Send money from Malaysia to more than 80 countries

Grey is built for people in Malaysia whose income or whose commitments sit outside the country. African students and graduates in Kuala Lumpur, Cyberjaya and Selangor are the largest group, sending money home and receiving money for fees. Alongside them sit freelancers billing clients abroad in dollars, expatriate staff in Penang and Johor paid on an overseas payroll, and Malaysian companies settling with suppliers and contractors in other countries.

The account that makes this work is a Grey US dollar account provided by Lead Bank, which carries US routing and account numbers. An employer, a client or a platform abroad can pay into it the way they would pay any American account, and the dollars stay in Grey until you decide where they go. You can also wire dollars in from another bank, or send from a balance you are already holding.

Sending is a conversion followed by a payout. You choose the destination, Grey converts your dollars into the local currency at a rate shown before confirmation, and the money arrives in the recipient's own bank account or mobile wallet. Nobody at the other end needs a Grey account, and nothing has to be collected in person.