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Sending money smarter

WaveTransfer is a Malaysia-based phygital fintech platform connecting digital financial services with trusted physical exchange partners, making cross-border money movement simpler, faster, and more transparent.

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Our story

WaveTransfer, a product of Moneywave, makes sending and managing money across borders simple and transparent.

Backed by 30 years of expertise in remittance and currency exchange, Moneywave combines digital technology with real-world exchange access to give users more choice, better rates, and full control over their money.

What we stand for

Speed

Speed

Money should move as fast as life does

Transparency

Transparency

Clear pricing and visibility at every step

Control

Control

Users decide how and when their money moves

Security

Security

Built on strong safeguards and compliance

Accessibility

Accessibility

Digital convenience with real-world access

Looking ahead

Looking ahead

WaveTransfer is continuously evolving, with upcoming features like cards, business accounts, and investment options that give users more ways to manage, move, and grow their money.

We serve

  • Individuals managing personal cross-border finances
  • SMEs handling international payments and payroll
  • Businesses supporting foreign workers
  • FX and remittance partners

Compliance & Trust

WaveTransfer operates in line with applicable Malaysian regulatory requirements and works closely with trusted financial and FX partners to ensure a secure and reliable experience.

Bank Negara Malaysia
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Be part of the Wave

Discover how WaveTransfer is reshaping the way money moves.

Scan QR to download Wavetransfer App

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© WaveTransfer 2026
WaveTransfer is a service operated by Moneywave Sdn. Bhd. (Company No. 199401041877 (327565-T)), a company incorporated in Malaysia and licensed by Bank Negara Malaysia under the Money Services Business Act 2011 to conduct remittance and currency exchange business. Licence validity and regulatory status may be verified via the Bank Negara Malaysia Money Services Business licensee directory.