Ulasan Wise (Sebelumnya TransferWise) 2024: Cara Terbaik untuk Menghantar Wang ke Luar Negara

Imagine you’re an expatriate who needs to send money back home to support your family. You’ve been using traditional banks for years, paying high fees and dealing with slow transfer times. One day, a friend tells you about Wise, a service that promises low fees, fast transfers, and transparent exchange rates. Skeptical but hopeful, you decide to give it a try. To your surprise, your money reaches your family within hours, and the fees are a fraction of what you used to pay. This is just one of the many stories that highlight why Wise has become a game-changer in the world of international money transfers.

Now, consider a small e-commerce business that sources products from suppliers around the globe. Managing these international payments through traditional banks was costly and time-consuming, affecting their cash flow and profit margins. They switched to Wise and discovered significant cost savings due to the low fees and competitive exchange rates. Payments reach suppliers quickly, improving relationships and ensuring timely delivery of goods. This seamless process has allowed the business to focus more on growth and less on the complexities of international finance.

Wise, formerly known as TransferWise, has revolutionized the way people send money overseas. Since its founding in 2011, Wise has grown rapidly, attracting millions of users worldwide with its promise of transparent fees, real exchange rates, and fast transfer times. In 2024, Wise will continue to lead the market, providing a reliable and cost-effective solution for international money transfers.

This essay will provide an in-depth review of Wise, exploring its history, key features, and pricing. We will also delve into real-life testimonials and expert reviews to understand why Wise is considered the best way to send money overseas in 2024. Whether you’re an individual looking to support family abroad or a business managing international payments, Wise offers a compelling alternative to traditional banking methods.

Wise Rating

Wise is a highly popular and trusted money transfer platform, boasting a 4.3 rating from over 220,000 reviews on Trustpilot.

Background and Evolution

History of Wise

Wise was founded in 2011 by two Estonian friends, Taavet Hinrikus and Kristo Käärmann, who experienced firsthand the frustrations of transferring money internationally. Taavet, living in London, needed to send money to Estonia, while Kristo in Estonia needed to send money to the UK. They realized that by using the mid-market exchange rate and transferring money directly to each other’s bank accounts, they could save significant amounts on bank fees and poor exchange rates. This realization led to the creation of TransferWise, a peer-to-peer money transfer service designed to offer a fair and cost-effective alternative to traditional banking.

Transition from TransferWise to Wise

In early 2021, TransferWise rebranded to Wise. The name change reflected the company’s expansion beyond money transfers to a broader range of financial services, including multi-currency accounts and a debit card. The new name also underscored the company’s mission to make international banking “borderless” and more accessible to everyone.

Growth and Milestones

Wise has achieved several key milestones since its inception:

• 2011: TransferWise launches its first transfer route between the UK and Estonia.
• 2013: The company raises $6 million in Series A funding, led by Valar Ventures.
• 2015: Wise hits the $1 billion transfer mark and expands to the US market.
• 2016: Introduction of the Borderless account, allowing users to hold and manage money in multiple currencies.
• 2018: Wise reaches profitability and introduces its debit card.
• 2021: Rebrands from TransferWise to Wise, reflecting its broader range of services.
• 2021: Listed on the London Stock Exchange.

Current Market Position and User Base

As of 2024, Wise has established itself as a leading fintech company in the international money transfer space. It boasts over 10 million customers worldwide, including individuals, freelancers, and businesses. Wise handles over $5 billion in transfers every month, offering support for more than 50 currencies and providing a seamless, user-friendly experience across its platform. The company’s commitment to transparency, low fees, and speed has earned it a strong reputation and a loyal user base.

Ciri-ciri Utama

Transparent Fees and Exchange Rates

Wise’s money transfer service is the cornerstone of the company, originating from its days as TransferWise. This feature enables users to send money directly to recipients in over 50 currencies. The transfer fees are highly competitive, especially compared to traditional bank transfers, as Wise prioritizes low fees and employs mid-market exchange rates with zero markups.

Transferring money with Wise is both quick and straightforward. Depending on the currency and the recipient’s country, transfers are typically completed within a few hours to a maximum of two days.

One of Wise’s standout features is its transparent fee structure and commitment to offering the mid-market exchange rate. Unlike traditional banks and many other money transfer services that add a hidden markup to the exchange rate, Wise uses the real exchange rate you see on Google or Reuters. This ensures you get the fairest rate possible for your money transfers.

Breakdown of Fees:

• Fixed Fee: Wise charges a small, fixed fee for each transfer, which is clearly displayed before you confirm the transaction.
• Percentage Fee: In addition to the fixed fee, Wise charges a low percentage fee based on the amount being transferred. This fee is also transparently displayed upfront.

By clearly showing all fees and using the mid-market exchange rate, Wise allows customers to see exactly how much their transfer will cost and how much their recipient will receive.

Speed of Transfers

Wise is known for its fast transfer times, often completing transactions within hours. The speed of transfers depends on the currencies involved and the recipient’s bank, but in many cases, the money arrives on the same day.

How Wise Achieves Faster Transfers:

• Local Transfers: Wise uses a network of local bank accounts to process transfers. Instead of sending money across borders, Wise matches transfers between customers in different countries, minimizing the time and cost of international transfers.
• Automation and Technology: Wise leverages advanced technology and automation to streamline the transfer process, reducing manual intervention and speeding up transactions.

