Wise Card Review | The Ultimate International Debit Card
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- Опубликовано: 26 июл 2024
- In this video, I will review the Wise card, its pricing, features, PROs & CONs, and how you can apply for one and use it today! 🔵𝗚𝗲𝘁 𝗙𝗥𝗘𝗘 𝗧𝗿𝗮𝗻𝘀𝗳𝗲𝗿 𝘄𝗶𝘁𝗵 𝗪𝗶𝘀𝗲 (𝘂𝗽 𝘁𝗼 𝗥𝗠 𝟮,𝟱𝟬𝟬) ➡️ wise.com/invite/u/weif84
🔴Wise Multi Currency Account (video guide) → • WISE Multi Currency Ac...
⬇️Timestamps:
0:00 → Intro
1:49 → What is a Wise card?
4:12 → Pricing
6:45 → Applying for a Wise card
9:17 → Wise digital card
11:32 → PROs & CONs of Wise card
The Wise multi-currency account is a great option if you live abroad or travel frequently, because its foreign transaction and conversion fees are lower than what many companies charge. It's also convenient if you work for a company that pays you in a different currency than you use, or if you send or receive money from people who live in other countries. On top of that, you can hold more foreign currencies (i.e. USD, GBP, Euro, SGD, etc.) which are historically better than MYR due to the stability of those currencies!
You can get your own bank details for 10 different currencies (including SGD, MYR, USD, GBP, EUR, and more) to receive money for free from those places. Unlike other accounts, there are no monthly charges or minimum balances required.
You can give your new bank details to friends, family, companies, or clients in the UK, Europe, US, Australia, New Zealand, and Singapore to get paid in the local currencies, directly into your Wise account. It'd be a local bank transfer for your sender, so it's free for you to receive money with these bank details.
The Wise account lets you add, hold, and convert over 54 currencies instantly. All conversions and transactions are made with the real exchange rate - like the one you see on Google.
For people shopping online overseas, travelling internationally, or paying for subscriptions in foreign currencies, you can save up to RM 6.25 per transaction when spending in foreign currencies. You can spend in-person or online in over 200 countries at the real exchange rate, with zero foreign transaction fees and super-low conversion fees.
✅Features of Wise Card
→ Send money to over 80 countries
→ Hold and manage money in more than 54 currencies
→ For a super-low fee, you get the real exchange rate, like on Google, for every money transfer
→ 50% of transfers are instant or arrive within an hour
→ Freeze and unfreeze your card instantly
→ Spend on your card in any currency (with auto conversion at the best rate)
→ Free ATM withdrawals from more than 2 million ATMs worldwide (up to RM 1,000 a month)
→ Secure your transfers with two-factor authentication
→ Create digital cards to protect your identity online
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Disclaimer: This is not a sponsored video. To make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary. 
Хобби
🔵𝗚𝗲𝘁 𝗙𝗥𝗘𝗘 𝗧𝗿𝗮𝗻𝘀𝗳𝗲𝗿 𝘄𝗶𝘁𝗵 𝗪𝗶𝘀𝗲 (𝘂𝗽 𝘁𝗼 𝗥𝗠 𝟮,𝟱𝟬𝟬) ➡ wise.com/invite/u/weif84
sir i have cousin from canada and the send me money here in malasyia in my bank acc. on april 30 2023 but until now doesn't appear to my bank
Thanks for the video. Straight to the point. So much info shared in 14 minutes
Thank you so much Mai! Really appreciate your nice comment🥰
Just received my Wise card today for my overseas trip next trip. Your vid was definitely helpful!
Awesome! Don’t forget to activate it yeah! Can refer their website on how to do that
Great video, very informative and clearly laid out. Thank you Sir🙏🏼🌟
Thank you Nala Kirdwood, glad you liked it!!
Thank you for the info. Very useful. All info I needed. Thanks! 👍
Hehe nice to know this was helpful. Enjoy! 😄
Happy New Year! Tks for the video.
