Malaysia
Benefits
  • Our Multi Currency Account allows you to manage a diversified currency portfolio in Malaysia, with the ability for conversion of foreign currency to another foreign currency. You can also convert foreign currency into Ringgit account or vice versa.
  • Other benefits include undertaking foreign currency funds from abroad, hedging against foreign currency fluctuations, buying/selling of paper gold and/or paper silver using Ringgit only and avoiding double conversions for receivables and remittances to and from other countries.
  • All buying and selling of foreign currencies and precious metals can be performed via RHB Now Internet Banking or at your RHB domicile branch
Earn interest

Earn interest on short and long-term deposits with a consolidated monthly statement and enjoy potential foreign exchange gain depending on market conditions.

Wide range of currencies including precious metals
  • US Dollar (USD)
  • Euro (EUR)
  • Singapore Dollar (SGD)
  • New Zealand Dollar (NZD)
  • Indonesia Rupiah (IDR)
  • Chinese Renminbi (CNY)
  • Japanese Yen (JPY)
  • Australian Dollar (AUD)
  • Swiss Franc (CHF)
  • South African Rand (ZAR)
  • Arab Emirates Dirham (AED)
  • Brunei Dollar (BND)
  • Pound Sterling (GBP)
  • Hong Kong Dollar (HKD)
  • Canadian Dollar (CAD)
  • Thai Baht (THB)
  • Saudi Riyal (SAR)
  • Paper Gold (GLD)
  • Paper Silver (SLV)
For more information on RHB MCA Precious Metals Investment clickhere
Choice of Accounts
You may invest in account type that suits your requirement:

Call Deposit
  • Minimum initial call deposit of
    • USD1,000 or its equivalent for individuals
    • USD5,000 or its equivalent for companies
  • Initial call deposit for precious metals
    • Paper Gold: Individual-5 grams; Companies-50 grams;
    • Paper Silver: Individual-300 grams; Companies-1,000 grams;
    • Interest rates calculated daily and credited at month end except for Paper Gold and Paper Silver investment;
    • No minimum withdrawal amount required
  • Interest rate calculated daily and credited at month end except for Gold and Silver investment
  • No minimum withdrawal amount
Term Deposit
  • Similar to fixed deposit;
  • Tenure ranging from 1 week to 12 months;
  • Minimum initial term deposit requirement
    • USD2,000 or its equivalent for individual;
    • USD10,000 or its equivalent for companies;
  • Interest paid upon maturity; and
  • No Term Deposit is allowed for paper gold and paper silver investment

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Eligibility
  • Company Account
    Export Proceeds Account (EXPA)
    • For exporter only, to retain unlimited export proceeds
    • Allowed to merge with Non-export Proceeds Account
  • Non-Export Proceeds Account (NEPA)
    • For non-exporter to receive unlimited proceeds from all types of non- export invoices, consultation charges, services fees, royalty fees, dividends, rentals or any investment abroad proceeds;
    • Allowed to merge with Export Proceeds Account

  • Individual Account
    Education & Employment Account (EDEA)
    • Sources of funds from Ringgit conversion or from overseas;
    • For parents/individuals to manage educational funds in foreign currency in Malaysia, Labuan Offshore and overseas;
    • For resident individuals who are employed overseas to retain overseas salaries and investment funds from abroad;
    • For non-residents employed in Malaysia to retain foreign currency salary received from overseas or in Malaysia, inclusive of Ringgit conversion; and
    • At any time, this account's outstanding balance cannot exceed USD150,000 in Malaysia, USD150,000 in Labuan Offshore and USD50,000 in overseas banks

  • Individual (INDA)
    • For individuals to invest in foreign currency either from conversion of Ringgit or proceeds from overseas;
    • No limit for residents on conversion from Ringgit to foreign currency if domestic borrowing is limited to ONE housing loan and ONE vehicle loan; and
    • Open to non-residents
Required Documents
  • Company Accounts
    • Complete application and declaration form & 2 specimen signatures; and
    • Company/board resolution, M&A, Cert. Of Incorporation & Form 24 & 49
  • Individual Accounts
    • Complete application and declaration form & 2 specimen signatures;
    • Identity card and/or passport;
    • For education purposes, provide enrolment letter; or
    • For employees, provide working visa

    *To open a Multi-Currency Account, it is compulsory to open a Ringgit Savings or Current Account with the domicile branch
Deposit Account Type
    Call Deposit
  • Minimum initial call deposit of
    • USD1,000.00 or its equivalent for individuals
    • USD5,000.00 or its equivalent for companies
  • If initial call deposit starts with precious metals
    • Gold: Individual – 5 grams; Companies – 50 grams;
    • Silver: Individual – 300 grams; Companies – 1,000 grams;
  • Interest rate calculated daily and credited at month end except for Gold and Silver investment;
  • Ringgit conversion to foreign currencies allowed;
  • Conversion between foreign currencies allowed;
  • No minimum withdrawal amount required

  • Term Deposit
  • Similar to fixed deposit;
  • Tenure ranging from 1 week to 12 months;
  • Minimum initial term deposit requirement
    • USD2,000.00 or its equivalent for individual;
    • USD10,000.00 or its equivalent for companies;
  • Interest paid upon maturity; and
  • No Term Deposit is allowed for gold investment