{"id":66663,"date":"2017-10-13T09:48:30","date_gmt":"2017-10-13T08:48:30","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=66663"},"modified":"2025-03-03T11:30:15","modified_gmt":"2025-03-03T11:30:15","slug":"malaysia","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/travel-money\/malaysia","title":{"rendered":"Best ways to spend travel money in Malaysia"},"content":{"rendered":"<p>Malaysia is one of the most ethnically and culturally diverse regions of the world and a popular destination for tourists.<\/p><div class=\"keyTakeaways\">\n  <div class=\"keyTakeaways__header\">\n          <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"21\" viewbox=\"0 0 32 21\" fill=\"none\">\n  <path d=\"M21.6706 1.15503H0.555176V10.6001C0.555176 15.8165 4.78381 20.0452 10.0002 20.0452C12.2144 20.0452 14.2511 19.2793 15.8604 17.9974L15.9325 18.1084C17.5197 19.3237 19.5119 20.0452 21.6651 20.0452C26.8815 20.0452 31.1101 15.8165 31.1101 10.6001C31.1101 5.38366 26.8815 1.15503 21.6651 1.15503H21.6706Z\" fill=\"white\"><\/path>\n  <path d=\"M25.704 5.12274C25.0325 5.12274 24.4054 5.37801 23.856 5.81641C24.3055 6.16602 24.6052 6.70431 24.6052 7.32029C24.6052 8.37468 23.7506 9.22928 22.6962 9.22928C22.4687 9.22928 22.2578 9.18489 22.0525 9.11275C21.9581 9.58445 21.9082 10.0839 21.9082 10.6C21.9082 13.6244 23.6063 16.0828 25.704 16.0828C27.8017 16.0828 29.4998 13.6299 29.4998 10.6C29.4998 7.57002 27.8017 5.11719 25.704 5.11719V5.12274Z\" fill=\"#232320\"><\/path>\n  <path d=\"M21.6704 0.600098H0V10.6001C0 16.1162 4.48391 20.6001 10 20.6001C12.1754 20.6001 14.1842 19.8953 15.8269 18.7133C17.5361 19.9453 19.5449 20.6001 21.6648 20.6001C27.1809 20.6001 31.6648 16.1162 31.6648 10.6001C31.6648 5.084 27.1809 0.600098 21.6648 0.600098H21.6704ZM1.10988 10.6056V1.71553H10C14.9001 1.71553 18.8901 5.70554 18.8901 10.6056C18.8901 15.5058 14.9001 19.4958 10 19.4958C5.09989 19.4958 1.10988 15.5058 1.10988 10.6056ZM21.6704 19.4958C19.8835 19.4958 18.1909 18.9741 16.7259 17.9863C18.7347 16.155 20.0055 13.5302 20.0055 10.6001C20.0055 6.72662 17.7913 3.36924 14.5616 1.70998H21.6704C26.5705 1.70998 30.5605 5.69999 30.5605 10.6001C30.5605 15.5002 26.5705 19.4902 21.6704 19.4902V19.4958Z\" fill=\"#232320\"><\/path>\n  <path d=\"M14.0404 5.12274C13.3689 5.12274 12.7419 5.37801 12.1925 5.81641C12.642 6.16602 12.9416 6.70431 12.9416 7.32029C12.9416 8.37468 12.087 9.22928 11.0326 9.22928C10.8051 9.22928 10.5942 9.18489 10.3889 9.11275C10.2946 9.58445 10.2446 10.0839 10.2446 10.6C10.2446 13.6244 11.9427 16.0828 14.0404 16.0828C16.1381 16.0828 17.8362 13.6299 17.8362 10.6C17.8362 7.57002 16.1381 5.11719 14.0404 5.11719V5.12274Z\" fill=\"#232320\"><\/path>\n<\/svg>        <h3 data-toc=\"false\">Key takeaways<\/h3>\n  <\/div>\n\n    <ul>\n          <li>The ringgit is the currency in Malaysia.<\/li>\n          <li>ATMs are widely available, but some have transaction limits.<\/li>\n          <li>Choose a debit card with low fees (or no fees) for travel <a href=\"#toppicks\">from our top picks<\/a>.<\/li>\n      <\/ul>\n\n  \n  <\/div>\n<h3 id=\"toppicks\">Low cost travel money options for Malaysia<\/h3>\n\n\n<style>\n.newpicks.topPicksF1 .topPicks__card { border: 2px solid #232320; border-radius: 1rem; -webkit-box-shadow: 4px 6px 0 0 #232320; box-shadow: 4px 6px 0 0 #232320; margin-right: 4px; }\n.pickfor { line-height: 20px; box-sizing: border-box; display: flex; flex-direction: column; justify-content: center; background-color: #e5f7ff; border-radius: 0.9rem 0.9rem 0 0; min-height: 58px; }\n.pickpros, .gxfcydsc { font-size: 14.75px; letter-spacing: -0.1px; line-height: 21px; }\n.topPicks__card { overflow: visible !important; }\n.topPicks__card figure.award { padding-bottom: 20px; margin: -3px auto 3px auto; }\n.topPicks__card span.gx-badge__body { box-sizing: border-box !important; }\n.topPicks__card figure.noward { padding: 10px; }\n.newpicks.flex { display: flex; flex-wrap: nowrap; overflow: auto; }\n.newpicks .flex-item { flex: 0 0 auto; margin-right: 10px !important;  width: calc((100% - 20px) \/ 3) !important; max-width: 280px; }\n.topPicks__optionalLabel span.table-popover::before { margin: 0px 0px -2px 2px; }\n.topPicks__card .text-small.dsclmr { font-size: 16px; letter-spacing: -.28px; }\n@media only screen and (min-width: 960px) { .newpicks { -webkit-box-pack: center; -webkit-justify-content: center; -ms-flex-pack: center; justify-content: center; } }\n@media only screen and (max-width: 960px) { .newpicks .flex-item { min-width: 270px; } }\n.newpicks .pick { line-height: 1.4em; min-height: 3.3em; }\n.newpicks .flex-item article { border-radius: 0.7em; }\n.newpicks .topPicks__optionalLabel { font-weight: 600; padding: 0.5em 0.65em 0.6em; width: auto; font-size: 0.875rem; line-height: 17px; margin-top: 0px !important; }\n<\/style>\n\n\n\n\n\n\n<div id=\"toppicks\" class=\"newpicks impression__toppicks-container u-grid u-grid--alignStretch u-grid--gutterCollapse flex has-padding-top-xsmall topPicksF1\" data-count-items=\"3\">\n\n\n\n\n\n\n\n\n\n<div class=\"u-grid__col flex-item has-margin-bottom-small\">\n<article class=\"luna-card luna-card--stretch luna-card--shadow topPicks__card\">\n<div class=\"pickfor text-center has-padding-xsmall u-font--bold u-italic\">\nPromoted for low fees + sign-up bonus<\/div>\n<div class=\"luna-card__block luna-card__topPick text-center\">\n<figure class=\"luna-card__figure noward\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/66db251e3e0db.png\" class=\"topPicks__image\" alt=\"Revolut  logo\" width=\"97\" height=\"60\" srcset=\"https:\/\/www.finder.com\/niche-builder\/66db251e3e0db.