Wise Card Review (2024) - Everything You Need to Know

I'll be sharing the secret to smarter, cheaper international spending and transfers with WISE! 🔵𝗚𝗲𝘁 𝗙𝗥𝗘𝗘 𝗧𝗿𝗮𝗻𝘀𝗳𝗲𝗿 𝘄𝗶𝘁𝗵 𝗪𝗶𝘀𝗲 (𝘂𝗽 𝘁𝗼 𝗥𝗠 𝟮,𝟱𝟬𝟬) ➡️ wise.com/invite/u/weif84
🔵𝗚𝗲𝘁 𝗙𝗥𝗘𝗘 𝗧𝗿𝗮𝗻𝘀𝗳𝗲𝗿 𝘄𝗶𝘁𝗵 𝗪𝗶𝘀𝗲 (𝘂𝗽 𝘁𝗼 𝗥𝗠 𝟮,𝟱𝟬𝟬) ➡️ wise.com/invite/u/weif84
🔴 𝗦𝘁𝗮𝗿𝘁 𝗜𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 𝘄𝗶𝘁𝗵 𝗜𝗕𝗞𝗥 ➡️ www.interactivebrokers.com/mk...
⬇️Timestamps:
0:00 → Intro
0:30 → Is Wise safe?
1:28 → Special Exchange Rate
2:14 → Multi-Currency Account with Debit Card
3:04 → Virtual Card
4:06 → Cash Withdrawal
5:06 → Smart Auto Convert Technology
5:50 → Wise Pricing
8:19 → How I Use Wise for Investment Purposes
9:45 → Wise Limitations
11:40 → Conclusion
Let me introduce you to the ultimate financial companion for anyone like us, living abroad, traveling often, or juggling currencies across different countries. I've found that the Wise multi-currency account significantly boosts financial flexibility with its low foreign transaction and conversion fees-way lower than what you'd usually see with traditional banks. Whether you're getting paid in a different currency than your daily expenses or you're managing finances in more than one country, Wise has become my go-to solution.
Imagine holding and instantly converting over 54 currencies at the real, transparent exchange rate-the same one you'd find on Google. Wise has empowered me to navigate the global financial landscape like never before. It's time to say goodbye to hidden charges and hello to clear, upfront transparency. With Wise, you can spend online or in-person in over 200 countries, making you feel like a local anywhere you go.
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❗️USEFUL LINKS❗️
✅Register for and Interactive Brokers Account and Fund through Wise Seamlessly!👇🏻
• How to Open Interactiv...
✅Start Investing in the U.S. market now!👇🏻
• Investing in the US ma...
✅Find the Best Travel Prepaid Card in Malaysia for You!👇🏻
• Investing in the US ma...
✅Beginner's Step-By-Step Playlist to Start Investing 👇🏻
• Beginner's Guide to In...
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SOCIAL MEDIA LINKS
🔵Facebook → / zietinvests
🟣Instagram → / ziet_invests
🐦Twitter → / zietinvests
🌐Website → www.ziet.co
🏠Discord → / discord
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#wise #wisecard #transferwise #wisemulticurrencyaccount #moneytransfer #travel #internationaltravel #bestcard #debitcard
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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.

[@happyheartslee]

WISE customer service is frustratingly slow and not helpful

[@user-yg4tf4st4i]

Thank you for reviewing WISE. I found this when I had to book an accommodation in HK. Since I have been using my WISE so frequently, I got my WISE card sent to me for free probably due to a number of transactions that I’ve done previously. This physical card would cost between £5-£7.50 depending on the card you wish to have. Overall Wise is the best card and account that I ever have

[@chewsoonyi]

ziet, love all your financial videos like moomoo, wise, how to submit tax and every other things. lots of knowledge from you. keep it up and cant wait for your next video

[@ZietInvests]

Thank you soon yi, so glad you enjoyed them

[@aripson]

I got my Wise debit card within the same week. I apply for it on Monday, the next Thursday, I got my card. Normal delivery.

[@kmilton1593]

Thank you for your educational video. (cheers from canada!)