Multi-Currency Account

Wise’s multi-currency account offers users the flexibility to send, receive, and hold funds in over 50 different currencies, making it an excellent tool for managing expenses in multiple foreign currencies.

To utilize this feature, users simply open a balance in their chosen foreign currency and load it with their local currency. This can be done using various payment methods, including debit cards, credit cards, and others. For instance, if you deposit 1,000 USD into your USD balance but pay in GBP, the transaction will be converted at the mid-market exchange rate, ensuring you receive a fair rate without hidden markups. This feature is particularly beneficial for frequent travelers, freelancers, and businesses dealing with international clients.

Kad Debit Wise

The Wise debit card significantly expands the functionality of Wise beyond just money transfers. To get started, simply order your Wise card through your registered and verified Wise account, following the provided instructions.

With your Wise debit card in hand, you can easily top up balances in multiple currencies. This makes it an ideal choice for international travel, enabling you to spend like a local and avoid excessive fees, such as cash withdrawal and unfavorable exchange rates. Currently, the Wise debit card is available in over 70 countries, so be sure to check its availability and validity in your destination country before you travel.

Wise Digital Cards

Wise digital cards provide the same functionality as physical cards but with enhanced convenience and security for both online and in-store transactions when traveling abroad. Users can create up to three digital cards simultaneously, which simplifies managing expenses and gives better control over spending.

These digital cards offer an extra layer of security for online transactions. Each digital card has unique details, separate from your physical cards, and can be easily deleted after use, ensuring your financial information stays protected.

Perniagaan Wise

Wise Business is tailored specifically for enterprises, offering not only the core features available to personal account holders—such as transfers, cards, and multi-currency accounts—but also additional functionalities designed to meet the unique needs of businesses.

With Wise Business, account holders can execute batch payments to up to 1,000 recipients, grant team members access to both physical and digital cards, process invoice payments, and seamlessly integrate their Wise account with accounting software. The Wise Business debit card extends the same benefits as the personal debit card, allowing businesses to avoid extra ATM cash withdrawals and exchange rate fees when spending internationally.

These enhanced capabilities make Wise Business an ideal solution for enterprises managing cross-border transactions, providing a more efficient and cost-effective approach to international payments.

User-Friendly Platform

Wise offers a user-friendly platform accessible via its website and mobile app. The platform is designed to make sending money easy and intuitive, even for first-time users.

Platform Features:

• Simple Interface: The Wise interface is clean and straightforward, guiding users through each step of the transfer process.
• Real-Time Tracking: Users can track their transfers in real time, receiving updates at each stage of the transaction.
• Multi-Language Support: Wise supports multiple languages, making it accessible to users around the world.

👉 Dapatkan Akaun Wise PERCUMA ⮕

Wise’s Fees

Low and Transparent Fees

One of the major advantages of using Wise is its low and transparent fee structure. Unlike traditional banks and many other money transfer services that often include hidden fees, Wise provides a clear breakdown of costs before you make a transfer.

Breakdown of Wise’s Fees:

• Fixed Fee: Wise charges a small, fixed fee for each transfer. This fee is clearly displayed during the transfer process, so there are no surprises.
• Percentage Fee: In addition to the fixed fee, Wise charges a low percentage of the amount being transferred. This percentage fee is transparent and varies slightly depending on the currencies involved.

Contoh: If you are transferring 1,000 euros to British pounds, Wise might charge a fixed fee of 0.50 euros plus 0.35% of the amount being transferred. The total fee would be clearly shown before you confirm the transaction, allowing you to see exactly how much it will cost.

Kadar Pertukaran yang Kompetitif

Wise uses the mid-market exchange rate, which is the fairest rate available. This rate is the midpoint between the buying and selling rates of two currencies, without any added markup. Most banks and money transfer services add a hidden margin to the exchange rate, making transfers more expensive. By using the mid-market rate, Wise ensures that you get the best possible deal.

Example of Cost Savings: Let’s compare a transfer of 1,000 euros to British pounds:

• Traditional Bank: A traditional bank might offer an exchange rate that includes a 2-3% markup and charge an additional flat fee of 20 euros, resulting in a total cost of around 40 euros.
• Wise: Wise uses the mid-market rate and charges a total fee of around 5-7 euros, resulting in significant savings.

Customer Perception and Testimonials

Customers consistently praise Wise for its transparency and cost-effectiveness. Here are a few real-life testimonials that highlight the value for money offered by Wise:

Customer Testimonials:

• Anna from Germany: “I used to pay hefty fees to send money to my family in the UK. With Wise, the fees are much lower, and the exchange rate is unbeatable. I can see exactly what I’m paying for, which gives me peace of mind.”
• Mark from the USA: “As a freelancer working with clients in different countries, Wise has been a game-changer. The low fees and excellent exchange rates mean I get to keep more of my hard-earned money.”

Expert Analysis: Financial experts also recognize Wise for its value. Independent reviews often highlight Wise’s transparent fee structure and competitive rates as major advantages over traditional banking options.