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/66db251e3e0db.png?fit=291 291w\" sizes=\"(max-width: 291px) 100vw, 291px\" loading=\"lazy\">\n<\/figure>\n\n\n<div class=\"has-padding-top-small has-padding-bottom-small\"><a class=\"luna-button luna-button--success  luna-button--fluid\" href=\"https:\/\/www.finder.com\/uk\/revolut-review#comparison-table-0000000000\">See deal<\/a><\/div>\n\n\n\n\n<div class=\"ukfin_offrpll\">\n<div class=\"topPicks__optionalLabel aligncenter box u-rounded--lg\" style=\"background: #e5ffed; border: 1px solid #1dd751;\"><svg class=\"luna-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 256 256\" role=\"img\" aria-label=\"Special offer\" style=\"width: 17px; height: 17px; margin-right: 3px;\"><path fill=\"#1dd751\" d=\"M208 128v72a8 8 0 0 1-8 8H56a8 8 0 0 1-8-8v-72Z\"><\/path><path fill=\"#232320\" d=\"M216 72h-35.08q.6-.49 1.17-1A29.5 29.5 0 0 0 192 49.57 32.6 32.6 0 0 0 158.44 16 29.5 29.5 0 0 0 137 25.91a55 55 0 0 0-9 14.48 55 55 0 0 0-9-14.48A29.5 29.5 0 0 0 97.56 16 32.6 32.6 0 0 0 64 49.57 29.5 29.5 0 0 0 73.91 71q.58.49 1.17 1H40a16 16 0 0 0-16 16v32a16 16 0 0 0 16 16v64a16 16 0 0 0 16 16h144a16 16 0 0 0 16-16v-64a16 16 0 0 0 16-16V88a16 16 0 0 0-16-16m-67-35.49a13.7 13.7 0 0 1 10-4.5h.49A16.6 16.6 0 0 1 176 49.08a13.7 13.7 0 0 1-4.5 10c-9.49 8.4-25.24 11.36-35 12.4 1.2-10.59 4.5-25.98 12.5-34.97m-64.09.36A16.6 16.6 0 0 1 96.59 32h.49a13.7 13.7 0 0 1 10 4.5c8.39 9.48 11.35 25.2 12.39 34.92-9.72-1-25.44-4-34.92-12.39a13.7 13.7 0 0 1-4.5-10 16.6 16.6 0 0 1 4.82-12.16ZM40 88h80v32H40Zm16 48h64v64H56Zm144 64h-64v-64h64Zm16-80h-80V88h80z\"><\/path><\/svg>\u00a320 welcome bonus<\/div>\n<\/div>\n\n<div class=\"has-margin-bottom-xsmall text-left pickpros\">\n<svg class=\"luna-icon luna-icon--primary luna-icon--small\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\"><path d=\"M10.0007 1.23193C4.93804 1.23193 0.833984 5.33599 0.833984 10.3986C0.833984 15.4612 4.93804 19.5653 10.0007 19.5653C15.0633 19.5653 19.1673 15.4612 19.1673 10.3986C19.1673 5.33599 15.0633 1.23193 10.0007 1.23193Z\" fill=\"#1DD751\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M13.0886 8.14398C13.414 8.46942 13.414 8.99705 13.0886 9.32249L9.75527 12.6558C9.42983 12.9813 8.9022 12.9813 8.57676 12.6558L6.91009 10.9892C6.58466 10.6637 6.58466 10.1361 6.91009 9.81065C7.23553 9.48521 7.76317 9.48521 8.0886 9.81065L9.16602 10.8881L11.9101 8.14398C12.2355 7.81854 12.7632 7.81854 13.0886 8.14398Z\" fill=\"white\"><\/path><\/svg> Pay like a local with excellent exchange rates<br><svg class=\"luna-icon luna-icon--primary luna-icon--small\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\"><path d=\"M10.0007 1.23193C4.93804 1.23193 0.833984 5.33599 0.833984 10.3986C0.833984 15.4612 4.93804 19.5653 10.0007 19.5653C15.0633 19.5653 19.1673 15.4612 19.1673 10.3986C19.1673 5.33599 15.0633 1.23193 10.0007 1.23193Z\" fill=\"#1DD751\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M13.0886 8.14398C13.414 8.46942 13.414 8.99705 13.0886 9.32249L9.75527 12.6558C9.42983 12.9813 8.9022 12.9813 8.57676 12.6558L6.91009 10.9892C6.58466 10.6637 6.58466 10.1361 6.91009 9.81065C7.23553 9.48521 7.76317 9.48521 8.0886 9.81065L9.16602 10.8881L11.9101 8.14398C12.2355 7.81854 12.7632 7.81854 13.0886 8.14398Z\" fill=\"white\"><\/path><\/svg> Send money in 29 currencies<br><svg class=\"luna-icon luna-icon--primary luna-icon--small\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\"><path d=\"M10.0007 1.23193C4.93804 1.23193 0.833984 5.33599 0.833984 10.3986C0.833984 15.4612 4.93804 19.5653 10.0007 19.5653C15.0633 19.5653 19.1673 15.4612 19.1673 10.3986C19.1673 5.33599 15.0633 1.23193 10.0007 1.23193Z\" fill=\"#1DD751\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M13.0886 8.14398C13.414 8.46942 13.414 8.99705 13.0886 9.32249L9.75527 12.6558C9.42983 12.9813 8.9022 12.9813 8.57676 12.6558L6.91009 10.9892C6.58466 10.6637 6.58466 10.1361 6.91009 9.81065C7.23553 9.48521 7.76317 9.48521 8.0886 9.81065L9.16602 10.8881L11.9101 8.14398C12.2355 7.81854 12.7632 7.81854 13.0886 8.14398Z\" fill=\"white\"><\/path><\/svg> Cashback on hotel bookings<\/div>\n<\/div>\n<\/article>\n<\/div>\n\n\n\n\n\n\n\n\n\n<div class=\"u-grid__col flex-item has-margin-bottom-small\">\n<article class=\"luna-card luna-card--stretch luna-card--shadow topPicks__card\">\n<div class=\"pickfor text-center has-padding-xsmall u-font--bold u-italic\">\nPromoted for no overseas fees card &amp; budgeting<\/div>\n<div class=\"luna-card__block luna-card__topPick text-center\">\n<figure class=\"luna-card__figure noward\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/64d4f89e1aa8f.png\" class=\"topPicks__image\" alt=\"Monzo logo\" width=\"97\" height=\"60\" srcset=\"https:\/\/www.finder.com\/niche-builder\/64d4f89e1aa8f.