Free RM100*Sign up via referral link — first transfer free · mid-market rate · no hidden fees · send to 160+ countries
Get First Transfer Free →Referral Code
yingo29
Bonus
First transfer free
Exchange Rate
Mid-market (no markup)
Regulated By
BNM Malaysia
Real exchange rate, no hidden fees. The card Malaysians use when travelling abroad.
Used by 12M+ people worldwide • Licensed by BNM under MSBA 2011
Sign Up via Referral Link
Click the button above — the referral is linked automatically. Register with email or phone number.
Verify Identity
Upload your MyKad photos and take a selfie. Verification usually completes within 1–2 business days.
Choose Currency & Amount
Select MYR → USD/GBP/AUD/etc. Wise shows the exact mid-market rate and fee upfront before you send.
Enter Recipient Details
Recipient's full name and overseas bank account number or IBAN.
Pay & Send
Pay via FPX or bank transfer. Money arrives in minutes to 1 business day at the best available rate.
| Scenario | Bank TT | Wise |
|---|---|---|
| Send RM1,000 to UK (GBP) | ~RM50 extra (fee + spread) | ~RM8–12 fee only |
| Send RM5,000 to Australia (AUD) | ~RM130 extra | ~RM25–40 fee only |
| Send RM10,000 to USA (USD) | ~RM230 extra | ~RM45–70 fee only |
| Pay overseas tuition RM50,000 | ~RM1,030+ (fee + spread) | ~RM200–350 fee only |
*Estimates based on typical bank rates. Actual savings vary by amount and bank.
| Service | Rate | Fee | Speed |
|---|---|---|---|
| Wise (referral link) | Mid-market | 0.4–1% | Minutes–1 day |
| Instarem (wn2gtq) | Competitive | 0.5–1.5% | Minutes–1 day |
| Bank TT (Maybank, CIMB) | Bank rate (+2–3%) | RM15–30 + spread | 1–3 business days |
| Western Union | Bank rate | RM15–50 | Minutes (cash) |
