Hold up to 24 foreign currencies in one account

  • Allows you to manage a diversified currency portfolio in Malaysia with the ability for conversion of foreign currency to another foreign currency.

Hedge against foreign currency fluctuations

  • Enjoy potential foreign exchange gains when you hedge against fluctuations, depending on market conditions.

Diversify, diversify, diversify

  • Diversify to protect the overall monetary value since one currency’s decline strengthens the other currency’s value.

Attractive interest rate

  • Earn interest on short or long-term deposits with a consolidated monthly statement.

Instant currency conversion

  • All buying and selling of foreign currencies can be performed via RHB Now Internet Banking or at your RHB domicile branch.

Preferred rates

  • Enjoy exclusive currency conversion rates with Multi Currency Visa Debit Card to maximise the value of your foreign currencies.

List of 24 Foreign Currencies

US Dollar (USD)
Euro (EUR)
Singapore Dollar (SGD)
New Zealand Dollar (NZD)
Indonesia Rupiah (IDR)
Chinese Renminbi (CNY)
Japanese Yen (JPY)
Danish Krone (DKK)
Australian Dollar (AUD)
Swiss Franc (CHF)
South African Rand (ZAR)
Arab Emirates Dirham (AED)
Brunei Dollar (BND)
Pound Sterling (GBP)
Hong Kong Dollar (HKD)
Norwegian Krone (NOK)
Canadian Dollar (CAD)
Thai Baht (THB)
Saudi Riyal (SAR)
Swedish Krona(SEK)
Philippine Peso (PHP)
Bangladeshi Taka (BDT)
Pakistani Rupee (PKR)
Qatari Riyal (QAR)

Here’s how to convert Ringgit Malaysia to any of the 13 Foreign Currencies

Safe Haven

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

Hedge against inflation

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

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

  • 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

  • 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 to convert Ringgit Malaysia to any of the 13 Foreign Currencies

Choice of Accounts

You may invest in account type that suits your requirement:

Education & Employment Account (EDEA – Investment MCA)*

  • For parents/individuals to manage educational funds in foreign currencies in Malaysia and overseas;
  • For resident individuals who are employed overseas to retain oversea 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

Individual (INDA – Investment MCA)*

  • For resident/non-resident individual to retain investment funds from abroad, invest in foreign currency either from conversion of Ringgit, proceeds from overseas or foreign currency borrowing from a licensed onshore bank or non-resident;
  • For a resident without Domestic Borrowing, no limit applies for a conversion from Ringgit to Foreign Currency.

Choice of Deposit Types

Call Deposit*

  • Minimum initial call deposit of
    • Foreign Currencies : USD200 or its equivalent
    • Precious Metals : Paper Gold – 5 grams ; Paper Silver – 300 grams
  • 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 of USD2,000 or its equivalent
  • Interest paid upon maturity; and
  • No Term Deposit is allowed for paper gold and paper silver investment

Click here for latest Multi Currency Deposit Rates

RHB Multi Currency Visa Debit Card

First Multi Currency Account in Malaysia with a debit card that allows you to transact with Ringgit Malaysia and up to 13 foreign currencies.
RHB Multi Currency Visa Debit Card
RHB Multi Currency Premier Visa Debit Card

Stay unaffected by currency fluctuations

  • The exchange rates are locked in to protect your money from foreign currency fluctuations.

No currency conversion fee*

  • Transact with your preferred currencies on overseas retail spend with no extra charges.

Attractive interest rates*

  • Enjoy attractive interest rates on your account balance of selected foreign currencies.*

Safe and credible

  • Your deposit is protected by PIDM.

Instant Currency Conversion

  • Enjoy access to a fast, simple and seamless online banking experience no matter where you are.

Attractive currency conversion rate

  • Enjoy exclusive currency conversion rates for Debit Card. Convert with the lowest rate*.

Click here to Find Out More

Terms & conditions

Where do I start?

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Full name
Contact number
Email address

  • Residents and non-residents, individual aged 18 years and above, non-profit organisations, sole proprietors/associations, clubs and societies
How to Apply
Individual Accounts
  • Complete application and declaration form & 2 specimen signatures;
  • Identity card and/or passport;
  • For education purpose, to provide enrolment letter; or
  • For employment, to provide working visa

To open a Multi-Currency Account, it is compulsory to open a Ringgit Savings or Current Account with the domicile branch

All buying and selling of foreign currencies and precious metals can be performed via RHB Now Internet Banking or at your RHB domicile branch

*RHB Multi Currency Account is protected by PIDM up to RM250,000 for each depositor. MCA Gold Investment and MCA Silver Investment are not protected by PIDM. Click here for PIDM's DIS Brochure.