Value for Businesses

Wise is not only beneficial for individuals but also offers significant value for businesses. Here’s how businesses can save money and manage international payments more effectively with Wise:

Business Benefits:

• Lower Operational Costs: Businesses can reduce the cost of international payments by using Wise’s low fees and competitive exchange rates.
• Multi-Currency Accounts: The Borderless account allows businesses to hold and manage multiple currencies, avoiding conversion fees when paying or receiving money from international clients and suppliers.
• Recurring Payments: Businesses can set up recurring payments for regular expenses, ensuring timely and cost-effective international transactions.

Business Testimonial:

• Global E-commerce Store: “Switching to Wise for our international payments has saved us thousands of dollars annually. The Borderless account simplifies managing multiple currencies, and the transparency in fees is unmatched.”

By offering low, transparent fees and competitive exchange rates, Wise provides exceptional value for both individuals and businesses. The significant cost savings and straightforward pricing model make Wise a preferred choice for many users worldwide.

Kebaikan dan Keburukan

While Wise offers numerous advantages for international money transfers, it’s important to consider both the benefits and potential drawbacks. Here’s a balanced view of Wise’s strengths and areas for improvement.

Kebaikan

1. Transparent Exchange Rates:

• Wise does not mark up its exchange rates, ensuring that you get the best possible deal based on the mid-market rate. This transparency means you always know the true cost of your transfer.

2. Fast Transfers:

• Transfers with Wise are typically processed within 24 hours, and in some cases, they can be completed even faster. This speed is a significant advantage over traditional bank transfers, which can take several days.

3. Wide Range of Currencies:

• Wise supports over 80 currencies, allowing you to send money to almost anywhere in the world. This broad range ensures flexibility and convenience for international transactions.

4. Low and Transparent Fees:

• Wise’s fee structure is clearly displayed before each transfer, eliminating hidden costs. The combination of a small fixed fee and a low percentage fee based on the transfer amount ensures affordability.

5. User-Friendly Platform:

• The Wise website and mobile app are designed to be intuitive and easy to use, even for first-time users. Features like real-time tracking and multi-language support enhance the user experience.

6. Strong Security Measures:

• Wise employs advanced security measures, including two-factor authentication and data encryption, to protect users’ accounts and personal information. As a regulated financial institution, Wise adheres to strict compliance standards.

7. Good Customer Support:

• Wise offers 24/7 customer support, ensuring that help is always available when you need it. This level of service provides peace of mind for users making international transfers.

8. Multi-Currency Account Access:

• Wise’s multi-currency account allows users to hold, manage, and transfer money in over 50 currencies. This feature is particularly beneficial for frequent travelers, freelancers, and businesses with international clients.

9. Available in 70+ Countries:

• Wise’s services are available in over 70 countries, enabling users to spend like locals abroad and avoid high conversion fees.

10. Varying Payment Options:

• Wise offers multiple payment methods, including bank transfers, Wise accounts, and debit/credit cards, providing flexibility in how you send money.

Keburukan

1. Higher Transfer Fees for Some Currencies:

• While Wise’s transfer fees are generally low, some currencies may incur higher fees. It’s important to check the fees associated with your specific currency pair before making a transfer.

2. Uncertain Transfer Time:

• Although Wise aims to complete transfers within a few hours to a day, the exact time can vary depending on the currencies and banks involved. Users are provided with an estimated delivery time but not an exact arrival time.

3. 48-Hour Limit on Fixed Exchange Rates:

• Wise guarantees the exchange rate for 48 hours. If there are delays beyond this period, the rate may fluctuate, potentially affecting the amount received.

4. Limited Customer Support Channels:

• Wise’s customer support is primarily available through email, with limited phone support. This can be a drawback for users needing immediate assistance outside regular business hours.

5. No Cash Delivery Option:

• Wise does not offer cash delivery services, meaning funds can only be sent to bank accounts or debit cards. This limitation may be inconvenient for recipients who prefer cash.

6. No Interest on Balances:

• Balances held in Wise accounts do not accrue interest. Users looking to earn interest on their funds may need to transfer money to other financial products.

7. Higher Fees for Certain Payment Methods:

• Some payment methods, like debit and credit cards, may incur higher fees. Users should be aware of these potential additional costs when selecting their payment method.

8. No Dedicated Account Management:

• Wise does not offer dedicated account management services, which may be a drawback for larger businesses requiring more personalized support.

By understanding the pros and cons of using Wise, users can make an informed decision about whether it is the right service for their international money transfer needs. Wise’s transparent fees, competitive exchange rates, and user-friendly platform offer significant benefits, while potential limitations include higher fees for some currencies and limited customer support channels.

Real-Life Reviews and Testimonials

To understand the practical benefits and effectiveness of Wise, let’s delve into real-life reviews and testimonials from both individual users and businesses.

Customer Testimonials

Anna from Germany: Personal Transfers

Anna is a German expatriate living in the United States. She regularly sends money to her family in Germany to help with expenses and support her elderly parents. Before discovering Wise, Anna used traditional banks, which charged high fees and offered poor exchange rates, resulting in significant costs for her.