Blessed New Year Eduardo! Stay safe and healthy 😊
Thanks. This video has answered more questions I had than the FAQ on the Wise website.
Haha nice!!
Great video, thank you. Just ordered mine.
Cheers Andreas! 😊
Great content and info. Keep up the good work.
Thank you so much! Have a great week ahead😊
So well explained. Thanks :)
Hehe thank you!
You deserve 1million subscribers man very helpful thank u
Woooohoooo thank you so much man! 🥰🥰
Quality information. All I can say is thanks.
Hehe glad you liked it!
Thank you so much for the info, easy to understand
Cheers Amirah! Hope to see you in future videos😄
Just received mine, excited to use it
Nice, enjoy!! (Share us your experience with it when you got to use it, should be pretty interesting!)
Thanks for the info man
Cheers buddy!
I couldn't find these info anywhere so I thought of sharing them here.
1. To activate the card in Malaysia, you need to use a 6-digit PIN. Just add '00' behind your 4-digit PIN.
2. When checking your balance at ATM, select 'Credit Card'.
Hope that helps.
Thank you for sharing these with us Johnson!
Is japan Pin is 4 code or 6 code ya?
I am not able to use the card as it keeps getting declined before entering any pin. NEed some advise pls. I've contacted wise support but no help there either.
@@bappe5028 no idea. just try?
@@jesschan8 have you tried activating at an ATM?
Thanks bro....very informative
You’re most welcome!!
Great information 👍🏾
Glad you liked it!!
Thanks for the video and great content. it is very useful. Can I ask if the wise card can be top up using the credit card method?
Hi Kenix, i believe you can only reload your wise multi currency account using Online FPX or bank manual transfer
Wow..I applied the Wise Card at New Zealand last year July or so.
At at at time, Malaysia was still not eligible for the Wise card for regulation approval or so.
Great to know finally it's offered for Malaysians by now. It's much cheaper to get the card compared to at New Zealand too.
Highly recommend it.
Haha nice! We're stoked to have them here too!
thank you lovely input
this was very insightful. a future
comparison between bigpay's card and wise would be great.
Ill look into that! Thank you for your suggestion 😁
Have been waiting for the card to be available in Malaysia! Thanks for covering it Ziet! Hopefully the multiple currencies accounts is available again for Wise to directly transfer to IBKR.
Hi Yi Jing! The Multi currency account is available for Wise to directly transfer to IBKR! Refer this video: ruclips.net/video/dJYzHEnBhJs/видео.html
Enjoy!
@@ZietInvests how much you paid for the carte
Great sharing. Tqvm
Thank you my friend!
I have been using wise debit card for almost a year now to pay for my tuition fees in GBP and I indeed save a lot of money instead of using local credit card
Nice to know that! Thank you for sharing your experience🥰
🤝🤝🤝✊🏽great content MR.Ziet
Thank you buddy! Glad you liked it! 😊
Great video my friend ! Did you face any problem linking your Wise Card to your Google Wallet ?
As always, it's great content and very clearly explained. I have just applied for a wise debit card. I have a question here, can the card accept payment transfers (in MYR or other currency) from others in Malaysia?
Hi Yiwa! Technically yes, that's a transfer of money from multi-currency account to another right, should have nothing to do with the card😊
Hello! New to the channel here :)))
What are your favorite phone apps and websites you use? And how do you keep up?
Love your videos, Ziet!
Thank you for all your time and contribution!
Heyyy Robin! Thank you so much for your kind words!
I usually use Yahoo Finance, Bloomberg, and a few ones on a daily basis!
Would love to make a video on this someday!
@@ZietInvests sounds great! Will definitely won’t miss that☝🏻
Thanks!
You're most welcome!!
Hi Ziet, thanks for your effort of maing this video. I have one thing remain unclear here, and I really hope to get your clarification. You mentioned that to top up the multi currency account before spending by card to save the fees incurred. But from my understanding, to top up any multicurrency account, we will anyhow being charged on the processing fee right? So what's actually the difference between to top up that particular currency account first before spending in that currency and to not top up that particular currency account and have remaining money in MYR account or other currency account. Thank you so much!