[@ZietInvests]

Glad it was helpful!😍

[@dondolf]

omg tq.. theres the one specific question ive got answered.. coz i only use wise for my annual japan trip.. and maybank rates when withdrawing in japan are so trash

[@CHchow85]

I got my physical card. Application was easy, but the standard delivery was a nightmare in my area. If you have a problem with the delivery, first check your address and make sure it is correct, then may contact the customer service of the courier to resolve. You will need to be (very) patient with the standard courier if he/ she has problem with your address. Mine took 2 times (reorder new card) and 3 rounds of delivery (1 round for the 1st and 2 rounds for the 2nd) to be done with the assistant of customer service.

[@ZietInvests]

Thank you so much for chipping in! Im sure this will help future applicants too!

[@ammarfirdaus3865]

I did experienced the same as well due to delivery address...after more than 3 months, i have manage to get the wise card after insisted to opt out for expedited delivery

[@user-pq7od1rg7p]

I’ve been using this method since last year, so far so good haha Pros: convert and cash in to IBKR relatively easy and quickly, fees lower and without much hassle or extra steps to be done in the process Cons: the holding limit just way too low, wish to increase more like 50k and below 100k ringgit if possible Haven’t got a chance to use that physical card yet, but trying to see if the virtual wise Apple Pay could be useful in my upcoming Japan trip this May 😂

[@ZietInvests]

Yesuuuu agree, the ease of funding IBKR is (*chefs kisses*)! Haven't bumped into any issue with the wallet limit yet coz i brought quite a bit of cash to Japan (like RM 6k+) hahaha! (touch wood)

[@kennethteng2849]

I've been using my Wise card for over three years now for transactions in Australia, New Zealand, and South Korea without any issues. Keep in mind that some stores may not accept contactless payments and may require you to insert your card and enter your PIN (this is common in most stores in New Zealand). You can simply choose debit for these transactions. The same goes for fueling up at any New Zealand petrol stations

[@vibnwis]

Is your card contactless? I used mine once, the POS did not recognise my card. Hence, I had to insert.

[@selzerhexor]

@@vibnwis are you using old card? i have been order new card to this year. Mine is 2 years old. So i change new one. been using that for 2 years wihout contactless

[@Semibreve06057]

How to use wise to receive money from overseas financial institution?

[@SleepyMagii]

😮 can you use this to speculate currency futures? (Is the ibkr same with tradestation?)

[@flywithholyspirit]

I use Wise. I transfer Money from UK to Thailand monthly. The Transfer time normally takes about 5 seconds.

[@SaadonAksah]

Awesome feature!

[@ZietInvests]

hehe already gotten your wise card?

[@jamesmartin1895]

geez, Wise beats Apple Savings (4.85% vs 4.40%) thanks for a very informative vid, Mr Z 😊👍

[@umiizzati21]

Nice update so far. Btw, I'm flying to japan this week. Thank you for the tips

[@ZietInvests]

Nice! Enjoy your trip 🔥

[@masterj0j0j0]

Don’t withdraw over the limit as it will get very expensive real quick, instead Use ur wise card to paywave and u are good

[@umiizzati21]

@@masterj0j0j0 thank you for the tips. Btw, hot tourist area are more easy now with cashless payment. I hardly touch my cash. However, I prepare some cash just in case. It was my first day today ☺️

[@HUI933]

sad to say, Japan still using cash in most of the places. Unless youre spending in malls or their chain stores.

[@masterj0j0j0]

@HUI933 just use card in convenience stores and others, I just travelled the whole of hokkaido rural areas and many also accepted card

[@shamminnie2487]

Thank you very much for this informative video. I got a Q. if I take the digital card, will sms be sent to my local number? coz normally I remove Malaysian sim when overseas, and use the foreign country sim.

[@jeffreyjanpropertykch]

do you mean that we cant use wise physical card payment or atm withdrawal in Taiwan?

[@SerenaLim2800]

Great review.. thinking of using yr link to get my wise card.. i often use my MCA bank card … currently travelling in japan when i stumble across yr utube…as Malaysian can i fund my wise card default currency in sgd$ and bypass the rm20000 limit?

