I use wise on a regular basis. Sending money through wise is pretty straightforward, all you need to know is your friend’s reference number, this is the number you’ll need to enter in wise.

The process of sending money in wise in general starts by clicking on “send”, then add the recipient (reference number or email), how much the recipient will get in usd (it’ll automatically calculate the amount in RM for you), then wise will ask you the purpose of the transaction (I usually will put for goods and services), then you’ll need to transfer the amount of money in RM (FPX is usually the cheapest option), then you hit send.

The recipient needs to have a wise account also, and then he can withdraw the money through his bank account.



My friend is in the US, I’ve been transferring him money through wise since the days of pkp.

The recipient doesnt need to have wise account. You can transfer from your wise account to the recipient’s normal US bank account via ACH as it’s cheaper.