Hi Jingya, you are correct, but instead of paying fees for every 10 SGD transaction, its best to pay the fee once for say 1500 SGD, then you would not incur the fixed fee for every small transactions.
Not the worst thing, but just some small tips to save extra money!
TQVM Ziet for your valuable info. Could you mind letting us know whether the Physical “WISE” card 16 numbers, Expiry Date (month/year) and the CVV/Security Code are the same as the Virtual “WISE” card?
Hi Shuan Shun, yes the 16 digit numbers on physical card is similar to the virtual Wise Card, likewise for their CVV and expiry date.
However, the additional 3 purple digital cards are different yea, not to be mixed.
Thank you ❤️
😄😄👍🏻
Valuable content right there. Since this card works like a debit card, means we can use it to pay our monthly subscriptions like Netflix, Spotify, YT Premium right?
Hi Tyler, firstly thank you so much for your kind words!
Re your question, I believe Netflix/Spotify receives payment in your local currency instead of USD, so there are no apparent advantage of using this card, but you should be able to do so since it is a VISA card and if memory serves me well, Netflix/Spotify accepts VISA
Hi Ziet, your videos have been very helpful to me. Thanks for your effort. I've a Question. Can I withdraw from IBKR directly to WISE account in USD?
Hi, you can definitely do that, can refer this video: ruclips.net/video/gZQGDscCuro/видео.html
Great content Ziet! How would u compare this card with Bigpay? Would u be using both or just Wise?
Hi Jiunhong, I would just use Wise instead of Bigpay - i like the higher holding limit and its app platform UI, and im just generally more used to Wise platform since I use it to fund my IBKR account most of the time
wooo, that keyboard was ... great
Hehe rightt, i love the colour scheme a lot!
Hi, can I use wise digital card when pay bill at counter?
Hi Ziet, as a Malaysian is it worth using Wise card locally like a debit card? Secondly i've read many comments about transaction being flagged if it is transferred to another account that is not under our name (forgot if it is IBKR/Wise). Does it mean that we can't send money to friends/family members?
Hi Dinesh, i personally don't do that because I prefer using my maybank credit card to build up credit score, and there's no need to reload the prepaid wallet, reducing the hassle. I would only recommend using Wise for cross border transactions
Haha first here again! I going to get my card on 1 January 2022!
Haha free card promotion ends tonight thou!
Hi Ziet, I have just watched your videos a few days ago and love the content!
May I request for a video for beginners that want to apply for credit card? Like tips and tricks to get the higher approval and which credit card bank is much easier to apply so on?
I apologize for inconvenience caused in advance and I will understand you have other priority to address to
Hi there, im glad you found this channel hehe!
Noted on credit card, it's also something im keen to explore in the near future - stay tuned for that!
(For now, i'd just recommend Maybank 2 cards - VISA and AMEX haha!)
@@ZietInvests Hi Ziet, thank you for your reply and looking forward to the video 😁
The ATM free withdrawal is rm1000. Does it applicable to oversea currency equal to free rm1000 rewithdrawal too ?
Hi! I found your vids when looking for further info abt wise card. May I know, does your wise card can be used for paywave payment in malaysia? I have just received my card then activate it, but still can use the paywave in store
Hi Ben, not all vendors are able to accept Wise Card paywave in malaysia yeah, but from others' input, they work fine in other countries like Singapore
Thanks for the video. I needed this badly.
Btw... what's the holding limits in Wise for each currency? I checked n checked quite a lot time...do some readings and a bit confused especially about USD holding limits. For 026 i know there's a limit for it but for 084 it stated unlimited. Quite confused about that though becoz is it related with holding limits or receiving limits...🤔🤔🤔
Also I cant recall if u did review about Wise Business or not becoz i need more information about it? But if u already did...i will look it up.
Hmmm, the holding limit usually applies according to your residency, should have nothing to do with the assigned Wise US bank account.