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/64d4f89e1aa8f.png?fit=291 291w\" sizes=\"(max-width: 291px) 100vw, 291px\" loading=\"lazy\">\n<\/figure>\n\n\n<div class=\"has-padding-top-small has-padding-bottom-small\"><a class=\" luna-button luna-button--success  luna-button--fluid  impression__toppicks-cta\" style=\"text-wrap: wrap;\" title=\"Go to Monzo\" rel=\"sponsored nofollow\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/uk\/travel-money\/monzo-travel-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%224b7deca5-4152-460d-bd12-4d0074d34d61%22%2C%22product_name%22%3A%22Monzo%22%2C%22offer_id%22%3A%2225676%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.CTA_UKFIN_REDIRECT_BUTTON%22%2C%22niche_code%22%3A%22UKFTM%22%2C%22position%22%3A%222%22%2C%22post_id%22%3A%2266663%22%2C%22post_path%22%3A%22travel-money%252Fmalaysia%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A486358%2C%22name%22%3A%22ukfin-masthead-top-picks%22%2C%22country%22%3A%22uk%22%7D%7D\"> \r\n\t\t\t\t\r\n\t\t\t\t\tGo to site\r\n\t\t\t\t\r\n\t\t\t<\/a><\/div>\n\n\n\n\n<div class=\"ukfin_offrpll\">\n<div class=\"topPicks__optionalLabel aligncenter box u-rounded--lg\" style=\"background: #e5ffed; border: 1px solid #1dd751;\"><svg class=\"luna-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 256 256\" role=\"img\" aria-label=\"Special offer\" style=\"width: 17px; height: 17px; margin-right: 3px;\"><path fill=\"#1dd751\" d=\"M208 128v72a8 8 0 0 1-8 8H56a8 8 0 0 1-8-8v-72Z\"><\/path><path fill=\"#232320\" d=\"M216 72h-35.08q.6-.49 1.17-1A29.5 29.5 0 0 0 192 49.57 32.6 32.6 0 0 0 158.44 16 29.5 29.5 0 0 0 137 25.91a55 55 0 0 0-9 14.48 55 55 0 0 0-9-14.48A29.5 29.5 0 0 0 97.56 16 32.6 32.6 0 0 0 64 49.57 29.5 29.5 0 0 0 73.91 71q.58.49 1.17 1H40a16 16 0 0 0-16 16v32a16 16 0 0 0 16 16v64a16 16 0 0 0 16 16h144a16 16 0 0 0 16-16v-64a16 16 0 0 0 16-16V88a16 16 0 0 0-16-16m-67-35.49a13.7 13.7 0 0 1 10-4.5h.49A16.6 16.6 0 0 1 176 49.08a13.7 13.7 0 0 1-4.5 10c-9.49 8.4-25.24 11.36-35 12.4 1.2-10.59 4.5-25.98 12.5-34.97m-64.09.36A16.6 16.6 0 0 1 96.59 32h.49a13.7 13.7 0 0 1 10 4.5c8.39 9.48 11.35 25.2 12.39 34.92-9.72-1-25.44-4-34.92-12.39a13.7 13.7 0 0 1-4.5-10 16.6 16.6 0 0 1 4.82-12.16ZM40 88h80v32H40Zm16 48h64v64H56Zm144 64h-64v-64h64Zm16-80h-80V88h80z\"><\/path><\/svg>Earn interest on your holiday money with a savings pot<\/div>\n<\/div>\n\n<div class=\"has-margin-bottom-xsmall text-left pickpros\">\n<svg class=\"luna-icon luna-icon--primary luna-icon--small\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\"><path d=\"M10.0007 1.23193C4.93804 1.23193 0.833984 5.33599 0.833984 10.3986C0.833984 15.4612 4.93804 19.5653 10.0007 19.5653C15.0633 19.5653 19.1673 15.4612 19.1673 10.3986C19.1673 5.33599 15.0633 1.23193 10.0007 1.23193Z\" fill=\"#1DD751\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M13.0886 8.14398C13.414 8.46942 13.414 8.99705 13.0886 9.32249L9.75527 12.6558C9.42983 12.9813 8.9022 12.9813 8.57676 12.6558L6.91009 10.9892C6.58466 10.6637 6.58466 10.1361 6.91009 9.81065C7.23553 9.48521 7.76317 9.48521 8.0886 9.81065L9.16602 10.8881L11.9101 8.14398C12.2355 7.81854 12.7632 7.81854 13.0886 8.14398Z\" fill=\"white\"><\/path><\/svg> Make fee-free cash withdrawals<br><svg class=\"luna-icon luna-icon--primary luna-icon--small\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\"><path d=\"M10.0007 1.23193C4.93804 1.23193 0.833984 5.33599 0.833984 10.3986C0.833984 15.4612 4.93804 19.5653 10.0007 19.5653C15.0633 19.5653 19.1673 15.4612 19.1673 10.3986C19.1673 5.33599 15.0633 1.23193 10.0007 1.23193Z\" fill=\"#1DD751\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M13.0886 8.14398C13.414 8.46942 13.414 8.99705 13.0886 9.32249L9.75527 12.6558C9.42983 12.9813 8.9022 12.9813 8.57676 12.6558L6.91009 10.9892C6.58466 10.6637 6.58466 10.1361 6.91009 9.81065C7.23553 9.48521 7.76317 9.48521 8.0886 9.81065L9.16602 10.8881L11.9101 8.14398C12.2355 7.81854 12.7632 7.81854 13.0886 8.14398Z\" fill=\"white\"><\/path><\/svg> Spend abroad with no fees<br><svg class=\"luna-icon luna-icon--primary luna-icon--small\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\"><path d=\"M10.0007 1.23193C4.93804 1.23193 0.833984 5.33599 0.833984 10.3986C0.833984 15.4612 4.93804 19.5653 10.0007 19.5653C15.0633 19.5653 19.1673 15.4612 19.1673 10.3986C19.1673 5.33599 15.0633 1.23193 10.0007 1.23193Z\" fill=\"#1DD751\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M13.0886 8.14398C13.414 8.46942 13.414 8.99705 13.0886 9.32249L9.75527 12.6558C9.42983 12.9813 8.9022 12.9813 8.57676 12.6558L6.91009 10.9892C6.58466 10.6637 6.58466 10.1361 6.91009 9.81065C7.23553 9.48521 7.76317 9.48521 8.0886 9.81065L9.16602 10.8881L11.9101 8.14398C12.2355 7.81854 12.7632 7.81854 13.0886 8.14398Z\" fill=\"white\"><\/path><\/svg> Split costs with friends in seconds<\/div>\n<\/div>\n<\/article>\n<\/div>\n\n\n\n\n\n\n\n\n\n<div class=\"u-grid__col flex-item has-margin-bottom-small\" style=\"margin-right: 0px !important;\">\n<article class=\"luna-card luna-card--stretch luna-card--shadow topPicks__card\">\n<div class=\"pickfor text-center has-padding-xsmall u-font--bold u-italic\">\nPromoted for low fx fees<\/div>\n<div class=\"luna-card__block luna-card__topPick text-center\">\n<figure class=\"luna-card__figure noward\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/66db25e6c6685.png\" class=\"topPicks__image\" alt=\"Wise Multi-currency Account logo\" width=\"97\" height=\"60\" srcset=\"https:\/\/www.finder.com\/niche-builder\/66db25e6c6685.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/66db25e6c6685.png?fit=291 291w\" sizes=\"(max-width: 291px) 100vw, 291px\" loading=\"lazy\">\n<\/figure>\n\n\n<div class=\"has-padding-top-small has-padding-bottom-small\"><a class=\" luna-button luna-button--success  luna-button--fluid  impression__toppicks-cta\" style=\"text-wrap: wrap;\" title=\"Go to Wise\" rel=\"sponsored nofollow\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/uk\/travel-money\/wise-multucyrrency-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22bf57b237-53f7-4885-adc9-f9fb9275c9b7%22%2C%22product_name%22%3A%22Wise%2BMulti-currency%2BAccount%22%2C%22offer_id%22%3A%2225128%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.CTA_UKFIN_REDIRECT_BUTTON%22%2C%22niche_code%22%3A%22UKFTM%22%2C%22position%22%3A%223%22%2C%22post_id%22%3A%2266663%22%2C%22post_path%22%3A%22travel-money%252Fmalaysia%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A486358%2C%22name%22%3A%22ukfin-masthead-top-picks%22%2C%22country%22%3A%22uk%22%7D%7D\"> \r\n\t\t\t\t\r\n\t\t\t\t\tGo