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- Cross-border Remittance Solutions
Cross-border Remittance Solutions
Airwallex Card
Leading cross-border business financial platform, providing one-stop payment solutions for global enterprises.
Wise Business Card
Money without borders, moving your funds globally with the most transparent and lowest cost.
Airwallex Card
A cross-border business financial platform regulated in multiple jurisdictions (including HK MSO, UK FCA, etc.), compliant with SOC1/2 security standards.
Wise Business Card
Committed to transparent exchange rates and fees, covering 160+ countries, providing a local-like transfer experience for individuals and businesses.
Fast Arrival
95% of transactions arrive within 24 hours
Bank-grade Security
Regulated by global financial authorities
Cost Optimization
Using mid-market exchange rates
Financial Automation
Integrated with Xero/QuickBooks
- Advantages for Foreign Property Clients
Global Local Bank Accounts
Local account details in 20 major currencies, making overseas property rent collection or payments as easy as having a local bank account.
Lock & Discount for Large Transactions
Lock exchange rates for 24-71 hours for large property transactions, with automatic discounts based on transaction volume.
All-round Payment Flexibility
Supports Wise debit cards and integrates with Apple Pay & Google Pay for property-related expenses anywhere, anytime.
- Difference from Traditional Banks
| Comparison Item | Traditional Bank | Digital Solution (Airwallex / Wise) |
|---|---|---|
| Exchange Rate | Retail markup 3-7% |
Middle Exchange Rate (Actual Exchange Rate) |
| Speed | 1-5 business days | Instant - within 24 hours |
| Fees |
Multiple & opaque (Wire fees, intermediary fees) |
Transparent, low-cost fees |
| Operation | Counter limits, tedious paperwork | 100% Online 24/7 |
| Fund Usage | Used for lending & investment | Lending prohibited by law, assets segregated |
Why is Digital Remittance Fast & Cheap?
Core Concept: Local-to-Local Network
Traditional Bank
Traditional bank transfer is like 'International Registered Mail', passing through multiple intermediaries, time-consuming and expensive.
Digital Solution
Digital solutions use local network connections, making cross-border transfers as simple as 'Instant Messaging'. Funds are deposited locally and paid out locally.
Who should open an account?
Whether you are an individual investor or a large enterprise, our integrated financial solutions meet your cross-border needs.
| Your Identity / Need | Recommended Platform | Reason |
|---|---|---|
| Individual Property Investor / Owner | Wise Business Card | Quick individual account opening, intuitive interface, suitable for small to large remittances. |
| Expats / International Travelers | Wise Business Card | Physical debit card for global ATM withdrawals and local spending. |
| Registered Business (Sdn Bhd) | Airwallex Card | Powerful business account, supports 60+ local collections, ideal for corporate finance. |
| E-commerce Sellers / Service Providers | Airwallex Card | Enterprise spend management tools and powerful accounting software sync. |
Built for Enterprises & Organizations
Integrate global payments, optimize cash flow, and enhance competitiveness.
First Choice for Individuals & SMEs
Open account quickly, enjoy transparent rates and fast remittance.
TOMO's real estate support in Malaysia ｜ Latest real estate information ｜ Latest rental property information ｜ Purchase procedure/flow ｜ Costs related to real estate transactions ｜ Malaysian property ownership ｜ TOMO's property management service
