Resources

I would only personally recommend things I used and would give 5 stars here.

1. WISE CardWho is it best for?

• People who travel internationally frequently.

• Digital nomads and remote workers paid in foreign currencies.

• Expats sending or managing money across borders.

• Students studying abroad.

• Anyone who wants a simple, cheap way to spend money online in foreign currencies.

In summary: The Wise card is arguably the best debit card on the market for international spending and ATM withdrawals due to its transparency and low cost. It's a financial tool for managing money across borders efficiently. However, if you seek credit benefits, rewards, or purchase protection, a good no-foreign-fee credit card would be a better primary spending tool, with the Wise card as a perfect backup for ATM withdrawals.

2. CIMB Singapore Debit Card

• Send SG to MY CIMB directly and get the best exchange rate

• Use your CIMB Debt card in MY to avoid queuing to exchange money (come on is 2026...)