[@syl7180]

I would like to know whether it would be more expensive if I just left my money in MYR and spend it in a foreign currency abroad by letting WISE do the auto conversion … as opposed to converting it to the foreign currency beforehand ( i know converting before hand we can get our desired rate) … but let’s say the exhange rate was the exact same ,is the first option more costly by incurring any extra fees ?

[@lcwin1]

I think before using always check with other competitive transfer solution. Last I chk the total conversion cost is actually pretty high.

[@ZietInvests]

Please do share! So far my experience them is pretty solid eh (for investment and travel purpose)

[@RubenThomas1550]

That's a great advice video. I have a question for you ziet. If i was a president of the world and I was appointing you as 'finance minister' for world's economy would you take that role ?

[@ZietInvests]

Hello Ruben! That’s a super cool question 👀 honestly I wouldn’t, too much politics will be involved and I won’t be able to do what I like freely - the money & power that comes with it might not be worth the trade offs, but im sure there will be someone more qualified and eager than me to fill into that role😁 As for now, Im genuinely happy to make financial content without any restraint!

[@AhmedBey-mf6yz]

i have a problem when verify by passport all done payment done but wise say more verify by your adress document its so painfull wise receive payment and say after need more verify need

[@aidenho6085]

Hey Ziet, appreciate if you could help me with this. How do I transfer wise money to a local bank account in Malaysia?

[@andyleewengpoh9038]

Have you all used Wise card in Korea? Can you it in restaurants, convenience stores, shopping areas in Seoul? How much KRW can withdraw cash twice in ATM without fees?

[@waimun8583]

Does Wise charge a fee if I add money to my USD balance using USD from a local multi-currency savings account like HSBC Everyday Global?

[@apaappshpacd743]

ATM Cash limit in WISE is pathetic 250-300 per month. Even local ATM will charge cash out from WISE forget about overseas ATM. However very good for sending someone in different currency. As long as its digital its good. Problem comes when one needs cash

[@keavychong693]

In terms of overseas usage, would GX bank be better or Wise Card? 😅

[@The_Blueyonder]

Yes, very nice however we can't get one in Thailand. Still not available in many countries.

[@ZietInvests]

Aiya sorry to know that :X I hope they land in Thailand soon!

[@richardjacobson5236]

Hi. Do you know if topping up a wise account can be counted as online shopping for malaysian credit cards? (to acrue points)

[@AWSC88]

I find the auto conversion to be a nuisance sometimes as I was not able to choose the currency which I want to use for the payment regardless of savings. What I mean is if if I have an RM and SGD wallet and paying a GBP transaction. I was not able to choose to pay RM as I wanted to retain SGD for something else. So with the auto conversion they selected the SGD. I could be wrong. If anyone knows how to manually select a currency for payment pls let me know. Cheers

[@messi-nt7vc]

Just a question how much does it cost when i will fund my wise account ? Bcs from bahrain its showing me 1000usd will cost 15$ anyway so it will be 21 usd then when i will sell my etfs or stocks how much does interactive brokers charge me ? And when i withdraw to my bank account how much will be the fee ? Can u tll me So lets say if i invest 10000usd and its cost me 210 usd . When i will withdraw my 10000 lets say its become 11000 can i know how much interactive will charge me from withdrawing from ibkr to my bank account in bahrain ??

[@sokoro254]

can i use a friends credit card to transfer funds to my family overseas

[@lkk7821]

Can use wise apps to pay through Malaysia Duit Now QR?

[@JeffBrandenburg-bp4dm]

So while signing up for Wise, Plaid Is requesting my bank account information and login? Is this normal?

[@kevinchang18]

can we still use wise card in Taiwan?

[@butterflyyy8087]

Malaysian here. I have no idea why my wise card got declined several times when spending in Europe. The shops that I spent on were literally Starbucks & Louis Vuitton, not some random shops. And I did check that my EURO balance was enough. And one of the Singaporean accompanied us for the tour actually succeeded using his Wise card to make payment. I got so confused. Does anyone have any idea why did this happen?

[@HUI933]

Tried with physical card in Japan, Singapore and New Zealand with no problem at all! but the cash holding limit is just toooo low! if youre a frequent oversea flyer, its definitely not enough.

