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

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

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

I heard wise if you go diff countries, you will need diff currency.  I find bigpay better as I keep my money in myr n convert to which currency I need.  I heard that for wise, once you buy yen, it keep yen, then you buy USD, if keep USD, etc.