Anna’s Experience with Wise:

• Transparency and Savings: “With Wise, I know exactly what I’m paying for. The fees are transparent, and the exchange rate is the best I’ve found. I save a lot of money on each transfer compared to using my bank.”
• Kelajuan Pemindahan: “The transfers are incredibly fast. My family usually receives the money within a few hours, which is a huge relief compared to the several days it used to take.”
• User-Friendly Platform: “The Wise app is very easy to use. I can initiate a transfer in just a few minutes, and I love being able to track the transfer in real-time.”

Mark from the USA: Freelance Work

Mark is a freelance graphic designer who works with clients worldwide. Managing international payments was a challenge for him, with high fees eating into his earnings.

Mark’s Experience with Wise:

• Cost-Effective Transfers: “Wise has significantly reduced my transaction costs. The low fees and competitive exchange rates mean I keep more of my hard-earned money.”
• Borderless Account Benefits: “The multi-currency Borderless account is a game-changer. I can hold balances in different currencies and convert them when the rates are favorable. It’s made managing my finances so much easier.”
• Convenient Debit Card: “The Wise debit card allows me to spend my earnings directly from my account. I can withdraw cash from ATMs when I travel, with minimal fees. It’s incredibly convenient.”

Business Testimonials

Global E-Commerce Store: International Supplier Payments

A global e-commerce store, headquartered in the UK, frequently purchases goods from suppliers in Europe and Asia. Managing these international payments through traditional banks was costly and time-consuming, affecting their cash flow and profit margins.

Business Experience with Wise:

• Lower Operational Costs: “Switching to Wise for our international payments has saved us thousands of dollars annually. The transparent fees and real exchange rates are far better than what we used to get with our bank.”
• Improved Cash Flow: “The speed of transfers has improved our cash flow. Payments reach our suppliers much faster, which has strengthened our relationships and ensured timely delivery of goods.”
• Efficient Multi-Currency Management: “The Borderless account allows us to hold and manage multiple currencies, which is perfect for our international transactions. We can avoid unnecessary conversion fees and better manage our finances.”

Tech Start-Up: Paying Remote Employees

A tech start-up based in the USA employs remote workers from various countries. Managing payroll for their international team was a complex and costly process until they started using Wise.

Business Experience with Wise:

• Cost Savings: “Using Wise for payroll has significantly reduced our costs. The low fees and favorable exchange rates mean we can offer competitive salaries without breaking the bank.”
• Seamless Payments: “The process of setting up recurring payments for our remote employees is straightforward. Payments are made on time, and our employees appreciate the transparency and speed.”
• Simplified Financial Management: “Wise’s platform is user-friendly and efficient. We can easily manage our payroll and other international payments, which frees up our time to focus on growing the business.”

Expert Reviews

Financial experts have also praised Wise for its innovative approach to international money transfers. Here’s what some experts have to say:

Expert Analysis:

• Transparency and Value: “Wise stands out for its commitment to transparency and value for money. The use of the mid-market exchange rate and low fees makes it a top choice for individuals and businesses looking to save on international transfers.”
• User Experience: “Wise offers a seamless and user-friendly experience. The platform is designed to be intuitive, making it accessible even for those who are not tech-savvy. The ability to track transfers in real-time adds an extra layer of confidence for users.”
• Security and Compliance: “As a regulated financial institution, Wise adheres to strict security standards. The robust verification process and data encryption ensure that users’ information and money are well-protected.”

By examining these real-life testimonials and expert reviews, it’s clear that Wise provides significant benefits for both personal and business users. The cost savings, speed, and ease of use make Wise a preferred choice for international money transfers.

Menyediakan Akaun Wise

Mencipta Akaun

Bermula dengan Wise adalah proses yang mudah. Ikuti langkah ini untuk membuat akaun anda:

1. Lawati Laman Web Wise:
   • Klik butang “Dapatkan Akaun Wise PERCUMA” di bawah untuk pergi ke tapak web Wise.

👉 Dapatkan Akaun Wise PERCUMA ⮕

1. Daftar:
   • Klik pada butang "Buka akaun".
   • Anda boleh mendaftar menggunakan alamat e-mel anda atau akaun Google atau Facebook untuk proses pendaftaran yang lebih pantas.
2. Pilih Jenis Akaun:
   • Pilih antara akaun peribadi dan akaun perniagaan berdasarkan keperluan anda. Jika anda bercadang untuk menggunakan Wise untuk tujuan perniagaan, pilih akaun perniagaan; jika tidak, pilih akaun peribadi.
3. Pilih Negara Anda:
   • Pilih negara tempat anda tinggal daripada menu lungsur. Contohnya, jika anda tinggal di AS, pilih Amerika Syarikat dan klik pada "Teruskan."
4. Sahkan Nombor Telefon Anda:
   • Masukkan nombor telefon anda dan klik pada "Hantar Kod Pengesahan."
   • Sebaik sahaja anda menerima kod, masukkannya dalam medan yang disediakan dan klik pada "Serah."
5. Tetapkan Kata Laluan:
   • Pilih kata laluan yang kukuh untuk akaun Wise baharu anda. Masukkan kata laluan dan klik pada "Teruskan."
6. Akses Papan Pemuka Anda:
   • Selepas membuat akaun anda, anda akan melihat tiga pilihan. Buat masa ini, klik pada pautan "Tentukan kemudian" di bahagian bawah untuk meneruskan ke papan pemuka akaun Wise anda.