[@ZietInvests]

This is the common feedback from people! But thank you for sharing

[@veggie-mannn]

Yo bro, is it possible to withdraw USD money in IBKR going to a WISE account?

[@phheng62]

I also applied the Wise physical card on 06/04 with normal delivery (City Link). Yesterday I had already received the card & delivery can be faster but due to hari raya. Same time like to thank you from your expalanation on Wise. From the previous video shown how to use Wise, I finally decided to use Wise card for my overseas trip.

[@beWater2023]

As u mention there is RM20000 max holding on the Wise eWallet, how about if i want to transfer money to IB which exceed that amount ? For example i want transfer 30k USD to IB, any regulation on that ?

[@seabreeze667]

How is this different from normal credit cards??

[@jeyarajshankar]

I applied for the card online & requested the card to be delivered to my address out of Malaysia. Took about 3-4 weeks, but it arrived anyhow.

[@French_Connection]

I opened a wise account, but could not transfer money to it from Singapore Bank. There was NO support, but BS calls from Philippines (?)where they asked many things from their script for 30 minutes. But in the end I transfered money from Poland Bank after opening new wise account there with a new email. So, bottom line, there is NO wise service really.

[@rtheactech]

yupz i support Wise. normal account hold RM20k for all currency combine but unlimited to business account. This Wise partly act like bank but dont have interest or loans. so their "profits" partly from fees but yes as u know they also in stock which i just find out right now. LOL i know Wise got something in their professionalism but dint expect they into stocks as well n that in GBP. ouch...

[@annathongsk]

I have Wise card and GX Bank card. And I just back from UK which I use only GX Bank card due to their 1% cash back which made it cheaper than Wise card.

[@meenloo6216]

@annathongsk may I know when using the GX bank card overseas, does it auto convert the MYR we have in the card to the overseas currency of the country we’re in? Thank u!

[@annathongsk]

@@meenloo6216 it will convert at the spot rate at the time of transaction. The spot rate will be about the same with MasterCard conversion rate which are a bit higher than the xe rate but if you take in the 1% cash back given by GX Bank it will definitely cheaper than the mid rate. However oversea ATM cash withdrawal will not entitle for the 1% cash back. Since I was using it in UK which most transactions in UK are card transactions, it will be better off using GX Bank card rather than Wise card.

[@annathongsk]

@@meenloo6216 the GX Bank card will auto convert any foreign currency transactions into RM at the spot rate during the transactions (without markup by the bank). When the transactions settled, day after GX bank will credit back 1% of the amount into your GX Bank account. It is just like usual debit card transactions

[@NthabisengMohlala-jz1dk]

Can I top up my alipay with wize?

[@user-ue2qd7dh9d]

If we already transferred 25.87 USD via debit card but we pressed the wrong button to cancel the transfer. Will they transfer the money to me? Will I have to wait a long time? If you transfer next time Will there be any problems with the new transfer?

[@user-sm2lr3su8d]

Hey bro does it have any other platform like wise that has a physical card and works in the Caribbean ?

[@ZietInvests]

Hello! Im not very familiar with the Caribbean, but perhaps you can try checking out Revolut or Payoneer? They have very similar offerings to Wise

[@cattychong5497]

I am new to Wise card. I heard Wise card from a group of face book as I am planning a trip to Japan. I read some posts from face book saying about Wise card so convenience. I have a few questions about Wise card. 1. If I open an account and exchange US dollar to Japanese yen, the money will be from my personal bank. Am I correct? That means when i oepn an account, I have to link my bank account information to my wise account. Is it correct? Once the money is converted to Japanese yen, it will be sit on my wise account. Right now, US dollar is really strong to yen, I can convert the money to yen. When I arrive at Japan, I just used physical wise card to withdraw money. Am I correct? 2. Do I need to make any international transfer or any transfer before I can withdraw the money from my wise card for the trip? or I just need to withdraw the money from ATM machine in my country (US). If I withdraw too much yen in Japan, can I make a deposit put the yen back to my wise card from ATM machine? 3. Can I have multiples currency on my account, like Japanese yen and Hong Kong dollar or Euro? 4. Since you said no physical branch in any where, are there any phone numbers to get help or ask any questions in US?