For Malaysians like me, the holding limit is RM 20,000 (~USD 4.7k) at all times
I did cover a little bit on Wise Business here: ruclips.net/video/H99ohWsnoIM/видео.html
Hope this helps!
Hi, thank you for the video. I maintain balance in EUR. Now I'm travelling to swiss, should I add a new CHF account or will they deduct from EUR account itself. Which of these options result in lower transaction fee? Because even to create a CHF account I will still have to pay a transaction fee for EUR to CHF conversion. Thanks in advance..
Hi aravind, the fee is inevitable because you will have to convert regardless of now or later
Thanks for the nice video!!
One question - Could you please let us know how to load the Wise Card with money? And Can I load 2 currencies at the same time? Actually I have received the card today, I am in Sweden now, so want to load SEK and next week I am travelling to Germany and want to load Euro from my Sweden bank account (with SEK to Euro conversion). So please advice accordingly. Thank you.
Hi Saurav, you can load money into your Wise balance and Wise Card will deduct from it automatically, following this tutorial: ruclips.net/video/H99ohWsnoIM/видео.html
Hi! thank you for the video. what bank would you recommend to do a cardless cash withdrawal using a wise virtual card?
I believe most banks should be compatible :)
Is this possible?
Hi Ziet, thanks for the very informative video! I do have a question about the double conversion rate that you mentioned in the video.
How is it “double conversion” when the currency I needed during payment (SGD) is converted from another currency (MYR).
As compared to converting MYR to SGD before the payment and having enough fund for the payment.
Hope the question is clear. Thank you!
Hi Elaine, ahh i meant instead of allowing Wise to auto convert MYR to SGD for every single transaction that may incur conversion charges, its best to have SGD cash ready instead. I probably should make it clearer instead of saying “double conversion” haha, hopefully this clarifies!
@@ZietInvests Thanks for the reply. Appreciate it!
@@ZietInvests Hi Ziet, thanks for your video, very useful information and I just applied for a Wise account & card!! :D Regarding your comment above, I have some queries which I appreciate if you can enlighten me:
1. Can I confirm if the way to reload money in foreign currency account, SGD (for example), is by adding the "Add" method in SGD account and pay via MYR, there will not be any processing fees charged by Wise, and we are only affected by exchange rate risk. On the other hand if we convert money from MYR account to SGD account, Wise will charge us a conversion fee. Hence it is better to reload money in foreign currency account by using the "Add" method in the foreign currency account. Is that correct?
2. If my understanding in No.1 above is correct - then that is why you advise that we reload our foreign currency account first (e.g. SGD) and then when we pay online or at stores in Singapore in SGD, Wise will auto deduct the amount from our SGD account with not further charges. In other words, we don't get charged at all for reloading into and spending from the SGD account, right?
Request compare of wise card and bigpay, thanks and happy new year
Hi there! Would put that into my to-do list! Thank you for your suggestion and have a blessed new year ahead!🥳
Hi Ziet, if I need to spend New Taiwan dollar. Can I just top up my wise with MYR. When I spend in Taiwan, is wise will automatic cover to TWD based on that day rate?? Tq
Can apply the Wise card and deliver to other country ( Japan ) instead of deliver to Malaysia?
Thanks for your video. Very helpful information.
I am from Malaysia and I have a few questions.
If I am transferring 300usd to another wise account,
Converting myr to usd in usd account then transfer or straight away click transfer will have a better rate?
Let say myr2000 in my account and I am using this debit card visa function to buy things that cost 300usd from USA online, I should convert myr to 300usd in usd account then key in my card info and buy or will it deduct my myr2000 account straight away?
Hi there, auto convert or convert yourself - the rate will more or less the same if done at the same time ;) So if you pay in USD, im sure it will deduct from your USD balance
I wanna ask u question if you want to reload you card do you need to have bank account or you can reload from the any atm
Hi Obada, this can be reloaded online from your Wise mobile app or website using any of your bank transfer.
There's no physical bank/ATM required in the process
Just received my new card but doesn't show that is contactless as previous one.Is it contactless?
