Usually M in women (USA). I'm probably leaning towards your actual height as the Large floats enough in my arms to lead me to believe a swimwear top would fit under an M. The main reason I went back without trying on a medium size is the material. It goes by the name of raglan, which looks more like a cotton t-shirt material than a typical swimwear material. It's soft enough, but right out of the bag, there were a few "scuffs" in places of material tension. Any scratchy surface will be a problem (like pulling yourself out of a pond or a jumping dog). And it was a little thinner than I expected from a rashguard, but certainly not super thin. At least not for me.
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