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

Wise, cheaper and got more feature.

But I still keep my BP since got AA refund cases

can withdraw first 1k free iirc

This post has been edited by pisces88: Dec 11 2023, 04:54 PM

in the app u can direct deposit HKD into the card. pay in MYR direct convert to HKD. then go HK spend in HKD

thats so convenient
going to HK next year after cny

wise all the way. Bigpay has too many hidden charges

what kind of hidden charges did BP charge now? last time it used to be pretty good and transparent
but I went with wise anyway coz it has more currency that I need
loved using it and since now also got Apple Pay integration, I feel better about it

i used tng visa, bp and wise in previous trips

wise so far the best in terms of transparency and ease of use

if you are an iphone user u can straight away use the digital card for apple pay. no need to wait for a physical card to be sent to you

BP impose charges for top up using credit card.
Also, wise can put in apple wallet and google wallet. Quite convenient

Wise is better to use but when it comes to topup, bigpay win.

Don't need to talk about cc because wise don't support cc

But bigpay got duitnow transfer. Wise have to use FPX

Or can transfer to Morgan bank or something but takes time to reflect. Only FPX is instant.

nice. but due to our currency weak, need budget more huhu

so mean if i wanna go Thailand,
i can convert to Thai baht first ,
when i go there can direct use?

so everytime 1k withdraw will be free?

Yes, you can store the THB in wise and use there.

physical card just to use for ATM

or i store with MYR, and use it at store, will be direct convert to update exchange rate without fees?

no credit card?

Got fee. Doest matter you convert first or auto convert when you spend oversea, there will be a conversion fee.

good to know,
thanks!

Wise u can store foreign exchange when it's low..i.e. did save alot of jpy but still haven't spend it, air tix macam yahudi RM 3k+ if travel in next two weeks.

Used to love bigpay as reload thru credit card without charges, now charge 1 percent everytime if CC, beat the purpose of me using it as 'e-wallet' kind last time, still keeping it for occasional travel overseas and insurance monthly premium deduction

This post has been edited by AyamBlend: Dec 11 2023, 06:22 PM

so top up money to wise its free right?

So is WC good for japan trip? Last visit few years back pre pandemic, are they more digital now or still cash is the best?

Last time have to fly AA, need to use bigpay for the benefit. But yes, every month need to use bigpay or else got penalty rm5 or something

after pandemic, all about cashless,
but more go for e-wallet,
but yeah ofcos card also popular now

edit

This post has been edited by sckham: Dec 11 2023, 06:52 PM

one time 1k is free only. after that need pay a fee liao

yaya just saw that on the web

Not until u make a transaction

currently in HK. cant use my wise in some places like 7e and I am not sure whats the reason. No issue with bigpay. End up i just reload my octopus apps using wise.

how is this work?
octopus > wise

Rm5 penalty if card not active?

Hasn't happened to me tho

all 7-11 cant use? how about eateries? most of them accept Wise?

I use Wise in Japan, but these days they have atm fees
used to charge only third party fees

Not sure why u would want to topup a prepaid card using credit card.. lol

Less than 1000 MYR per month More than 1000 MYR per month
2 or less withdrawals Free 1.75% of the amount over 1000 MYR

3 or more withdrawals 5 MYR per withdrawal 5 MYR + 1.75% of amount over 1000 MYR



maybe this?

https://wise.com/my/pricing/card-fees?sourc...P&targetCcy=EUR

You can just leave it as MYR and it will auto convert at the current rate. As you see there is no TWD currency in WISE but it also can be used and converted to TWD when you use it in Taiwan locally.

Interesting, didnt know this one. But anyway to me wise withdrawal is still much cheaper than money changer.

Wise for me, go jepun no issues with ATM and merchants

Send money to card also fast and easy, exchange rate like xe.com

https://wise.com/my/pricing/card-fees?sourc...P&targetCcy=EUR

maybe its a new policy

Can u use pay wave overseas and local ?

i rmb its used to be free? or maybe im wrong. But nowadays they implement a lot of fees.

I wonder if use DuitNow overseas is cheaper ( th sg id etc )

Can use in Tw?

Been living in EU for a while now and Wise is freaking awesome for expats to avoid all exorbitant bank fees and processing time.

Wise has reasonable rate, fast and secure.

Sucks that they dont support TWD though.

this how they make money after more people use it

can. it will convert directly. only cannot buy TWD currency.

thanks guys!
u guys are very helpful so far,
just order my physical card,
will get in end of this month!
cheers to that!

easy to manage thru app, simple and easy.

apply the card for RM15 or use digital card/apple pay.

Physical card able to draw any cash at any atm for free (2times) and 3rd time will be some charges but its reasonable

just apply for the card,
so do i need activate if i wanna use oversea?

yes please read term and condition when u received the card , only 4 digits pin .

try make transaction in malaysia first before u spend oversea

thanks!

Maybe explore Wise or get a conventional bank credit card.
Can't recommend Bigpay, some retailers cant accept, I dont know the reasons.

bigpay = air asia big no

paywave is visa can lah

china not sure can use visa

few year back use bigpay in Thailand ATM,
doesnt work

Any yearly fee for the physical card?

one time pay rm13.70 only

This is my experience with Wise.

Contactless 90%, if not 100%, of the time doesn't work when I was overseas.

To solve this issue, I put it into my Google Wallet instead and never wave my physical Wise card.

may I know how to do that?
just select other bank?

but can still use pin

so same account u can use as physical and e-wallet?

FPX Banking/Transfer

If like that, why still need contactless? It's because contactless is more convenient.

Yes. Sometime I don't even bother to bring along my physical card

wise use is for the better exchange rates

oh thats good to know,
thanks

Doesn't matter physical or contactless, Wise exchange rate for both are the same. Wise doesn't give you better exchange rate just because you use physical card

oh i see what u mean just use it like apple pay

Why not use TnG ewallet? They have alipay you can use in money countries. Good rate also for Thai Baht.

Wi try it next month

Yup. True.
I used last week there.
Rm1 = 7.466baht

This post has been edited by vhs1: Dec 14 2023, 01:22 AM

Some places cannot lepas. If ayam mistaken the shops must support Alipay+ (Alipay no plus cannot lepas).

Good thing about TnG ewallet is you can use it to pay BTS tickets at the kiosks.

So must use alipay?

top up using CC 1%

Cross border charge 1.5%

Might as well use CC since the charge is about the same

topup on the go, convenient

This is wise?

yaya. topup via bank account

You scan the merchant QR. Alipay+ auto pop up.
Their Individual /personal account can't