Multi-currency account · debit card
Wise
Move money across your two worlds.
Hold currencies, transfer money and spend with a linked card. Malaysia and Singapore accounts have separate pricing and limits.
- Best for
- Transfers & multiple currencies
- Cost to know
- MY card RM13.70 · SG card S$0
Currencies, transfers and a card.
Wise combines a multi-currency account with transfers and a linked debit card. Eligible personal cards issued in Malaysia and Singapore support Apple Pay and Google Pay.
FX: no markup is not no fee.
Wise uses the mid-market exchange rate and charges a conversion fee when currencies are exchanged. The fee varies by currency and amount; review the final quote. Spending an existing matching-currency balance does not need conversion.
Registered in Malaysia
- Physical / digital card
- RM13.70 / Free
- Monthly ATM allowance
- 2 withdrawals, up to RM1,000 combined
- Beyond the allowance
- 1.75% above RM1,000; RM5 per withdrawal after the first two. Both can apply.
Registered in Singapore
- Physical / digital card
- Free / Free; express delivery optional
- Monthly ATM allowance
- S$100; 1.75% on the amount above S$100
- Singapore ATMs
- Singapore-issued cards cannot withdraw locally in Singapore.
ATM operators may charge separately. These are personal card fees, not a quote for an international transfer.
Register where you actually live.
- Country of residence
- Eligible residents in Malaysia and Singapore can use Wise; country-specific verification applies.
- Malaysia documents
- Identity document, residential address and selfie. Foreign nationals use a passport; visa documents may be requested.
- Malaysia balance cap
- RM20,000 equivalent across all currencies and Jars
Malaysian nationality does not set the account’s fee schedule: your verified country of residence does. Check the supported-country and document steps in Wise before ordering a card.
A payment account, with safeguarding.
Wise is not a bank. In Malaysia and Singapore, customer money is held separately from Wise’s operating funds under the local safeguarding arrangements. This is distinct from a personal insured bank deposit.
A few useful answers
Is Wise a 0% FX-fee card?
There is no added markup to the mid-market rate, but converting currencies has a separate fee. It should not be described as free currency conversion.
Why do Malaysia and Singapore show different ATM limits?
The card’s registered country sets its pricing. Apply the relevant country allowance rather than combining the two.
Product terms & references
Checked 5 November 2026 · Provider pricing can change. Confirm the quote in the app before paying.