• Multi Currencies
  • Precious Metals

Store up to 24 foreign currencies in one account and earn interest on selected foreign currencies at the same time

Highlights and Benefits

24 Foreign Currencies in One Account

Manage a diversified currency portfolio in Malaysia with the ability of conversion from one foreign currency to another foreign currency.

Diversify, Diversify, Diversify

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

Instant Currency Conversion

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

Hedge Against Fluctuations

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

Attractive Interest

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

Preferred Rates

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

RHB Online Banking

Enjoy a world of banking features and solutions anytime, anywhere such as managing your finances, paying bills, transfer funds and more.

List of Foreign Currencies

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)
Bangladeshi Taka
(BDT)
Pakistani Rupee
(PKR)
Philippine Peso
(PHP)
Qatar Riyal
(QAR)
Danish Krone
(DKK)
Norwegian Krone
(NOK)
Swedish Krona
(SEK)

Multi Currency Account conversion rates.

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Check out the latest Multi Currency Account conversion rates.

Find Out More

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

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An account that allows you to invest in Gold/Silver commodity at market spot prices without the need to keep physical Gold/Silver
Highlights and Benefits

Safe Haven

Precious metals are considered an ideal hedge against financial market risks.

Product Diversification

Precious metals diversify your portfolio and help keep a healthy balance between physical assets and stock assets while maintaining the portfolio’s value, even in times of crisis.

Appreciation

Precious metals have tremendous upside price appreciation potential and are an attractive alternative for a long-term investment approach.

Inflation Protection

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

Liquidity

Easiest assets for every-day investors to buy and sell conveniently via RHB Online Banking.

Convenience

Paper gold and silver investments are worry-free. Storing physical gold at home drives up the cost of your home contents insurance and related costs.

RHB Online Banking

Enjoy a world of banking features and solutions anytime, anywhere such as managing your finances, paying bills, transfer funds and more.

Purchase paper gold and paper silver now.
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Check out the latest prices of paper gold and paper silver.
Find Out More
Here’s how to purchase precious metals via RHB Now Internet Banking.
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Choose your preferred account type.

RHB Education & Employment Account

Education & Employment Account
(EDEA-Investment Multi Currency Account)

  • For parents/individuals to manage educational funds in foreign currencies locally and overseas.
    • For resident individuals 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 (after Ringgit conversion).

        RHB Individual Investment Multi Currency Account

        Individual
        (INDA - Investment Multi Currency Account)

        • For resident/non-resident individuals to:
          • Retain investment funds from abroad.
          • Invest in foreign currency either from conversion of Ringgit or foreign currency borrowing from a licensed onshore bank.
        • For residents without Domestic Borrowing to:
          • Convert Ringgit to any Foreign Currency, no limits apply.

        Choose your deposit type.

        Call Deposit

        • Minimum initial call deposit:
          • Foreign Currencies: USD 200 or its equivalent
          • Precious Metals: Paper Gold (5 grams). Paper Silver (300 grams).
        • Interest rate calculated daily, credited at month end, except for Gold and Silver investments
        • No minimum withdrawal amount.

        Term Deposit

        • Tenure ranging from 1 week to 12 months.
        • Minimum initial term deposit of USD2,000 or its equivalent.
        • Interest paid upon maturity.
        • No Term Deposit allowed for paper gold and paper silver investments.
        Click here for latest Multi Currency Deposit Rates

        Eligibility

        Residents and
        non-residents

        Individuals aged 18 years and above

        Non-profit organizations and clubs and societies

        Sole proprietors/
        associations

        Here’s How You Can Apply.

        To open a Multi Currency Account, it is compulsory to open a Ringgit Current or Savings Account.
        All buying and selling of foreign currencies and precious metals can be performed via RHB Now Internet Banking or at your RHB domicile branch.

        Complete application and declaration form.

        Provide a copy of your identity card and/or passport.

        For education purposes

        Provide the relevant enrolment letter from an educational institution.

        For employment

        Provide working visa

        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 16 foreign currencies.

        Stay Unaffected By Currency Fluctuation

        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 spending with no extra charges.

        Attractive Interest Rates

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

        Safety and Credibility

        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.

        Preferred Conversion Rates

        Enjoy exclusive currency conversion rates with Multi Currency Visa Debit Card. Convert your preferred currencies with preferential rates.

        Find Out More

        Achivements of distinction

        Best Multi Currency Account Malaysia 2022Awarded by Global Banking & Financing Awards 2022

        Best Forex Bank Malaysia 2022Awarded by Global Banking & Financing Awards 2022

        Best Islamic Multi Currency Account Malaysia 2022Awarded by Global Banking & Financing Awards 2022

        Best Islamic Forex Bank Malaysia 2022 Awarded by Global Banking & Financing Awards 2022

        Service Charges

        View service charges

        RHB Multi Currency Account is protected by PIDM Up to RM250,000 for each depositor. Multi Currency Account Gold Investment and Multi Currency Account Silver Investment are not protected by PIDM.

        Download PIDM’s DIS brochure
        Terms and Conditions
        Terms and Conditions - ENG
        Terms and Conditions - BM
        Terms and Conditions - Debit Card
        Product Disclosure Sheet
        Product disclosure sheet - Multi Currency Account Gold & Silver Investment
        Product disclosure sheet - Debit Card
        *The Multi Currency Deposit Rate is subject to selected currencies. Customers are advised to check the latest interest rates at RHB Group’s Website before performing any sale transactions. There will not be a 1% conversion fee charged on the transaction of 16 foreign currencies. If there are insufficient funds in a particular currency to pay for the purchase, the funds will be deducted from the Ringgit Account held in the card and a 1% conversion fee will be charged. If there are still insufficient funds in the Ringgit Account, the said transaction will be declined.

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