[@jacobcrsn]

Did you figure out any of these? I have similar concerns

[@sooklingyap80]

Very interested to know more on wise Corporate account, possible to do one?

[@ZietInvests]

not something that i use at the moment but ill take note on that!!

[@yoshiYoishIRL]

I got the wise, really convenient for travelling! It took 2 days to receive because their branch is in puchong! Although my issue is that I wasn't able to open a business wise account in Malaysia to receive payments from clients for providing services. Have to be resident of US....😢Paypal allows it, but their fees and exchange rate is sooo stingyy

[@ZietInvests]

2 days - damn fast sia!

[@yoshiYoishIRL]

@@ZietInvests Yupp!! They gave an estimation 5 to 8 days to deliver. I was surprised it arrived earlier than expected

[@vister6757]

Try neteller?

[@yweiyuen3560]

I thought there's a SWIFT/BIC code or something similar for transfer? I'm just curious since I'm considering changing to wise from PayPal.

[@jarvis4.0]

Wait there is a wise branch in Puchong? 🤨

[@georgechang4821]

Hi, great video. Would like to know if not able to convert to certain currency like TWD through the app, can auto conversion still work? Thanks

[@shafiqshah7594]

I need a lot, but unfortunately not available in pakistan by the way great information thumbs up!

[@ZietInvests]

ahhh sry to hear that! But thank you so much for your nice comment brother.

[@limhanliang]

I also when to Japan but for my experience every place I when used card

[@ZietInvests]

I used a lot of cash there 🤣🤣🤣

[@shunae86]

Long time user here as well. Sadly, their conversion rate has been bad lately…. You can get much better rate at money changers, specifically USD & SGD

[@ZietInvests]

Yeah my US trip one was about 1%, but still, much lower than bank card

[@Lowthechng]

So many years down the road. It’ll be troublesome to withdraw from ibkr after investing a lot. How to realised and transfer back the money if wise cannot hold much.

[@ultimatejy9393]

upgrade to business accout or withdraw multiple times haha

[@wheretoretire3315]

You can only withdraw $350 per month at an ATM before you start paying high fees. Not great if you are travelling.

[@cybeleamorarceri2697]

6 days (delivered in Australia)

[@ChoonzXx]

30,000 yen withdrawal for 220 yen withdrawal fee is standard for all Visa card.

[@ZietInvests]

Wait until you factor in the exchange rate spread!

[@pchoon]

Samsung Pay does not support WISE debit card at this moment but Google Wallet yes.

[@WhiteGaming5883]

ya lo.. malaysia one tak de oh..

[@ZietInvests]

Ahhh i see, thanks for sharing!

[@muhdaimanharith]

I was one of the first person that register with wise when their first release.. the card literally send from Singapore 😂😂..

[@ggjoyce]

Hi ziet, have you tried deposit back remaining cash notes using in foreign country via their cash deposit machine?

[@ZietInvests]

Hi Joyce, I haven't tried that before! I usually just keep the cash notes for next time use haha

[@ggjoyce]

@@ZietInvests I actually tried it out. Able to withdraw cash smoothly, however when I need to deposit back, it could not recognize the debit card, so I just keep the big notes with me

[@emperorchung7570]

i have order my physical card for almost 6 months till now i have not receive my card yet. Worst delivery service !

[@gamingwithloki]

Anyone know regarding its Shariah status?

[@KakynKhok]

RM20,000 limit is very low as that's only about 4300 USD

[@olavthewiking3700]

0.7 percent is not a cheap. many cards in europe offer currency change fee below 1 percent. and they are credit cards, so you can use them in hotels, car rentals etc, where Wise is not accepted.

[@YoonAddictsHyohunnie]

Does WISE support conversion from other currency to another? let’s say i converted MYR to SGD, and then convert SGD to KRW? because I have gone thru the RHB Multi Currency account which it only allow to exchange from MYR to other currencies, but not from other currencies to the other.

[@johnricksteves4715]

Absolutely. U can use feature like that easily. I already using it 2 months. And it works flawlessly.

