Wise (Formerly TransferWise)

If you are frequent traveller and need to exchange/hold foreign currency, please consider using Wise. You can get a VISA card for your cashless spending or withdraw cash through the local ATM.

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My referral link: https://wise.com/invite/u/sengt119

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First few transfers are fee-less as long as its combined value is below RM2500 or equivalent to 740+ SGD