SG any day.... Might be your best decision ever

Something to take note as well is in SG, most senior nonC-Suite salary is around SGD 15k to 25k unless you are in special roles.

In Malaysia, can go from 20k to 50k. Bonuses in Malaysia is also typically better in terms of multiplier. At this level, I personally prefer to be in Malaysia as life here is less stressful.

Most people who goes to SG will not see such fast salary growth. But I have seen some that shine as well, really depends on individual. For you, I suggest that you go if you intend to make it work with gf. Just go and try it out, and then if things don't work out, can always come back. It is easier to come back than to go to SG once your salary goes above RM 10k as you will likely not be willing to take the lifestyle hit.

Also depends on which area of banking are you doing? If you can give me broad description, I can give better advice.

If u hv a big house and big car here, then stay. I dont think u will like taking public transport … also also sana punya working style different.

This post has been edited by LDP: Aug 23 2025, 03:21 PM

Thanks for the advice. I am specialized in credit card, specifically as a programmer.

Still young. Of course, go for the money and pusi...got water face summore

Can gain extra Star ✨ after being cop verified as PR in Singapore

After Singapore, try to get higher by going to Oz... You'll gain double Star and probably new pusi

Why waste time in Boleh Land where bandits ,idiots and monkeys live

This post has been edited by boyboycute: Aug 23 2025, 03:35 PM

Need more money sg lo.

20% is usually when you are promoted. Typically 5%-10% for FinTech MNC. 10% also means you are really outstanding.
You are right about comfort zone. Suggest tahan long enough to get PR so that you are not held at ransom. SG is banking heavily on banking/fintech.
However, a caution is to settle down, can be pricey as HDB are getting more expensive, month by month. However, the amount you bring back eventually to MY, will be a lot if you work hard / smart.. To put in perspective, with combine salary of just $30K/mth, you are drawing RM1M/year in salary. This is quite achievable in banking/fintech space. However, likely by then, you would have changed your nationality..

This post has been edited by gnc88: Aug 23 2025, 04:11 PM

Take counter offer rm 10k

Sg 5.8k in singapork is nothing after minus off ur accomodation and food etc. Its like earning 5.8k in malaysia. Unless u willing sacrifice ur time and health travel everyday to jb.

No brainer, take my 10k counter offer.

Join the M’sia bank but ask to work out of JB branch if have. Nearer to your GF.

I voted for ts to stay

10k in Malaysia, saving on rental

Already a good deal.

With career prospects in Management level

Career for guy is important
You go SGD5k salary is nothing wokay after minus rent

You can always fly SG or she fly to u for LTR
If love is strong 💪
You must able to provide financial stability prove to her

Girl like alpha male in Management

edited double post

This post has been edited by Mr.Robert: Aug 23 2025, 05:34 PM

Accomodation in singapore is expensive

1 masterbed room in singapore vs whole condo to yourself in malaysia

can't own your own place until many years later means a lot of the extra money earned is used for rent

I had the same dilemma before. stayed in malaysia and moved to europe eventually

Stay in Malaysia for sure.

$5k is not great at all.

RM10k in Malaysia is quite comfortable. Better build up career and seniority in Malaysia first.

How is your life in Europe now?

$5k is actually nothing in SG

Dream come true. You can see where I work and travel here:

https://forum.lowyat.net/index.php?showtopic=5403291&hl=

https://forum.lowyat.net/index.php?showtopic=5426670&hl=

https://forum.lowyat.net/index.php?showtopic=5468704&hl=

https://forum.lowyat.net/index.php?showtopic=5395991&hl=

Look at annual compensation. With the counter offer, you are getting 150-180k. SG offer is 78k SGD, which is less than 50% dollar to dollar. Normally people will move from MY to SG for 60-80% dollar to dollar.

You should do your own calculation to include employer EPF and LHDN tax compared to no CPF and lower IRAS tax. Include also rental cost and generally higher cost of living. The reason is because 5.8k sgd is quite low, your disposable income is gonna be quite little. If you are comparing 20k MYR vs 10k SGD, it would be a different story.

This post has been edited by jaapers: Aug 23 2025, 06:40 PM

I tot IT fresh grad starting pay in SG is already sgd4500.

more work life balance in SG?

I guess that's just more than the hectic job at SG. Probably still considered hectic by malaysian.