MCA Precious Metals Investment

The RHB MCA 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 MCA. With RHB MCA, customers can now invest in Gold and/or Silver alongside 17 foreign currency deposits, making RHB MCA truly a diversified "one account".

  1. Ideal for residents and non-residents
  2. For companies or individuals
  3. Simple Over-the-Counter application
  4. 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
  5. Flexible initial purchase and subsequent investment: - Gold: Individual – 5 grams; Company – 50 grams - Silver: Individual – 300 grams; Company – 1,000 grams
  6. Company & Individual MCA can now be used to invest in Gold and/or Silver with no minimum or maximum limit to be maintained in the MCA Account
  7. Consolidated monthly statement
  8. Convenient balance checking at your finger tips via RHB Now Internet and Mobile Banking
  1. Potential higher returns from appreciating Gold and Silver prices
  2. Best possible hedges against inflation
  3. Competitive Gold and Silver exchange prices quoted by RHB
  4. Resolve physical Gold and Silver storage and insurance requirements
  5. Affordable avenue for investment portfolio building and diversification
  6. No withholding tax and brokerage fee

You can start investing immediately by visiting your RHB domicile branch. Same procedures apply as buying US Dollars and depositing into your Multi Currency Account.

Visit any RHB Bank branch nationwide to open a 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 in 17 types of foreign currencies below:

USD US Dollar JPY Japanese Yen GBP Pound Sterling
EUR Euro AUD Australian Dollar HKD Hong Kong Dollar
SGD Singapore Dollar CHF Swiss Franc CAD Canadian Dollar
NZD New Zealand Dollar ZAR South African Rand THB Thailand Baht
IDR Indonesia Rupiah AED Arab Emirates Dirham SAR Saudi Riyal
CNY Chinese Renminbi BND Brunei Dollar      

  1. Account Opening
    Minimum initial investment
    - Gold: Individual – 5 grams; Companies – 50 grams
    - Silver: Individual – 300 grams; Companies – 1,000 grams


    Minimum initial deposit
    - Any preferred of the 17 currencies offered equivalent to: Individual – USD 1,000.00; Companies – USD 5,000.00
  2. Monthly/Yearly Maintenance
  3. Minimum Balance
  4. Conversion Gold and/or Silver to/from RM

No. Physical conversion of Gold and Silver from your MCA 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.

  1. No, it is not principal protected as an investment in precious metal is purely buying and selling based on daily precious metal pricing
  2. However, in due time, we will be offering Gold structured product that is principal protected with good interest return
  1. Daily fluctuation of precious metal prices due to international and local precious metal market conditions
  2. Performance of the US dollar exchange rate against Ringgit, as precious metals are predominantly quoted in US dollars
  3. 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
  4. Most importantly, Bank Negara Malaysia's foreign exchange administrative rules in the tightening or liberalization of policies related to precious metal investment and foreign exchange in general


Visit any RHB Branch to open an account

Start your investments right away

For details of RHB MCA Precious Metals Investment, please refer to the Product Disclosure

The returns of RHB's MCA 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. This product is not insured by Perbadanan Insurans Deposit Malaysia (PIDM).