Cheapest and safest way to send money back to Malaysia from overseas?

Good that you avoiding runners, those unlicensed money changers can vanish with your money and it's illegal. Legit cheaper options I've used: (1) Licensed digital remittance services (the app-based ones) usually beat bank TT on both fees and exchange rate, transfers often arrive same day or minutes to a Malaysian bank account. Compare a few because the effective rate (after their margin) differs. (2) Multi-currency accounts let you hold the foreign currency and convert when the rate is good, then transfer, saving on poor spot rates. (3) Bank TT is the most expensive usually, use only if you need it. Key safety points: only use providers licensed by the relevant regulator (in Malaysia, remittance is regulated by Bank Negara, check they're a licensed remittance/money services business), and never a random 'faster cheaper' WhatsApp runner. Always compare the total cost = fee + the exchange rate margin, the 'zero fee' ones sometimes hide it in a worse rate. Send a test small amount first with any new service. Confirm a provider's licence status before trusting them with big sums.