to site\r\n\t\t\t\t\r\n\t\t\t<\/a><\/div>\n\n\n\n\n<div class=\"ukfin_offrpll\">\n<div class=\"topPicks__optionalLabel aligncenter box u-rounded--lg\" style=\"background: #e5ffed; border: 1px solid #1dd751;\"><svg class=\"luna-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 256 256\" role=\"img\" aria-label=\"Special offer\" style=\"width: 17px; height: 17px; margin-right: 3px;\"><path fill=\"#1dd751\" d=\"M208 128v72a8 8 0 0 1-8 8H56a8 8 0 0 1-8-8v-72Z\"><\/path><path fill=\"#232320\" d=\"M216 72h-35.08q.6-.49 1.17-1A29.5 29.5 0 0 0 192 49.57 32.6 32.6 0 0 0 158.44 16 29.5 29.5 0 0 0 137 25.91a55 55 0 0 0-9 14.48 55 55 0 0 0-9-14.48A29.5 29.5 0 0 0 97.56 16 32.6 32.6 0 0 0 64 49.57 29.5 29.5 0 0 0 73.91 71q.58.49 1.17 1H40a16 16 0 0 0-16 16v32a16 16 0 0 0 16 16v64a16 16 0 0 0 16 16h144a16 16 0 0 0 16-16v-64a16 16 0 0 0 16-16V88a16 16 0 0 0-16-16m-67-35.49a13.7 13.7 0 0 1 10-4.5h.49A16.6 16.6 0 0 1 176 49.08a13.7 13.7 0 0 1-4.5 10c-9.49 8.4-25.24 11.36-35 12.4 1.2-10.59 4.5-25.98 12.5-34.97m-64.09.36A16.6 16.6 0 0 1 96.59 32h.49a13.7 13.7 0 0 1 10 4.5c8.39 9.48 11.35 25.2 12.39 34.92-9.72-1-25.44-4-34.92-12.39a13.7 13.7 0 0 1-4.5-10 16.6 16.6 0 0 1 4.82-12.16ZM40 88h80v32H40Zm16 48h64v64H56Zm144 64h-64v-64h64Zm16-80h-80V88h80z\"><\/path><\/svg>More than 150 countries<\/div>\n<\/div>\n\n<div class=\"has-margin-bottom-xsmall text-left pickpros\">\n<svg class=\"luna-icon luna-icon--primary luna-icon--small\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\"><path d=\"M10.0007 1.23193C4.93804 1.23193 0.833984 5.33599 0.833984 10.3986C0.833984 15.4612 4.93804 19.5653 10.0007 19.5653C15.0633 19.5653 19.1673 15.4612 19.1673 10.3986C19.1673 5.33599 15.0633 1.23193 10.0007 1.23193Z\" fill=\"#1DD751\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M13.0886 8.14398C13.414 8.46942 13.414 8.99705 13.0886 9.32249L9.75527 12.6558C9.42983 12.9813 8.9022 12.9813 8.57676 12.6558L6.91009 10.9892C6.58466 10.6637 6.58466 10.1361 6.91009 9.81065C7.23553 9.48521 7.76317 9.48521 8.0886 9.81065L9.16602 10.8881L11.9101 8.14398C12.2355 7.81854 12.7632 7.81854 13.0886 8.14398Z\" fill=\"white\"><\/path><\/svg> Open an account in minutes<br><svg class=\"luna-icon luna-icon--primary luna-icon--small\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\"><path d=\"M10.0007 1.23193C4.93804 1.23193 0.833984 5.33599 0.833984 10.3986C0.833984 15.4612 4.93804 19.5653 10.0007 19.5653C15.0633 19.5653 19.1673 15.4612 19.1673 10.3986C19.1673 5.33599 15.0633 1.23193 10.0007 1.23193Z\" fill=\"#1DD751\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M13.0886 8.14398C13.414 8.46942 13.414 8.99705 13.0886 9.32249L9.75527 12.6558C9.42983 12.9813 8.9022 12.9813 8.57676 12.6558L6.91009 10.9892C6.58466 10.6637 6.58466 10.1361 6.91009 9.81065C7.23553 9.48521 7.76317 9.48521 8.0886 9.81065L9.16602 10.8881L11.9101 8.14398C12.2355 7.81854 12.7632 7.81854 13.0886 8.14398Z\" fill=\"white\"><\/path><\/svg> Use in more than 150 countries<br><svg class=\"luna-icon luna-icon--primary luna-icon--small\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\"><path d=\"M10.0007 1.23193C4.93804 1.23193 0.833984 5.33599 0.833984 10.3986C0.833984 15.4612 4.93804 19.5653 10.0007 19.5653C15.0633 19.5653 19.1673 15.4612 19.1673 10.3986C19.1673 5.33599 15.0633 1.23193 10.0007 1.23193Z\" fill=\"#1DD751\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M13.0886 8.14398C13.414 8.46942 13.414 8.99705 13.0886 9.32249L9.75527 12.6558C9.42983 12.9813 8.9022 12.9813 8.57676 12.6558L6.91009 10.9892C6.58466 10.6637 6.58466 10.1361 6.91009 9.81065C7.23553 9.48521 7.76317 9.48521 8.0886 9.81065L9.16602 10.8881L11.9101 8.14398C12.2355 7.81854 12.7632 7.81854 13.0886 8.14398Z\" fill=\"white\"><\/path><\/svg> 2 free cash withdrawals per month<\/div>\n<\/div>\n<\/article>\n<\/div>\n\n\n<style>@media only screen and (min-width: 601px) { .ukfin_offrpll { min-height: 46px; } }<\/style><\/div>\n\n\n\n\n<div id=\"toppicks-methodology\" class=\"topPicksMethodology--shortcode luna-accordionGroup accordionGroup\">\n\t<div class=\"luna-accordion\" data-accordion=\"accordion\">\n\t\t<div class=\"luna-accordion__summary\">\n\t\t\t<h4 class=\"luna-accordion__heading\">\n\t\t\t\t<button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"methodology-expander-0000000000\" data-toggle=\"collapse\" data-target=\"#methodology-expander-0000000000\">\n\t\t\t\t\t<span class=\"luna-accordion__title\">How we chose these accounts<\/span>\n\t\t\t\t\t<svg class=\"luna-icon topPicksMethodology__toggleIcon\" aria-hidden=\"true\">\n\t\t\t\t\t\t<use xlink:href=\"#chevron-down\" data-toggle-icon=\"show\" class=\"topPicksMethodology__toggleIcon-down\"><\/use>\n\t\t\t\t\t\t<use xlink:href=\"#chevron-up\" data-toggle-icon=\"hide\" class=\"topPicksMethodology__toggleIcon-up is-hidden\"><\/use>\n\t\t\t\t\t<\/svg>\n\t\t\t\t<\/button>\n\t\t\t<\/h4>\n\t\t<\/div>\n\t\t<div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"methodology-expander-0000000000\" data-accordion=\"details\" style=\"height: 0px;\">\n\t\t\t<div class=\"accordionContent\">The accounts shown above are promoted picks. If we show a \"Promoted for\" pick, this means it's been chosen from among our partners and is based on factors that include special features or offers, and the commission we receive. Keep in mind that our picks may not always be the best fit for you, and it's important to compare for yourself to find a product that works for you.