[@YoonAddictsHyohunnie]

@@johnricksteves4715 thanks for the answer!

[@rockylee4696]

Where do we got money to top up the wise card ? Is it suitable for unemployed?

[@user-tj3jt8md8b]

I applied for the card on 14/5/2024 and got it delivered on 17/5/2024. I am in Kuching.

[@gryblk21]

Can you use wise card (physical and virtual) with WeChat or Alipay in China?

[@PassionPno]

Yes, you can.

[@sooklingyap80]

This video on wise card relates to personal accounts?

[@ZietInvests]

yup personal one

[@TomRivieremusic]

How do you update a new Visa card? Thanks

[@ZietInvests]

Hi Tom, I have not done any update before - perhaps just order a new one? (apologies if I did not get your question correctly, you could try checking with their customer support!)

[@lauriefunke9895]

If you dont have the physical card can you download the balance to your bank acct?

[@PassionPno]

Download???

[@Aadrish100]

What is Normal time for wait-list for wise business account

[@PassionPno]

The business account is not available in Malaysia.

[@caseywong903]

Ziet - I might have asked this before in one of your previous videos but can't remember if there was a response. Can we transfer non RM fund directly into a foreign currency account in WISE? for example, moving USD 500 from a local bank's foreign currency bank account directly into WISE account as USD balance without exchanging from RM to USD.

[@ZietInvests]

Hi Casey, sorry i must have missed your previous comment. Re your question, you have to check whether your FCA allows such outbound transfer, as far as I know you can't do that in Wise (no FCA account funding option), but that doesn't mean you can't give a try sending USD from FCA to your Wise USD balance account (there should be a virtual USD account number). But best check with your FCA bank or Wise customer support coz personally i haven't done that before. Hope this answers!

[@caseywong903]

@@ZietInvests Thanks - I checked again and realize (different from last time I looked) it now have an ACH routing option for such a need, but being ACH means it needs to be a US bank account rather than a FCA of a local Malaysian bank.

[@paulmaccioni4398]

I will be traveling to mexico next month,can I use card or app in Mexico

[@ZietInvests]

as far as im aware of, yes!

[@chantung59]

My first card arrived after 3/4 months of waiting. I thought it got lost in mail so I cancelled the first card and ordered a second one but the first card arrived a week after I cancelled it. Now, 3 months in, I'm still waiting for my second card to arrive :S

[@ZietInvests]

Woah so long, have you tried pushing the customer support? Sometimes it might be lost in transit or actually delivered at guard house but not notified haha (happened to me many times with my shopee parcels)

[@chantung59]

@@ZietInvests i didnt try the CS because the mail they use doesn't have a tracking code. My guard house doesn't accept letters/ parcels anymore due to a change in management rule. :') A friend of mine got his after 2 weeks, his sister's only one week. Im not sure why mine takes such a long time

[@cheapogeorge9001]

Hi Ziet, I earn in USD and have funds in my Wise account. I prefer not to convert everything back to MYR due to the significant depreciation of MYR against USD. However, there is a limit on the amount I can hold in Wise. Do you have any suggestions on how I can invest or securely store the extra USD, perhaps in a highly secure account with protection? I am aware of Interactive Brokers from your recommendation, but I am concerned about the risks associated with stable stocks and ETFs like the SNP500, although very low. I am looking for a very secure option, similar to a savings account, that maybe can offer an annual interest rate of 2-3%, while ensuring safety.

[@ZietInvests]

Hi george, for your case, i usually just park my USD in my IBKR investment account, otherwise you can consider short-term treasury notes that can give 4-5% p.a. yield: kzbin.info/www/bejne/rmXOp2qaZc9raKMsi=tBmSf5PynnOCCQHV

[@cheapogeorge9001]

Tq bro!

[@cheapogeorge9001]

Hi Ziet, I follow your search and I noticed at the very top of the search there's a T-bill with STRIPS. What is the difference between STRIPS and the normal T-bill? Which one do you recommend picking? Thanks

[@6Sambora]

what about QR payments?

[@ultimatejy9393]

basically Wise is a multi currency debit card, so no QR to do with it.