This is great if you trade stock market like NYSE and travelling. I do not have both reason. I use bigpay to renew my monthly subscription like netflix, tradingview subsription and etc. Linking debit card is high risk for me since I have a lot of money going in and out in the card. I should find a reason one day to make wise! Been eyeing for so long.
Haha if it works for you, why not?! I also never link my debit card with Wise, just use onlineFPX to reload everytime
Hey Ziet, I’m just wondering like myself who is a casual traveller. Which company do you think fits my need the best? (Just a small transaction like foods & general goods) Wise or Bigpay?
Wise. I’d avoid BigPay as it is owned by Air Asia Digital (under Air Asia Group), and for what they are going through right now (PN 17), it doesn’t look promising!
@@ZietInvests Thanks much appreciated Ziet! I will look into it 🙏
Standard postal service is not good what I experience. I was waiting to get my card by January 6 but didn’t got so eventually had to cancel and use dhl service.
Noted, thank you so much for sharing your experience!
Thanks
You're most welcome!! Hope to see you in future videos!
Hey Ziet, you said something for only using google chrome for a certain aspect of the wise? Is this correct and what specifically did you reference?🙏
Hi Nala, I mentioned about using Google Chrome just to order the Wise Card (incase safari prompted error while ordering). Not a big deal!
@@ZietInvests 🙏🏼
Hi Ziet, thanks for the valuable content you creating. It's really useful for me. After watching this video I applied wise physical card. It's arrived to me within 2 week. When I start to activate this card in shop, my transaction was declined. Kindly advice me how to activate this card in shop? Let me know there is any other method to activate my card. Thank You.
Hi Inthiran, you can check out this guide from Wise: wise.com/help/articles/2978024/how-do-i-activate-my-wise-card
hi. do you have any content regarding bigpay vs wise?
Hi, not exactly Wise vs BigPay, but i've a small mention on that at the tail end part of this video: ruclips.net/video/RzCKxh9syCE/видео.html
Yo ziet, although you mentioned it is free until 31/12/2021. But i orderd my card just now (1/1/2022), it doesnt require me to pay any fee for standard delivery. The screen stated as free just like what you show to us.
Hi Terry - a few viewers in the comments below told me the same thing too haha! Not sure why, could be its still christmas off-day in the UK now, might be different when they resume business next week 😂
Hi Ziet. One question. Can I perform ATM withdrawals in Singapore if I'm from Malaysia? Thanks.
From their website, they stated yes but only free for up to 350 SGD, after that will have a 1.75% + 1.5 SGD fee.
A comparison of WISE vs Big Pay would be much appreciated.
Thank you for your suggestion Thina, I will put that in my to-do list!
@@ZietInvests yes that would be a good comparison because from what i know, bigpay card is quite similar and bigpay also offer very competitive exchange rates
@@streamyx78 i have a small mention on Wise vs Bigpay in my upcoming video! (uploading on 4th Feb 2022)
@@ZietInvests hey man may I know which video you're referring to?
@@ZietInvests have u made it? i really need to know the comparison just wanna choose 1
Thank you very much. Can you transfer money from Malaysia using wise to US stock broker?
Hi Nizar, yes you can! Moomoo and IBKR supports that :)
Hey bro great video. But not sure if you could shared a guide on how can we open a foreign bank account? And does wise support any e-wallet reload?
Hi Kit Lim, may I know which foreign bank account are you referring to?
I have a video on opening CIMB Singapore bank account form Malaysia: ruclips.net/video/iewPJW2VFvk/видео.html
Ahhh yea yea I saw ur CIMB video link.great guide thanks so much!!! But on WISE part they don't take any reload direct from any e-wallet. Like metamask wallet?
Hi Ziet,
Is it true Wise will stop their operations soon in Malaysia?
Source? I've never read anything about that anywhere
Hi quick question. What happens if the card expires? Do I have to renew it or order another one?
Hi there, once it expires (or even before it does), you can order a new one, can refer here for more info: wise.com/help/articles/nhROyliUUrb4USPHMyB4w/my-wise-card-expires-soon-what-do-i-do
Hi! This is really late, but I would like to ask a few questions if possible!