<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<h4 id=\"travel-money-cards\">Using prepaid travel cards<\/h4><p>These cards have some advantages for travellers, but make sure you dig a little deeper into the travel card fees section in order to find the travel money card that will cost you less to use overseas.<\/p><ul><li><b>Multiple currencies. <\/b>The main selling point for travel cards is the ability to load them with the currency of the country you\u2019re visiting so you can spend without incurring currency conversion fees.<\/li><li><b>Budget control. <\/b>You must keep topping up a travel card with pounds once you spend all your money. This gives you control over how much you\u2019re able to spend and how much thieves could possibly spend if your card falls into the wrong hands.<\/li><li><strong>Time delay. <\/strong>Reloading your card can take up to 3 days (or even longer if its a bank holiday in the UK), so you need to ensure you don\u2019t let your card run too low before reloading it.<\/li><li><b>Backup card. <\/b>Travel cards usually come with two cards. You can use the backup in the event the primary card is lost, damaged or stolen. A call to the card provider is all it takes to block the first card and activate the second card, although you might want to activate both before you leave.<\/li><li><b>ATM withdrawals. <\/b>Travel cards allow you to withdraw cash from ATMs as well as make over-the-counter payments. Most travel cards charge a flat fee for ATM withdrawals. Some don\u2019t, but these cards often charge for currency conversion or make up the transaction fee in other places such as initial load, reload or card inactivity fees.<\/li><li><b>Exchange rate. <\/b>Most travel cards on the market use a different exchange rate to what\u2019s applied to Visa and Mastercard credit cards and debit cards. A margin is applied by the travel card provider when funds are exchanged from British pounds to a foreign currency making the rates less favourable. However, you can pre-load your cash at a time when exchange rates look likely to be more favourable than the live times which debit and credit cards rely on<\/li><\/ul>\n<div id=\"lazy0000000001\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000001\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/arrow-link\\\/prod\\\/arrow-link.b54cdc282fcfbd8bdad2.css\"]}<\/script><h4 id=\"credit-cards\"><i class=\"icon-credit-cards-line icon-size-large\"><\/i> Using credit cards<\/h4><p>Credit cards are widely accepted in Malaysia. You won\u2019t have a problem using your card at shopping centres, large restaurants and hotels. Using a British credit card overseas comes at a cost though. Here are some fees you\u2019ll want to keep an eye out for.<\/p><ul><li><strong>Exchange rate. <\/strong>Credit card transactions are subject to the Visa, Mastercard and American Express exchange rates. These rates are mostly in line with market rates and offer a better deal than travel money card rates.<\/li><li><strong>Fees. <\/strong>There are a number of fees you should be aware of when you use your credit card overseas. The fees you can expect will depend on the card you have and how you use it, but some standard costs include:<ul class=\"list-10\"><li><b>Currency conversion fees.<\/b> Unless you have a no currency conversion credit card, you can expect to be charged these fees when you use your British card to make purchases overseas. The average currency conversion fee is 3% per transaction.<\/li><li><b>Cash advance fees. <\/b>You\u2019ll be charged a cash advance fee when you use your card for ATM withdrawals. These fees are generally high and can sit around the 20% mark. Interest-free days don\u2019t apply when you use your card for a cash advance.<\/li><li><b>ATM fees.<\/b> As well as cash advance fees, you may be charged a local ATM fee when you use your card to withdraw cash.<\/li><li><b>Annual fee. <\/b>Many credit cards charge an annual fee, so make sure the value you get from the card outweighs this cost.<\/li><\/ul><\/li><li><strong>Extras. <\/strong>As well as giving you access to your funds overseas, credit cards may also offer a number of other useful features:<ul class=\"list-10\"><li><b>Interest-free days.<\/b> Some credit cards offer interest-free days on purchases when you repay your balance in full by the end of the statement period. The number of interest-free days will vary, but you can usually expect up to 55 interest-free days. If you\u2019re using your card for purchases on your holiday, taking advantage of the interest-free days could help keep your interest costs to a minimum.<\/li><li><b>Complimentary insurance.<\/b> Some credit cards offer complimentary international travel insurance and purchase protection. You\u2019ll need to meet the eligibility requirements and pay for some of your travel costs with the card, but the insurance usually covers you plus your spouse or children who are travelling with you.<\/li><li><b>Rewards. <\/b>Some credit cards (and travel cards) reward you with points when you make eligible card purchases. Some rewards credit cards are linked to a frequent flyer program and other cards reward you with points in a provider\u2019s own loyalty program. Some cards offer a higher earn rate when you make purchases in a foreign currency, but these products often charge higher fees. Make sure to compare the value of the points against the extra cost to use the card overseas to determine whether it\u2019s of value to you.