Inilah yang anda akan lihat setiap kali anda log masuk ke akaun Wise anda. Papan pemuka ialah hab pusat anda untuk mengurus pemindahan, melihat baki dan mengakses ciri Wise yang lain.

Dengan mengikuti langkah ini, anda akan berjaya mencipta akaun Wise anda dan boleh mula meneroka ciri platform untuk menguruskan pemindahan wang antarabangsa anda dengan cekap.

Proses Pengesahan

Mengesahkan akaun Wise anda adalah penting untuk keselamatan dan pematuhan peraturan. Berikut ialah panduan terperinci tentang cara melengkapkan proses pengesahan.

1. Mengesahkan Alamat E-mel Anda

Apakah Pengesahan E-mel? Pengesahan e-mel ialah proses mengesahkan kesahihan dan pemilikan alamat e-mel. Wise menggunakan langkah ini untuk mengesahkan pengguna, memastikan semua akaun selamat. Dengan mengesahkan e-mel anda, Wise boleh membantu dalam pemulihan akaun dengan lebih baik dan memberitahu anda tentang sebarang perubahan yang tidak dibenarkan pada akaun anda.

Bagaimana Saya Mengesahkan Alamat E-mel Saya?

• Apabila anda mendaftar dan memberikan e-mel anda, anda akan menerima permintaan pengesahan dalam peti masuk anda.
• Klik pada pautan dalam tempoh masa yang ditetapkan untuk mengesahkan alamat e-mel anda.
• Jika anda tidak mengesahkan e-mel anda, anda mungkin mendapat akses terhad kepada akaun anda.

Apa Berlaku Jika Akaun Saya Dikompromi?

• Jika anda percaya alamat e-mel yang salah telah disahkan pada akaun anda, hubungi sokongan Wise dengan segera.

2. Pengesahan Identiti

Mengapakah Wise Mengesahkan Identiti Saya?

Sebagai sebuah institusi kewangan, Wise perlu mengetahui siapa yang menggunakan perkhidmatannya untuk memerangi pengubahan wang haram dan memastikan wang semua orang selamat. Bergantung pada tempat anda menghantar wang dan jumlah yang anda hantar, Wise akan meminta anda mengesahkan identiti anda.

Jenis Pengenalan Diterima:

• pasport (halaman foto sahaja)
• Kad Pengenalan Kebangsaan (kecuali ID tentera AS)
• Lesen Memandu Foto (Lesen Memandu Elektronik tidak diterima)

Pengecualian dan Keperluan Khusus:

• Penduduk EU/EEA: Lesen memandu tidak diterima.
• Penduduk New Zealand: Mesti mengesahkan identiti dan alamat; Kad Akses Kiwi tidak diterima.
• Menghantar JPY: Mesti mengesahkan Nombor Saya bersama ID saya.
• Kad Pengenalan Brazil: Diterima jika dikeluarkan dalam tempoh 15 tahun yang lalu.
• Dokumen Nigeria: Hanya pasport, lesen memandu dan kad pengenalan kebangsaan terkini diterima.
• ID Keluaran Kerajaan Rusia: Tidak diterima untuk pelanggan baharu atau untuk pengesahan semula.

Dokumen Lain Diterima:

• Pasport dari negara lain
• Lesen memandu dari negara lain
• Kad pemastautin tetap/Visa kerja
• Salinan pewarganegaraan atau sijil kewarganegaraan
• Visa pelajar atau visa lain yang sah selama lebih daripada 6 bulan

Keselamatan Maklumat Anda: Semua data, butiran kewangan atau dokumen anda yang diberikan kepada Wise disimpan dengan selamat, disulitkan dan dirahsiakan mengikut dasar privasi Wise.

Menyelesaikan Masalah Pengesahan:

• Penolakan Dokumen: Pastikan semua maklumat boleh dilihat, sah dan sepadan dengan butiran pada akaun Wise anda. Muat naik kedua-dua belah jika dokumen mempunyai maklumat di kedua-dua belah.
• Tiada Maklum Balas daripada Wise: Pastikan anda telah menyediakan dan membayar untuk pemindahan anda kerana Wise memulakan pengesahan hanya selepas menerima pembayaran. Semak e-mel anda untuk kemas kini.

3. Mengesahkan Alamat Anda

Mengapa Alamat Pengesahan?

Sebagai sebuah institusi kewangan, Wise perlu mengesahkan alamat penggunanya untuk memerangi pengubahan wang haram dan mengekalkan keselamatan.

