4. Open Sunway Money https://sunwaymoney.com/
5.Once you have CIMB SG and Sunway Money opened, then  only you opened Interactive Broker (IBKR)
https://www.interactivebrokers.com/
6. To fund your IBKR use Sunway money to transfer RM to SGD and deposit it into your CIMB SG account. Do not use any Malaysian bank to transfer your RM.
7. Then use the CIMB SG to send SGD into IBKR using Fast transfer (SG version of Duitnow). It's instant. You will be given a virtual bank account number that is unique to you via IBKR.
8. Convert the SGD into GBP or USD