<\/li><\/ul><\/li><\/ul>\n<div id=\"lazy0000000002\"><\/div>\n<h4 id=\"debit-cards\"><i class=\"icon-debit-cards-solid icon-size-large\"><\/i> Using debit cards<\/h4><p>Debit cards and current accounts are usually free to open. Compare your current debit card against a debit card with travel credentials to see if you can save on purchase and withdrawal fees in Malaysia. You won\u2019t have a problem finding an ATM or point-of-sale terminal in Malaysia that accepts Visa or Mastercard debit cards.<\/p><ul><li><strong>Exchange rate. <\/strong>Visa and Mastercard debit cards use the Visa and Mastercard consumer exchange rate. This rate is likely to be close to the interbank rate, and the exchange rate spread applied by Visa and Mastercard is only marginal.<\/li><li><strong>Your savings. <\/strong>Unless you\u2019re using a current account as a dedicated travel account, this account is likely to be your main everyday bank account. Unlike travel cards, which only hold the funds you\u2019ve transferred over, current accounts are likely to hold a larger sum of money. This might be a problem if you have trouble controlling your spending or if your card is stolen.<\/li><li><strong>Fees. <\/strong>Some of the fees you can expect when using a debit card overseas include:<ul class=\"list-10\"><li style=\"font-size: 16px;\"><b>International ATM fees.<\/b> This fee is charged by the card provider when you use an overseas ATM. If your card provider belongs to an ATM alliance, you might be able to avoid these fees.<\/li><li><b>ATM operator fees. <\/b>Local ATM fees are charged by the ATM operator. You can avoid this fee in some countries by using an ATM within your institution\u2019s overseas ATM network.<\/li><li><b>Currency conversion fees.<\/b> This fee applies when you use your debit card outside of the UK. If you want to keep your costs low, look for a card that doesn\u2019t charge this fee.<\/li><\/ul><\/li><\/ul><h4 id=\"travellers-cheque\"><i class=\"icon-income-protect-solid icon-size-large\"><\/i> Using traveller\u2019s cheques<\/h4><p>Money safety can be a concern in Malaysia, but traveller\u2019s cheques may not be the answer to your money security woes. You need identification to cash your traveller\u2019s cheques, as they can only be used by you. However, fewer and fewer places are cashing traveller\u2019s cheques in Malaysia as the digital economy grows.<\/p><ul><li><strong>Fees. <\/strong>You\u2019ll pay a commission to cash your traveller\u2019s cheques when you arrive in Malaysia. This is usually charged on a per cheque basis. You may also pay a handling fee to purchase the cheques.<\/li><li><strong>Exchange rates. <\/strong>Don\u2019t get traveller\u2019s cheques exchanged more than once. Buy cheques in British pounds and cash Ringgit when you arrive. This will save you getting your money changed twice and losing out on international exchange. Avoid getting your traveller\u2019s cheques cashed at a hotel. Do it at a bank or foreign exchange office. Hotels are likely to offer a far less competitive rate.<\/li><\/ul>\n<div id=\"lazy0000000003\"><\/div>\n<h3 id=\"howmuch\">Currencies you\u2019ll need in Malaysia<\/h3><p>The Malaysian Ringgit (MYR) is Malaysia\u2019s local currency. 100 sen makes up 1 Ringgit and you\u2019ll need to access this currency if you want to pay in cash on your holiday. You can easily get your British pounds exchanged for the local currency at Malaysian money changers, which are located at numerous places throughout the country.<\/p><p>How much Ringgit should you bring on your trip?<\/p><table class=\"custom-table\"><thead><tr><th style=\"text-align: center;\">Kuala Lumpur<\/th><th style=\"text-align: center;\" width=\"20%\">Budget<\/th><th style=\"text-align: center;\">Midrange<\/th><th style=\"text-align: center;\">Expensive<\/th><\/tr><\/thead><tbody><tr><td style=\"text-align: center;\"><img decoding=\"async\" class=\"aligncenter size-full wp-image-579017\" src=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/03\/meal-2.png\" alt=\"meal-2\" width=\"80\" height=\"80\" srcset=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/03\/meal-2.png?fit=180 180w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/03\/meal-2.png?fit=240 240w\" sizes=\"(max-width: 240px) 100vw, 240px\" loading=\"lazy\"><\/td><td style=\"text-align: center;\">Food court lunch<br><strong>\u00a33<\/strong><\/td><td style=\"text-align: center;\">Dinner at Indian Restaurant (for two)<br><strong>\u00a35<\/strong><\/td><td style=\"text-align: center;\">Dinner at Ding Tai Fung<br><strong>\u00a37-10 <\/strong><\/td><\/tr><tr><td style=\"text-align: center;\"><img decoding=\"async\" class=\"size-full wp-image-586491 alignnone\" src=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/04\/to-see.png\" alt=\"to-see\" width=\"80\" height=\"80\" srcset=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/04\/to-see.png?fit=180 180w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/04\/to-see.png?fit=240 240w\" sizes=\"(max-width: 240px) 100vw, 240px\" loading=\"lazy\"><\/td><td style=\"text-align: center;\">Canopy Walk at FRIM Forest Reserve<br><strong>\u00a31<\/strong><\/td><td style=\"text-align: center;\">Train &amp; boat to Pulau Ketam<br><strong>\u00a32<\/strong><\/td><td style=\"text-align: center;\">KL Tower admission (for two)<br><strong>\u00a319<\/strong><\/td><\/tr><tr><td style=\"text-align: center;\"><img decoding=\"async\" class=\"aligncenter size-full wp-image-569115\" src=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/03\/transport.png\" alt=\"transport\" width=\"80\" height=\"80\" srcset=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/03\/transport.png?fit=180 