Dokumen Bukti Alamat yang Diterima:

• Bil utiliti (gas, elektrik atau telefon talian tetap)
• Perjanjian penyewaan atau penyewaan
• Penyata bank atau kad kredit
• Bil cukai majlis atau pemberitahuan HMRC
• Pendaftaran kenderaan atau dokumen cukai
• Lesen memandu bergambar menunjukkan alamat dan tarikh luput anda
• Dokumen yang dikeluarkan oleh kerajaan atau institusi kewangan

Dokumen Tidak Diterima:

• Penyata atau bil yang lebih lama daripada 3 bulan
• Alamat peti surat
• Alamat bukti yang dikeluarkan kepada perniagaan
• Penyata Wise atau resit pemindahan

Nota Penting:

• Jika diminta, sediakan dokumen berasingan untuk pengesahan ID dan alamat.
• Gunakan alamat kediaman anda jika negara anda mengenali kedua-dua alamat berdaftar dan alamat kediaman.
• Dokumen daripada Pihak Berkuasa Tempatan atau institusi yang diberi kuasa FCA yang dikeluarkan dalam tempoh 12 bulan yang lalu juga boleh diterima.
• Perjanjian penyewaan mesti memaparkan alamat, nama anda, nama tuan tanah anda, tandatangan dan tarikh penyewaan.

Garis Masa Pengesahan:

Proses pengesahan biasanya mengambil masa beberapa jam hingga beberapa hari. Anda akan menerima pemberitahuan e-mel setelah dokumen anda disemak dan diluluskan.

Dengan mengikuti langkah ini, anda boleh melengkapkan pengesahan akaun Wise anda, memastikan pemindahan wang yang selamat dan cekap.

Menyediakan Profil Anda

Selepas akaun anda disahkan, tiba masanya untuk menyediakan profil anda:

1. Lengkapkan Profil Anda:
   • Isikan sebarang butiran tambahan yang diperlukan untuk profil anda. Ini mungkin termasuk menambah kaedah pembayaran (seperti akaun bank atau kad debit) dan menetapkan mata wang pilihan anda.
2. Peribadikan Pengalaman Anda:
   • Sesuaikan tetapan akaun anda mengikut keutamaan anda. Ini termasuk menyediakan pemberitahuan, memilih bahasa pilihan anda dan memautkan akaun lain jika perlu.

Dengan mengikuti langkah ini, anda akan bersedia untuk mula menggunakan Wise untuk pemindahan wang anda.

Menguruskan Mata Wang Anda

Salah satu ciri menonjol Wise ialah keupayaan untuk memegang dan mengurus berbilang mata wang. Berikut ialah cara anda boleh memanfaatkan sepenuhnya ciri ini:

1. Menambah Mata Wang:
   • Untuk menambah mata wang baharu pada akaun anda, pergi ke bahagian "Jumlah Baki" dan klik pada "Buka". Anda boleh memilih daripada pelbagai jenis mata wang yang disokong oleh Wise.
2. Baki Pegangan:
   • Setelah anda menambahkan mata wang, anda boleh menyimpan baki dalam mata wang itu. Ini amat berguna jika anda kerap menerima bayaran dalam mata wang yang berbeza atau jika anda kerap melakukan perjalanan dan ingin mengelakkan yuran penukaran.
3. Menukar Mata Wang:
   • Jika anda perlu menukar wang antara mata wang yang berbeza, Wise memudahkannya. Hanya pilih amaun yang anda ingin tukar, pilih mata wang sasaran dan Wise akan menunjukkan kepada anda kadar pertukaran dan sebarang yuran sebelum anda mengesahkan penukaran.

Membuat Pemindahan

Memindahkan wang ke luar negara dengan Wise adalah proses yang mudah. Berikut ialah panduan terperinci untuk membantu anda melalui setiap langkah.

Bersedia untuk Pemindahan

Sebelum anda memulakan pemindahan, pastikan anda mempunyai maklumat berikut:

• Butiran Penerima: Nama penuh, nombor akaun bank dan, jika berkenaan, kod SWIFT/BIC bank.
• Jumlah dan Mata Wang: Tentukan jumlah yang anda ingin hantar dan mata wang yang terlibat (cth, menghantar dalam euro, menerima dalam pound British).

Proses Pemindahan Langkah demi Langkah

1. Mulakan Pemindahan:
   • Klik pada Hantar butang di bahagian atas sebelah kiri papan pemuka.
2. Masukkan Butiran Pemindahan:
   • Pilih mata wang yang anda mahu hantar dan mata wang yang sepatutnya diterima oleh penerima. Contohnya, jika anda menghantar 1,000 euro dan penerima akan menerima pound British, pilih pilihan ini dengan sewajarnya.
3. Pilih Jenis Pemindahan:
   • Wise menawarkan beberapa jenis pemindahan, setiap satu dengan kelajuan dan bayaran yang berbeza:
     • Pemindahan Cepat: Bayar dengan kad debit atau kredit untuk pemprosesan yang lebih cepat, tetapi dengan bayaran yang lebih tinggi.
     • Pemindahan Kos Rendah: Hantar wang secara manual daripada akaun bank anda ke akaun Wise, yang kemudiannya memindahkan dana kepada penerima. Kaedah ini lebih murah kerana ia mengelakkan bayaran kad.
     • Pemindahan Mudah: Hantar wang terus daripada bank anda menggunakan pembayaran dalam talian, dengan bayaran yang lebih tinggi sedikit daripada pindahan kos rendah.

   Bagi kebanyakan pengguna, Pemindahan Kos Rendah disyorkan kerana keseimbangan kelajuan dan bayaran yang rendah.

