You're an adventurous globetrotter, and you're about to embark on a journey that will take you to far-flung corners of the world. What's the one thing you absolutely need? A travel debit card! But not just any card – you need a card that's as enthusiastic about your adventures as you are. Enter BigPay and Wise, two incredible options that will elevate your travel game beyond your wildest dreams.
These fantastic cards aren't your ordinary debit cards. They're like magical wands that grant you the power to make international transfers, seamlessly convert currencies, conquer international ATMs, and so much more. With all these incredible features at your disposal, the only question that remains is: Which one do you choose? Fear not, fellow adventurer, as we're about to take a thrilling dive into the realms of BigPay and Wise. By the end, you'll be equipped to make the most exhilarating choice of your travel life!
BigPay
Let's start our journey with BigPay. This blue card offers online accounts and linked payment cards. But it doesn't stop there – you can pay your bills, send money worldwide, take personal loans, and even make mobile payments, all with just your trusty smartphone and a local phone number. BigPay is like your ultimate travel companion, ready for any adventure!
Here are some of the enchanting features you'll discover with BigPay:
- BigPay card: It's like a magical passport that lets you transact in multiple currencies, online and in person.
- BigPay budgeting: Unleash your inner financial wizard with analytic tools to track, categorize, and receive instant spending notifications.
- BigPay payments: Pay bills, send money to fellow BigPay adventurers, or embark on international transfers to select destinations.
- BigPay rewards: As if that's not enough, you'll be showered with referral bonus payments and AirAsia points for your spending escapades.
- BigPay loans: Need an extra boost for your journey? BigPay has your back with digital personal loans arranged right through their app.
And what's not to love about BigPay? You can use it at over 40 million merchants worldwide! Plus, it offers contactless payments, so you can simply tap and pay – faster than deciphering QR codes. There's no need to worry about overdrafts and excessive fees; BigPay works its magic like a debit card.
The card is closely connected to your smartphone app, so you can effortlessly monitor your spending in both foreign and Malaysian currencies. And if you ever misplace your card, fear not; just freeze it through the app and order a brand new one. Best of all, the international ATM withdrawal fee is a mere RM10, regardless of the amount you need. It's the perfect sidekick for your grand adventures!
Wise
Now, let's venture into the realm of Wise, formerly known as TransferWise. Wise offers international accounts and cards that are accessible to individuals and business owners in nearly every corner of the world. With Wise, you can hold over 50 different currencies, receive payments in up to 10 currencies without a fee, and spend effortlessly with your linked card in a staggering 170+ countries. It's like having the world in the palm of your hand!
Wise's currency exchange is truly enchanting. It uses the mid-market exchange rate, combined with transparent fees that can make your foreign transactions up to 3 times cheaper compared to traditional Malaysian banks and the likes of BigPay. It's like having a magical treasure chest of foreign currencies at your disposal.
And here's the best part: Wise allows you to withdraw cash from overseas ATMs without any exchange rate fees since it already holds foreign currencies. With Wise, you're getting the mid-market exchange rate every time you spend or make a payment. And the cherry on top is the lack of withdrawal fees for up to two withdrawals, valued at RM1,000 per month, after which it's only 5 MYR plus 1.75%. It's like an endless stream of treasures for your journey!
Which one is for you?
Now, the moment of truth: which one should you choose? The answer may lie in your personal preferences. If you're looking for a versatile companion that offers personal loans, local bill payments, and budgeting tools, then BigPay is your go-to. It's perfect for those who venture overseas occasionally.
On the other hand, if you're a frequent globe-trotter who loves to dive into international transactions, Wise is your ultimate match. With Wise, you can hold and exchange dozens of currencies in one account, and you'll always get the mid-market exchange rate whenever you need to spend or make a payment. It's like having the world's currencies at your fingertips!
So, fellow adventurer, the choice is yours! Whether you opt for BigPay or Wise, you're embarking on a thrilling journey of a lifetime, armed with the perfect travel debit card. Bon voyage!