[@PassionPno]

It doesn’t support QR. It’s a British company. Nobody uses QR payments in the UK.

[@nicksonchang3301]

too bad cant even use in China. And no remittance for NTB as well. But good enough for travel usage

[@ZietInvests]

Ahhh China...well XD (Thank you very much for chipping in!)

[@yweiyuen3560]

Then how to go around in china if Wise card is not usable?

[@nicksonchang3301]

@@yweiyuen3560 i use TnG ewallet Aka Alipay but April 25th onwards they will charge another 1% for overseas spending.

[@PassionPno]

@@yweiyuen3560 China doesn’t use card payments in general. They use AliPay and WeChatPay.

[@qamarul3589]

if one Malaysian working in Singapore , using wise to convert SGD to MYR would be good or is there any better option ziet ?

[@celinewong3089]

CIMB SG --> CIMB MY (Zero conversion fee）

[@greyspoon]

I have the same question

[@Rowafaedits194]

CAN i EDIT your KZbin videos?

[@maxliow]

Can I add the same card to Apple Pay and Google pay?

[@ZietInvests]

Yes!

[@shiawfuiang4632]

Is the app convineitn without physical card?

[@veggie-mannn]

As a user, I can say YES! 🙂

[@gaba7954]

but if we only have digital, how can we get the money from there in cash

[@ZietInvests]

You can withdraw them via ATM!

[@michaelthegreat44]

Just wish wish would apply QR payments in more countries , they fail big time in this regard

[@ZietInvests]

I guess its because different country uses different payment gateway, hence its very hard (or too expensive) for them

[@michaelthegreat44]

@@ZietInvests Possible however their competitor Revoult allows it, and you can use it in Switzerland, and their website has had the same information for near on 2 years that they are bringing more soon, but they don't . I like Wise , have transferred over $50k using it, but it could be so much better

[@wheretoretire3315]

I’ve been using Wise for years. There are advantages but, instead of increasing their functionality, they keep removing it. It’s not nearly as good as it used to be.

[@TheDavidLiou]

Do they still have the free debit card offer?

[@khhii5272]

Can do the comparison BigPay/ Gxbank and Wise Exchange rate.

[@PassionPno]

The exchange rate for GXBank is Mastercard’s rate. A quick Google will give you the answer.

[@Vincentmiaw99]

Around 1 week for sabah. Wait they have on Samsung pay?

[@ZietInvests]

Thanks for sharing! And yes, they are supported on Samsung Pay too: wise.com/help/articles/2977966/how-do-i-use-my-wise-card-with-samsung-pay

[@WhiteGaming5883]

@@ZietInvests not sure why i can't add to my samsung pay.. is it malaysia one not available??

[@nrose811]

​​@@WhiteGaming5883 same I cant add on my samsung pay too, only google wllet

[@theodorusdennis4572]

my card 8.50sgd 😅why not same

[@joanpetervincent6175]

in 4 days I received it

[@shanyong]

The fee Wise charges for sending money to an overseas bank account is very high.

[@ZietInvests]

not as expensive as banks if you take into account the conversion losses!

[@mmaranta785]

Way cheaper than a bank

[@2808drw]

I'm Norwegian living in Malaysia with an account in a Norwegian bank and no Malaysian account. Is that a problem?

[@PassionPno]

Yes, a big problem.

[@robertleong136]

I got mine in 2 days

[@ZietInvests]

Nice!

[@buddahfly313]

Can you use it in france

[@ZietInvests]

Can!

[@camp7flo]

Received my card in within 1 week. Very fast👍

[@ZietInvests]

That's fast!

[@camp7flo]

Yea...Sabah, Malaysia.

[@aidenho6085]

I got it within 4 working days

[@ZietInvests]

Nice! thanks for sharing aiden!

[@shukorfadzil4514]

only 2 day arrive...wow..normal postage

[@ZietInvests]

wow thats fast!

[@apaappshpacd743]

5:01 220 yen is ATM charge not for Wise but for any card so Wise has no role here. Also tell what amount is free? Only 200-300 bucks in a month

[@terencetcf]

There are some banks in Japan they don't charge 220 yen fees, for example: 7-Eleven bank