4. Yuran dan Kadar Semakan:
   • Wise akan menunjukkan yuran dan jumlah yang akan diterima oleh penerima. Sebagai contoh, jika anda menghantar 1,000 euro, Wise mungkin mengenakan bayaran sebanyak 5.14 euro dan penerima akan menerima yang setara dalam pound British selepas potongan yuran.
   • Anda juga boleh melihat kadar penukaran dan cara kadar penukaran itu telah berkembang sejak beberapa bulan lalu. Kadar biasanya dijamin untuk tempoh tertentu, yang berbeza-beza bergantung pada mata wang yang terlibat.
5. Berikan Butiran Peribadi:
   • Pilih sama ada pemindahan adalah peribadi atau perniagaan.
   • Masukkan butiran peribadi anda untuk tujuan pengesahan, kerana Wise ialah institusi kewangan yang dikawal selia. Langkah ini memastikan keselamatan dan pematuhan.
6. Masukkan Butiran Penerima:
   • Tentukan sama ada anda menghantar wang kepada diri sendiri atau orang lain.
   • Berikan butiran e-mel dan akaun bank penerima. Jika anda tidak mempunyai butiran bank, Wise boleh menghantar e-mel kepada penerima untuk mendapatkan maklumat ini.
   • Bergantung pada lokasi penerima, anda mungkin perlu memilih antara butiran bank tempatan atau butiran akaun bank antarabangsa (cth, IBAN).
7. Sahkan Identiti Anda:
   • Lengkapkan proses pengesahan identiti dengan mengimbas ID dan wajah anda. Ini boleh dilakukan melalui pautan yang dihantar ke e-mel anda atau dengan mengimbas kod QR.
8. Sebab Pemindahan:
   • Pilih sebab pemindahan, seperti peribadi, perniagaan atau lain-lain.
9. Semak dan Sahkan:
   • Semak semula semua butiran dalam ringkasan untuk memastikan semuanya betul.
   • Sahkan pemindahan dan teruskan ke pilihan kaedah pembayaran.
10. Pilih Kaedah Pembayaran:
    • Pilih cara anda mahu membiayai pemindahan. Pilihan termasuk pindahan bank manual (disyorkan untuk yuran yang lebih rendah), kad debit/kredit atau perbankan dalam talian.
    • Ikut arahan untuk memindahkan dana ke akaun bank Wise. Pastikan anda memasukkan nombor rujukan yang diberikan untuk memastikan pembayaran anda dikaitkan dengan betul.
11. Selesaikan Pemindahan:
    • Sebaik sahaja anda membuat pembayaran, Wise akan memproses pemindahan. Anda boleh menjejaki kemajuannya dalam papan pemuka di bawah bahagian "Pemindahan".
    • Anda akan menerima kemas kini tentang apabila wang itu diterima oleh Wise, apabila ia ditukar dan apabila ia dihantar ke akaun bank penerima.

Menjejaki Pemindahan Anda

• Kemas Kini Masa Nyata: Wise menyediakan kemas kini masa nyata tentang status pemindahan anda.
• Pemberitahuan: Sediakan pemberitahuan e-mel atau SMS untuk menerima kemas kini.
• Sejarah Perpindahan: Akses sejarah pemindahan anda untuk melihat butiran transaksi lalu.

Menavigasi langkah ini memastikan proses pemindahan wang yang lancar dan cekap dengan Wise.

👉 Dapatkan Akaun Wise PERCUMA ⮕

Future of Wise

As Wise continues to grow and evolve, the company is committed to enhancing its services and expanding its offerings. Here’s a look at what’s on the horizon for Wise and how it plans to stay ahead in the competitive fintech landscape.

Upcoming Features and Developments

1. Expanded Currency Support

• New Currencies: Wise aims to support even more currencies, making it easier for users to send money to and from a wider range of countries. This expansion will address the current limitations and provide more options for users worldwide.

2. Enhanced Borderless Account Capabilities

• Additional Features: Wise plans to introduce new features to the Borderless account, such as higher interest rates on held balances and more sophisticated financial tools for managing multiple currencies.
• Improved User Experience: Continuous improvements to the user interface and additional functionalities will make the Borderless account even more user-friendly and versatile for both personal and business use.

3. Advanced Payment Options

• Mobile Wallet Integration: Wise is working on integrating with popular mobile wallets and payment platforms, allowing users to fund transfers and make payments directly from their mobile wallets.
• Cryptocurrency Support: As digital currencies gain traction, Wise is exploring options to support cryptocurrency transactions, providing users with more flexibility in how they send and receive money.

4. Business Solutions Expansion

• Corporate Accounts: Wise plans to introduce more tailored solutions for businesses, including corporate accounts with advanced features like bulk payments and integration with accounting software.
• Invoice Management: New tools for businesses to manage invoices and payments efficiently, streamlining international transactions and improving cash flow management.

5. Partnership and Ecosystem Growth

• Strategic Partnerships: Wise is forming partnerships with other fintech companies and financial institutions to expand its ecosystem and provide users with more comprehensive financial services.
• API Enhancements: Improved APIs will allow third-party developers to integrate Wise’s services into their own platforms, fostering innovation and expanding Wise’s reach.

