- open a free account in Moneybookers.com (use the currency you most used, else eat up alot of fees; for example: if u currently use MYR in your account, and u received USD -- fees, if you send USD in your MYR account -- fees..)
- add a bank to your profile
- verify your driving license (optional, but for security and increase limit)
- received some money in your moneybookers account
- withdraw to bank
- wait for 3 days (up to 1 week -- for first time)
- money in bank!!