One of the stupid echange rate ever seen. When received found exchange rate $1=3.92RM right after nex minute when i send found $1=4.32 RM. So that means when you received found already loss 5% and when send loss %15. So they charge 20% then advertising no transfer fee! What a bloody jock! 😂 i can't even change back to doller, because they wanna convert and eat my money 20% 😂