Precious Metals Investment

An account that allows you to invest in Gold/ Silver commodity at market spot prices without the need to keep physical gold/silver.


Safe Haven

Safe Haven

  • Precious Metals have been considered as an ideal hedge for financial market risks.
Hedge against inflation

Hedge against inflation

  • Precious metals offer unique inflationary protection—they have intrinsic value, they carry no credit risk and cannot be inflated.
Product Diversification

Product Diversification

  • Investing in precious metals diversifies your portfolio and helps keep a healthy balance between physical assets and stock assets while maintaining the portfolio’s value even in crisis times.
Precious Metals provide excellent liquidity

Precious Metals provide excellent liquidity

  • Easiest assets for everyday investors to buy and sell via RHB Online Banking at your convenience.


  • Precious metals have tremendous upside price appreciation potential and an attractive alternative for investors looking for more long-term investment approach.
No worries about storage and insurance cost

No worries about storage and insurance cost

  • Paper gold and silver investments keep away your worries about storage. Storing physical gold at home will drive up your home contents insurance and additional cost.

Purchase Paper Gold & Paper Silver now*.


Click here to check out the latest prices

Here’s how you can convert Ringgit Malaysia
into your Multi Currency Account

RHB Online Banking

RHB Mobile Banking App



Visit any RHB Branch to open an account

Start your investments right away

For details please refer to Product Disclosure Sheet, alternatively please talk to your relationship manager or visit the nearest RHB Branch.

Where do I start?

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The returns of RHB's Multi Currency Account Precious Metals Investment are subject to Gold and Silver price fluctuation. Customers are advised to read and understand the product disclosure sheet before making any investment. Multi Currency Account Gold Investment and Multi Currency Account Silver Investment are not protected by PIDM.
The RHB Multi Currency Account Precious Metals Investment basically allows company or Individual to invest in paper form of precious metals that is Gold and Silver. These precious metals investments will be managed under the current RHB Multi Currency Account. With RHB Multi Currency Account, customers can now invest in Gold and/or Silver alongside 33 foreign currency deposits, making RHB Multi Currency Account truly a diversified "one account".
  • Daily fluctuation of precious metal prices due to international and local precious metal market conditions
  • Performance of the US dollar exchange rate against Ringgit, as precious metals are predominantly quoted in US dollars
  • International and local news that are directly or indirectly related to the precious metal market that results in investors being either bullish or bearish in precious metal holding
  • Most importantly, Bank Negara Malaysia's Foreign Exchange Policy Notices in the tightening or liberalization of policies related to precious metal investment and foreign exchange in general
  • Ideal for residents and non-residents
  • For companies or individuals
  • Simple Over-the-Counter application
  • Affordable as we calibrate the US dollar Gold and Silver market in ounces into smaller grams in Ringgit investment. Please click on Precious Metals Exchange Rate offered by RHB
  • Flexible initial purchase and subsequent investment: - Gold: Individual – 5 grams; Company – 50 grams - Silver: Individual – 300 grams; Company – 1,000 grams
  • Company and Individual Multi Currency Account can now be used to invest in Gold and/or Silver with no minimum or maximum limit to be maintained in the RHB Multi Currency Account
  • Consolidated monthly statement
  • Convenient balance checking at your finger tips via RHB Online Banking
  • Potential higher returns from appreciating Gold and Silver prices
  • Best possible hedges against inflation
  • Competitive Gold and Silver exchange prices quoted by RHB
  • Resolve physical Gold and Silver storage and insurance requirements
  • Affordable avenue for investment portfolio building and diversification
  • No withholding tax and brokerage fee
You can start investing immediately via RHB Online Banking or by visiting any RHB branch.
Visit your nearest RHB Bank branch to open a RHB Multi Currency Account and a Ringgit Savings or Current Account. Once these accounts are activated, you can start investing in Gold and/or Silver as well as the supported foreign currencies. Click here for more information.
  • Account Opening
    Minimum initial investment
    - Gold: Individual – 5 grams; Companies – 50 grams
    - Silver: Individual – 300 grams; Companies – 1,000 grams


  • Minimum initial deposit
    - Individual - USD200.00 or equivalent
    - Company - USD5,000.00 or equivalent
    in any of the supported foreign currencies
  • Monthly/Yearly Maintenance
  • Minimum Balance
  • Conversion Gold and/or Silver to/from RM
No. Physical conversion of Gold and Silver from your Multi Currency Account is not available. Any deposit or withdrawal of Gold and Silver must be converted from or to your Ringgit account.
Your Precious Metals Investment i.e. Gold and Silver balance is not insured under PIDM.
  • No, it is not principal protected as an investment in precious metal is purely buying and selling based on daily precious metal pricing
  • However, in due time, we will be offering Gold structured product that is principal protected with good interest return
Product Dislosure Sheet