To start, I’m singaporean based in Singapore.I already got this card, but still have questions, therefore the asking.
Firstly, this is to check, if I would like to use the card overseas( outside sg+ after activating), I just create a balance and transfer money into it, and I can use it as a normal visa. Is this right?
Next( and the last), I would like to ask something that kinda made me apply to this on impulse, especially I don’t particularly own any businesses though I’m trying out earning from overseas, but I didn’t find enough information about.
Basically, I’m trying to buy something online,only available in Turkey(country name is just a example, can replace with anything). That item can only be purchased in that country, normally only by turkey’s own card or a card based in turkey. Would I be able to use wise to do purchase the item online? Using the debit card?
Thanks in advance!
Hi there, that is correct, you just have to reload your balance (any currencies) and you can use it at any other country after activating, but i would recommend you converting first to avoid multiple charges in smaller conversions.
And yes, you should be able to checkout on that Turkish e-commerce website using this Wise card :)
Hi, for virtual card, this option only for business or personal can use also?
Both! By default is personal use, you can also apply for Wise Business to use the virtual card too
I received my FREE card from Singapore exactly on the expected arrival date. If I have Singapore dollars balance, can I use this balance to transfer money to Syfe for my ETF investments and will there be any charges or fees since I already have Singapore dollars? Can I provide my Wise Singapore balance account to Syfe if I redeem my investments? Will payment go into my Wise Singapore account? Is the Singapore balance account considered a DBS Singapore account? I'm rather confused, I hope that you or any other viewer can throw light on my queries, thanks
Hi Raymond, technically you should be able to do that, but do check with Syfe whether they accept funding from 3rd party, sometimes financial institutions/funds don't accept these - case in point TD Ameritrade.
It is considered a DBS Singapore account under Wise's name, remitting on your behalf.
When I will travel should I have to convert money to withdraw local money from the ATM when using the wise card?
I think best to do so, because it would read the debit card as not having the X currency in cash
good info bro..
just ask..
antara kad Wise dan Bigpay, yg mana lebih sesuai digunakan utk travel, Uk@dubai?..
Dua dua pun boleh, lebih kurang same aje
@@ZietInvests noted..terima kasih ziet👍👍
Hye ziet, is it possible if i use this wise card and immedietly transfer it to my interactive broker account?. Or do i still need cimb foreign account?
Hi there, you can directly transfer to IBKR using a Wise account (no need Wise Card), refer this video: ruclips.net/video/dJYzHEnBhJs/видео.html
Regarding the two free but limited withdrawals per month, is that two free withdrawals every 30 days or strictly per month? In other words could I withdraw money from an ATM on my WISE card on March 31, April 2, and April 5 because those THREE withdrawals are in two separate months, or is it two withdrawals every 30 days? Thank you.
Hi Jeff, sry for the late reply, but as far as i know, the two free withdrawals with Wise are per calendar month, not every 30 days. So yes, if you made withdrawals on March 31, April 2, and April 5, these would be considered as two separate monthly allowances.
Hi Ziet, is it this card can use for Chinese RMB?
HI Kingleong, can use for Chinese Yuan
Hi Ziet, any possibility to make review on Longbridge securities due to the availability for MYR deposits? Heard their custodial services are provided by Phillip securities and regulated by Securities and Futures Commission of Hong Kong.
Hi there, I have roughly checked on them before but their licenses and track record doesn't necessarily interest me. Why not use Interactive Brokers? Much more established, much cheaper, and doesn't charge you a bomb when you convert your currencies.
Can check it out here: ruclips.net/video/f__HgJRe3nU/видео.html
Cheers!
@@ZietInvests cool Ziet, any difference between ibkr au & ibkr sg and how do change from ibkr au to sg ? For the former, can it still be used to buy sg shares ? Also, by clicking your ibkr link, do we entitle for the referral rewards ?