Vision and Goals

1. Making International Banking Truly Borderless

• Global Financial Inclusion: Wise’s long-term vision is to create a borderless financial world where everyone has access to affordable and transparent financial services, regardless of their location.
• Simplifying International Transactions: By continually reducing the cost and complexity of international money transfers, Wise aims to make it as easy to send money across borders as it is domestically.

2. Sustainability and Ethical Practices

• Green Initiatives: Wise is committed to sustainability and is exploring ways to reduce its carbon footprint. This includes offsetting the carbon emissions of its operations and encouraging sustainable practices within the company.
• Ethical Financial Services: Wise prioritizes transparency, fairness, and ethical practices in all its services, ensuring that users can trust the company to act in their best interests.

3. Technological Innovation

• Cutting-Edge Technology: Wise will continue to invest in cutting-edge technology, including AI and blockchain, to enhance its services and ensure the highest levels of security and efficiency.
• Data Security: As cyber threats evolve, Wise is dedicated to maintaining the highest standards of data security, protecting users’ information, and ensuring safe transactions.

4. Customer-Centric Approach

• User Feedback Integration: Wise values user feedback and integrates it into its development process to continuously improve its services. Regular updates and enhancements are based on real user experiences and needs.
• 24/7 Support: Expanding customer support options, including 24/7 availability and multilingual support, to ensure users can get help whenever they need it.

5. Expanding Global Presence

• New Markets: Wise is focused on entering new markets and expanding its presence in existing ones. This includes obtaining necessary licenses and building partnerships to offer services in more countries.
• Local Solutions: Developing solutions tailored to the specific needs of users in different regions, ensuring that Wise remains relevant and valuable to a diverse global audience.

Wise’s commitment to innovation, transparency, and customer satisfaction positions it well for continued success in the future. By expanding its services, enhancing existing features, and staying true to its core values, Wise aims to remain the best choice for international money transfers.

Fikiran Akhir

Wise has revolutionized the way people send money internationally by offering a transparent, low-cost, and user-friendly solution. Its commitment to fair exchange rates, fast transfers, and continuous innovation makes it the best choice for both personal and business users looking to manage their international finances efficiently.

If you haven’t yet experienced the benefits of Wise, now is the perfect time to start. With its straightforward setup process and significant cost savings, Wise can transform the way you handle international money transfers. Whether you’re supporting family abroad, managing freelance income, or running a global business, Wise provides the tools and features to make your financial transactions seamless and affordable.

Wise is constantly evolving, with new features and enhancements regularly being introduced. Stay updated with Wise’s latest developments by visiting their website and following their blog. This will help you make the most of Wise’s offerings and stay informed about new ways to save on international transfers.

Start your Wise journey today and discover why millions of users worldwide trust Wise for their international money transfer needs. Experience the ease, transparency, and savings that come with using Wise, and see for yourself why it’s the best way to send money overseas in 2024.

👉 Dapatkan Akaun Wise PERCUMA ⮕

Soalan Lazim

Is Wise Money Transfer Safe?

• Yes, Wise is a secure platform for transferring money. It uses advanced security measures, including two-factor authentication and data encryption, to protect users’ accounts and personal information. As a regulated financial institution, Wise adheres to strict compliance standards to ensure the safety of all transactions.

Is Wise Legit?

• Absolutely. Wise is a legitimate and reputable company that has been in operation since 2011. It is listed on the London Stock Exchange and serves millions of customers worldwide. Wise is regulated by financial authorities in multiple countries, further confirming its legitimacy.

How Does Wise Work?

• Wise operates by using the mid-market exchange rate, the fairest rate available, without adding a hidden markup. Users can send money to over 80 countries by creating an account, verifying their identity, and initiating a transfer through the Wise platform. The money is transferred locally within each country, minimizing costs and speeding up the process.

Can I Pay My Credit Card Bill with Wise?

• Typically, Wise is used to transfer money to bank accounts or debit cards rather than directly paying credit card bills. You may transfer money to your bank account and then use those funds to pay your credit card bill. However, it’s best to check with Wise and your credit card provider for specific options.

Is Wise Trustworthy?

• Yes, Wise is considered trustworthy. It has a high rating on Trustpilot, with a score of 4.3 out of 5 from over 220,000 reviews. The company is known for its transparency, low fees, and commitment to providing a secure platform for international money transfers.

Can I Receive My Salary on Wise?

• Yes, you can receive your salary in your Wise account. Wise provides local bank details in multiple currencies, making it easy for employers to send payments directly to your Wise account. This is particularly useful for freelancers and remote workers who receive payments from international clients.

Can I Use Wise as a Bank Account?

• While Wise offers many features similar to a bank account, such as holding multiple currencies and receiving payments, it is not a traditional bank. Wise does not offer services like loans or savings accounts with interest. However, it is a great tool for managing and transferring money internationally.

Can You Send Money from Wise to PayPal?

• Direct transfers from Wise to PayPal are not supported. However, you can transfer money from Wise to your bank account and then add those funds to your PayPal account. This two-step process allows you to use both services effectively.

Does Wise Accept Credit Cards?

• Yes, Wise accepts credit cards as a payment method for transfers. However, using a credit card may incur higher fees compared to other payment methods such as bank transfers. It’s important to review the fees before making a transfer with a credit card to ensure it meets your needs.