180w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/03\/transport.png?fit=240 240w\" sizes=\"(max-width: 240px) 100vw, 240px\" loading=\"lazy\"><\/td><td style=\"text-align: center;\">Metro ride (for two)<br><strong>70p<\/strong><\/td><td style=\"text-align: center;\">Bus from airport<br><strong>\u00a31.80<\/strong><\/td><td style=\"text-align: center;\">Taxi from airport<br><strong>\u00a318<\/strong><\/td><\/tr><tr><td style=\"text-align: center;\"><img decoding=\"async\" class=\"aligncenter size-full wp-image-586493\" src=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/04\/to-sleep.png\" alt=\"to-sleep\" width=\"80\" height=\"80\" srcset=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/04\/to-sleep.png?fit=180 180w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/04\/to-sleep.png?fit=240 240w\" sizes=\"(max-width: 240px) 100vw, 240px\" loading=\"lazy\"><\/td><td style=\"text-align: center;\">Dorm bed<br><strong>\u00a311<\/strong><\/td><td style=\"text-align: center;\">Double room in a 3 star hotel<br><strong>\u00a330<\/strong><\/td><td style=\"text-align: center;\">Double room in a 5 star hotel<br><strong>\u00a3125+<\/strong><\/td><\/tr><\/tbody><\/table><p><sup>Prices are approximate and are subject to change.<\/sup><\/p><h3 id=\"compare\">Travel card, credit card or debit card?<\/h3><p>If you\u2019re wondering which travel money option is best to take to Malaysia, the answer is a combination.<\/p><p>It\u2019s important to know how you plan on spending and where you plan on visiting to find the right travel money solution. Cards are widely accepted, but the majority of your spending it likely to be in cash, depending on what you\u2019re planning to do.<\/p><p>Although there\u2019s no limit to the amount of foreign currency you can take into the country and it isn\u2019t hard to exchange your British pounds, ATM withdrawal fees and currency conversion fees should be factored into your comparison. Read on for an overview of the pros and cons of the different types of travel money you can use in Malaysia. You won\u2019t have to worry about withdrawal fees if you opt for a banking app such as Revolut or Starling, though. These work in much the same way as conventional bank accounts do, coming with a debit card authorised by Visa or Mastercard which can be \u201ctopped up\u201d from your mobile phone, but the key advantage is that they don\u2019t charge withdrawal of transaction fees.<\/p><h4 id=\"summary\">A quick summary of travel money options for Malaysia<\/h4><table class=\"custom-table js-custom-table\" dir=\"ltr\" border=\"1\" width=\"1147\" cellspacing=\"0\" cellpadding=\"0\"><tbody><tr><th style=\"text-align: left;\">Travel money option<\/th><th style=\"text-align: left;\">Pros<\/th><th style=\"text-align: left;\">Considerations<\/th><\/tr><tr><td style=\"text-align: left;\">Debit cards for travel<\/td><td style=\"text-align: left;\"><ul class=\"list-1\"><li>Comes with a secure PIN &amp; chip protection<\/li><\/ul><ul class=\"list-1\"><li>Emergency cash facilities<\/li><\/ul><ul class=\"list-1\"><li>Ideal for managing your travel budget<\/li><\/ul><\/td><td style=\"text-align: left;\"><ul class=\"list-12\"><li>Fees. Currency conversion and international ATM fees<\/li><li>Can\u2019t be used over the counter in some places<\/li><li>No backup cards<\/li><\/ul><\/td><\/tr><tr><td style=\"text-align: left;\">Prepaid travel money cards<\/td><td style=\"text-align: left;\"><ul class=\"list-1\"><li>Protected by PIN &amp; chip<\/li><li>Pre-load and secure your exchange rate in multiple foreign currencies<\/li><li>Emergency card replacement and backup cards<\/li><li>Ideal for managing your travel budget<\/li><\/ul><\/td><td style=\"text-align: left;\"><ul class=\"list-12\"><li>Local ATM fee<\/li><li>Reloading time<\/li><li>Reloading fee, inactivity fee, card issue fee<\/li><li>No fee \u2013 Assuming cardholder is spending on a currency loaded onto the card<\/li><\/ul><\/td><\/tr><tr><td style=\"text-align: left;\">Credit cards for travel<\/td><td style=\"text-align: left;\"><ul class=\"list-1\"><li>Protected by PIN &amp; chip<\/li><li>Access to funds up to your credit limit<\/li><li>Accepted worldwide<\/li><li>No currency conversion\/ transaction fees<\/li><li>Benefits including rewards points on spending, 0% purchases, frequent flyer perks<\/li><li>Emergency card replacement<\/li><\/ul><\/td><td style=\"text-align: left;\"><ul class=\"list-12\"><li>Can charge high withdrawal and cash advance fees<\/li><li>Higher spending limit (depends on your approved credit limit)<\/li><\/ul><\/td><\/tr><tr><td style=\"text-align: left;\">Traveller\u2019s cheques<\/td><td style=\"text-align: left;\"><ul class=\"list-1\"><li>Secure and can be easily replaced if lost or stolen<\/li><li>Photo I.D. needed to cash cheques<\/li><\/ul><\/td><td style=\"text-align: left;\"><ul class=\"list-12\"><li>Can be costly with initial purchase charges<\/li><li>Not all merchants accept traveller\u2019s cheques<\/li><\/ul><\/td><\/tr><tr><td style=\"text-align: left;\">Cash<\/td><td style=\"text-align: left;\"><ul class=\"list-1\"><li>Greater payment flexibility<\/li><li>Convenience<\/li><\/ul><\/td><td style=\"text-align: left;\"><ul class=\"list-12\"><li>More difficult to manage expenses<\/li><li>Higher risk of theft<\/li><\/ul><\/td><\/tr><\/tbody><\/table><h3 id=\"currency\">Currency exchange<\/h3><p>Malaysians sometimes refer to Malaysian Ringgits as dollars, and some prices use the prefix dollar sign. All prices are in Ringgits even if you hear the vendor saying dollars. Banknotes are divided into the following denominations: 1, 5, 10, 50 and 100. Familiarise yourself with these to ensue you don\u2019t accidentally overpay.