@@user-yl4uq4sy7f 1. Entity - no difference, if you are Malaysian you will be redirected to IBKR US, if Singaporean then parked under IBKR SG. Most stuffs are still the same. Can check out this video for the explanation: How to Open an Interactive Brokers Account | Beginner's Guide
ruclips.net/video/f__HgJRe3nU/видео.html
2. IBKR Link - My link is an affiliate link, unfortunately it doesn’t bring any extra reward to you. You can however use this referral provided by IBKR if you are interested in the freebie: ibkr.com/referral/wei687
Note that even if you used this link, there is no guarantee of free stock - many viewer came n told me IBKR didnt gave out anything, not sure if its the T&C where you need to invest X amount for at least a year or something. Do let me know if you got it!
@@ZietInvests thanks ziet for the detailed replies, so you didn't manage to get the referral rewards last time 😅?for the delayed quotes on IBKR, how does the order match with the inserted price then? Does the price matching happen in real time or getting delayed as well? Cheers !
hi.. nice video. How long did it take for the card to reach you? I've ordered twice, and it's been 15 days since the last order but the card still hasn't arrived at my UK address ( Unfortunately, I do not have the dhl option. How can I activate it? Do you have any information? thank you
Hi there, mine took 3 business days as it was a paid-express delivery from Singapore to my Malaysian address.
Try asking Wise customer support? They should have a tracking number for you, otherwise its also good to double confirm your address with them incase there's any mismatch
DHL option might depend on region im afraid - again I think Wise would have a better answer for you (it was automatically available for us Malaysians)
may I know, if we use Wise card somewhere in malaysia and our wise have MYR balance, USD balance and HK balance, which balance they take? what happen if MYR balance is zero but we still have USD balance? can we use it in malaysia?
Hi, they should take MYR balance if you have enough MYR debit, if not, they will take the next cheapest currency and convert it to MYR (at a fee).
Though, why not use Malaysian bank cards in Malaysia? (i'd assume you are not from Malaysia?)
Hi, May i know if i put in MYR 1000 into the wise card/account, can i convert to Thai Bhatt and do withdrawal there?
Hi there, you surely can do that!
Hello, Is wise card can use buying grocery here in singapore? Thank you
Hello, yes you can, provided the merchant accepts visa payment
Do you activate the card in Malaysia or when abroad? And if activate the card in Malaysia, where is the best place to do so?
I think i activated my card on the app itself
hi, can withdrawal of ibkr account to this wise account? thank you
Hi Cason, yes you can, can refer this video ya: ruclips.net/video/gZQGDscCuro/видео.html
Nice.
Thank you!!
Hi, can you review TnG Visa Card and make comparation with BigPay and Wise?
Hey there, I just applied for the card! Need some time to get it delivered and review it. Will share when I have any updates.
My fav RUclipsr but I enjoy a lot, when previously he used to speak in hanging mic on a fork
HAHA! Thank you so much Nirjhar, unfortunately I had to retire that microphone to bring you guys better audio experience 🥲
I live in the U.S. and will be visiting Japan for month. If I know I will spend about $5,000 in JPY, is it cheaper for me to exchange $5,000 USD into JPY in one transaction into my mother in law's bank account, then withdraw the cash and spend? I assume I will pay higher fees if I make many separate transactions using the card, say spending $50 for 100 separate transactions with Japanese restaurants, trains, merchants, etc?
Correct, you will incur more fixed fees for each conversion which is not something i would recommend, always best to convert in a lump sum so you incur the fixed fees once + variable fees
Why does the pin is only 4 digit, when most places in the world requires 6? If the merchant or ATM require you to enter 6 digit, will this be a problem?
Hi Greg, that could be an issue too, not quite sure since I have not got the chance to travel abroad and use it
I tried using the Wise debit card for the first time a few days ago and the fee was
Wow
Merchant pays processing fees and they vary quite a lot globally. A part of it get back to Wise
No idea how I ordered the card for foc, didn't ask for payment and nothing deducted from balance
Yup that is because they have promotional free card until end of 31 Dec 2021 - after which they will start charging
what would you recommend to receive/transfer money from china? what app would be reliable and more worth it?
