Before I discovered touchNGo method, I was using ChangiRecommends, but 6-12hrs wait..
Apply Youtrip Debit card.
Download TouchNGo App.
TouchNGo eWallet topup via YouTrip Debit card -> topup any msian telco prepaid while in SG.
Once top up, click prepaid.
Youtrip is very useful for overseas payment.. I ordered my fast food using youtrip.
TouchNGo is useful in Msia too, it is like EZLink, can use in convenient stores.
Youtrip is overseas ATM card.
Insert card in ATM, enter pin, then click Withdraw, click Saving Account, enter sum to RM200 up to 1500.
And cash out foreign currency without losing much exchange rate.