Money2046 · Route comparator
See what actually lands.
Which eligible route leaves the most usable MYR — at an acceptable speed and risk.
Transfer Ranked by what lands
No verified quotes yet — the ledger shows what we track until real quotes are collected and approved.
Data status: rows below are the comparison schema, not published numbers. Every published value gets a source, capture time, effective date and confidence via the Watch. Methodology →
Verified matches
Lowest Bank transfer (SWIFT)
All-in cost 1.5–4% Arrival 1–5 days Protection High (regulated) NOT VERIFIED
Cost breakdown + evidence
USD pay-in — Often free · source pending
USD → MYR conversion — 1.5–4% hidden in rate · source pending
SWIFT network — Fee + correspondent fees · source pending
MYR credit — Often free · source pending
MYR bank deposit — Free · source pending
High Wise-class specialist
All-in cost ~0.4–0.8% Arrival Hours Protection High (regulated) NOT VERIFIED
Cost breakdown + evidence
USD pay-in — Varies by method · source pending
USD → MYR conversion — Transparent fee on mid-market · source pending
Proprietary network — Included · source pending
MYR credit — Included · source pending
MYR bank deposit — Free (within limits) · source pending
Medium Registered exchange (MYR off-ramp)
All-in cost 1–3% (deposit + trade + withdrawal) Arrival Hours–1 day Protection Medium (regulated exchange) NOT VERIFIED
Cost breakdown + evidence
USD pay-in (wire/FPX) — Deposit fee or free · source pending
USD → MYR trade — Exchange spread · source pending
Exchange ledger — Included · source pending
MYR withdrawal (FPX) — Withdrawal fee · source pending
MYR bank deposit — Free (within limits) · source pending
High Wise-class specialist
All-in cost ~0.4–0.8% Arrival Minutes–hours Protection High (regulated) NOT VERIFIED
Cost breakdown + evidence
SGD pay-in (PayNow) — Often free · source pending
SGD → MYR conversion — Transparent fee · source pending
Proprietary network — Included · source pending
MYR credit (DuitNow) — Included · source pending
MYR bank deposit — Free (within limits) · source pending
Alternative rails
Stablecoin paths — faster and often cheaper, but custody and execution risk are yours. Never silently ranked above regulated routes.
Medium–High Stablecoin (USDC/USDT) via P2P
All-in cost 0.5–2% spread Arrival Minutes Protection Low (execution risk yours) NOT VERIFIED
Cost breakdown + evidence
USD → stablecoin on-ramp — Exchange fee + spread · source pending
Peg transfer — Network fee (cents) · source pending
Blockchain transfer — Network fee · source pending
Stablecoin → MYR (P2P) — P2P spread 0.5–2% · source pending
MYR bank deposit — Varies by counterparty · source pending
Medium–High Stablecoin (USDC/USDT) via P2P
All-in cost 0.5–2% spread Arrival Minutes Protection Low (execution risk yours) NOT VERIFIED
Cost breakdown + evidence
SGD → stablecoin on-ramp — Exchange fee + spread · source pending
Peg transfer — Network fee (cents) · source pending
Blockchain transfer — Network fee · source pending
Stablecoin → MYR (P2P) — P2P spread 0.5–2% · source pending
MYR bank deposit — Varies by counterparty · source pending
Medium–High Stablecoin (USDT) via P2P
All-in cost 0.5–2% spread Arrival Minutes Protection Low (execution risk yours) NOT VERIFIED
Cost breakdown + evidence
USDT pay-in (wallet) — Network fee (cents) · source pending
Peg transfer — Network fee (cents) · source pending
Blockchain transfer — Network fee · source pending
USDT → MYR (P2P) — P2P spread 0.5–2% · source pending
MYR bank deposit — Varies by counterparty · source pending
Medium–High Stablecoin (USDC) via exchange
All-in cost 0.5–2% spread Arrival Minutes–hours Protection Medium (regulated exchange, execution risk yours) NOT VERIFIED
Cost breakdown + evidence
USDC pay-in (wallet) — Network fee (cents) · source pending
Peg transfer — Network fee (cents) · source pending
Blockchain transfer — Network fee · source pending
USDC → MYR (exchange) — Exchange spread 0.5–2% · source pending
MYR bank deposit — Varies by exchange · source pending
Disclosure: Money2046 may earn affiliate commissions from links on this site — at no cost to you. We only recommend what we've actually tested or verified. Nothing here is financial advice; crypto products carry risk, and stablecoin yields are not guaranteed. Always do your own research.