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

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!

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).

can withdraw first 1k free iirc

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

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

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

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

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?

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

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.

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

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

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