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How to fund back to Malaysia

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Good day!

Recently facing a problem to fund back to Malaysia and had been rejected by bank with reason: against the foreign exchange act.

1) Had been check with all the major bank included foreign bank where they can't accept any fund that profit from index, forex, oil or gold trade. How other Malaysian who are trade in personal account to fund back to Malaysia?

2) How to open a personal bank account in Singapore? What is their requirements?

3) whether able to fund back to Debit card like PayPal or other Debit card like BigPay?

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