, sometimes wise is better while sometimes bigpay is better. this is because bigpay has a pretty uncertain exchange rate (it doesn't exactly follow market rate and can charge u higher than the exchange rate), but wise follows the exchange rate something like hourly, though while imposing an additional conversion fee.

This post has been edited by lolzcalvin: Dec 11 2023, 04:24 PM

Apps. Then can setup as apple pay is you use iphone. Or wait 2 weeks for the physical card.

I pefer physical card as incase j need wihtdraw from ATM

So basiclly,
Wise card just like other debit card,
Can use to swipe and also atm,
And the app will show current exchange rate,
And manage eveeything thru app?
Any annual fee for that?

do you just put ringgit into wise and then
when go to HK just use it as if?

And manage it thru app?
Sinple and easy?

i'd recommend wise too.

went SA recently and the rate is really good when compared to normal money exchange.

money exchange R100 = RM28
wise rate R100 = RM25

Wise allow you to open multiple foreign currency account

Just open one for HKD and convert your MYR to HKD

But I'm not sure if leaving it as MYR would work also, maybe it will auto convert when you use

Wise all the way. You can even withdraw money from certain ATMs without ATM fees (RM1000 limit) . In Germany it was sparkasse. Other country you need to do research

This post has been edited by Dweller: Dec 11 2023, 04:45 PM

If you put ringgit, it will auto convert when you use it in HK (follow the latest rate).

Or if you think the rate is good now, you can convert it to HKD first before going to HK (lock the current rate).

This post has been edited by poweredbydiscuz: Dec 11 2023, 04:49 PM