Never tried sending/receiving from China myself tho :x Wise should be fine with that!
Is there an option to pay for the card using account balance?
I believe yes, the card will auto convert from your balance in currency B if you dont have enough debit in say currency A.
is the account not usable without ordering the card? if I only need to fund my usd trading account
Hi Elaine, the card is not mandatory to order! So you can just use your account as usual ;)
Whats the difference between this wise card and the bigpay card ? It would be much appreciated if you could elaborate 🙏
Hi Kamal, Wise has much more supported currencies, features like digital card and is supported by many international brokerages like Interactive Brokers, moomoo etc.
BigPay is not bad at all but the limit is much lower (RM 10K i think)?
Hello , let’s say I have a usd200 balance after I returned from USA. Do I have the option to convert that balance to MYR and transfer to my say cimb account in Malaysia? Thanks
Yes of course!
Thank you for the tips, it helps a lot.
But I’m facing problem with my card.
I’ve activated my Wise card and when I tried to pay at KFC, Guardian and chain hypermarket, my payment cannot go through, the one at KFC it doesn’t even let me enter my PIN.
I have contacted Wise support on this and they told me that my card is activated and they saw that my transaction at KFC was declined, tho I have sufficient money in my card.
Any idea why is this? And one more question, is there a minimum amount of money you will need to have in order for you to make purchases at shop? Example my card has MYR10 and the purchase I’m trying to make is MYR5. Will the card let me buy the thing?
Hmmmm, that’s probably because most local vendors only accept the traditional banks’ visa/mastercard (the only thing i can think of)
Others’ experience on vendors outside of Malaysia (ie Malaysia) was okay
I dont think there’s a minimum balance requirement as long as you can afford the purchase value + transaction fee (for overseas)
@@ZietInveststhanks for the reply. That means when paying outside of Malaysia, there is no issue so far right? I applied this card for travel purposes actually.
1. Can you use the card WITHIN the country Malaysia? like for grocery shopping at Lotus or local vendors? (both physically at the store and online)
2. Can you transfer the money to your local debit card? (CIMB)
Hi Nasreen,
1. I have not tried that before but according to other users' feedback, certain shops do not accept them even VISA is accepted - though I would just suggest you to use local bank debt/credit card instead!
2. Yes you can, withdraw money from your MYR Balance in Wise account
I received my WISE card, free and without applying, maybe because I have send fund overseas in 2021 with them.
My question : the multiple-currency account can only HOLD 10 specific currencies, (yen, RMB, HKD, TB are not included.) Are other accounts in the similar situation ? I am Malaysian living in Malaysia. Thank You.
Ahhh how long did it took you - you went for Free Delivery is it? Because I also used their service extensively last year but I still got 2 options as shown in this video haha.
Anyways, Re your question, I can open Balance for HKD, Chinese Yuan etc. no problem - give it a check and see? I'm Malaysian from Malaysia too!
Check if your Wise profile address is Malaysia, or if you have tempered with it before, otherwise, feel free to DM me on instagram so that I can help you out there!
Hi Ziet, I have just received my Wise Card, registered in Malaysia. Today I just received my Wise Physical Card, I found out that between the physical and Digital Wise Card, the numbers and security are different…
Is Wise card can add to Apple Wallet? Thanks!
Hi there, doesn't work if you are based in Malaysia still. Can refer to this faq link for more: wise.com/help/articles/2935788/how-do-i-use-my-wise-card-with-apple-pay
Hi Ziet! I applied this card immediately after watching your video. Received mine , made payment via chip+pin to activate the card. However I can't use contactless after that despite I set the setting. Any idea why? I plan to use this card for my upcoming BKK trip. I am afraid if this will not work there then 😢
Hi cherlyn, some vendors in malaysia dont accept Wise for some reason, but should work well in foreign merchants (if they accept visa)
At least thats what my viewers told me for their transactions in singapore
Thanks Ziet!