<\/p><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><p><img decoding=\"async\" class=\"aligncenter sml-image-center size-full wp-image-578605\" src=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/03\/malaysia-currency-ringgit-1.png\" alt=\"malaysia-currency-ringgit-1\" width=\"200\" height=\"100\" srcset=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/03\/malaysia-currency-ringgit-1.png?fit=180 180w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/03\/malaysia-currency-ringgit-1.png?fit=360 360w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/03\/malaysia-currency-ringgit-1.png?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\" loading=\"lazy\"><img decoding=\"async\" class=\"aligncenter sml-image-center size-full wp-image-578607\" src=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/03\/malaysia-currency-ringgit-5.png\" alt=\"malaysia-currency-ringgit-5\" width=\"200\" height=\"100\" srcset=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/03\/malaysia-currency-ringgit-5.png?fit=180 180w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/03\/malaysia-currency-ringgit-5.png?fit=360 360w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/03\/malaysia-currency-ringgit-5.png?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\" loading=\"lazy\"><img decoding=\"async\" class=\"aligncenter sml-image-center size-full wp-image-578609\" src=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/03\/malaysia-currency-ringgit-10.png\" alt=\"malaysia-currency-ringgit-10\" width=\"200\" height=\"100\" srcset=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/03\/malaysia-currency-ringgit-10.png?fit=180 180w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/03\/malaysia-currency-ringgit-10.png?fit=360 360w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/03\/malaysia-currency-ringgit-10.png?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\" loading=\"lazy\"><\/p><\/div><div class=\"u-grid__col u-1\/2@s\"><p><img decoding=\"async\" class=\"aligncenter sml-image-center size-full wp-image-578617\" src=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/03\/malaysia-currency-ringgit-20.png\" alt=\"malaysia-currency-ringgit-20\" width=\"200\" height=\"100\" srcset=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/03\/malaysia-currency-ringgit-20.png?fit=180 180w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/03\/malaysia-currency-ringgit-20.png?fit=360 360w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/03\/malaysia-currency-ringgit-20.png?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\" loading=\"lazy\"><img decoding=\"async\" class=\"aligncenter sml-image-center size-full wp-image-578613\" src=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/03\/malaysia-currency-ringgit-50.png\" alt=\"malaysia-currency-ringgit-50\" width=\"200\" height=\"100\" srcset=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/03\/malaysia-currency-ringgit-50.png?fit=180 180w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/03\/malaysia-currency-ringgit-50.png?fit=360 360w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/03\/malaysia-currency-ringgit-50.png?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\" loading=\"lazy\"><img decoding=\"async\" class=\"aligncenter sml-image-center size-full wp-image-578615\" src=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/03\/malaysia-currency-ringgit-100.png\" alt=\"malaysia-currency-ringgit-100\" width=\"200\" height=\"100\" srcset=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/03\/malaysia-currency-ringgit-100.png?fit=180 180w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/03\/malaysia-currency-ringgit-100.png?fit=360 360w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2016\/03\/malaysia-currency-ringgit-100.png?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\" loading=\"lazy\"><\/p><\/div><\/div><h3>Exchanging your cash<\/h3><p>It\u2019s easy to exchange your money to Malaysian ringgit when you arrive in Malaysia. Banks and foreign exchange offices can be found in major tourist centres. There is no fee to exchange cash \u2013 just different rates between exchange offices. Shop around to find the best rate, but the difference between exchange offices is usually marginal.<\/p><p>Hotels can exchange cash as well as cash traveller\u2019s cheques, but the rates they offer are less competitive than what you can get at banks and other authorised money changers. To find the best rate, avoid getting your cash changed around Kuala Lumpur Sentral, the airport or at a hotel.<\/p><p>Make sure you check you\u2019ve been given the right amount of cash before you walk away from the teller, and resist the urge to get your money changed on the street or at shops. Street vendors and merchants may be able to offer you a better rate than what you can get at banks and Bureaux De Change offices. However, these vendors are more likely to rip you off.<\/p><h3 id=\"mix\">Using a mix of travel money options<\/h3><p>Malaysia is still a cash economy; you\u2019ll need cash to experience some of the best parts of Malaysian food and culture. Most travellers visiting Malaysia opt for a combination of debit, credit and travel cards. Debit and travel cards are a good way to pay for your everyday spending, while credit cards can be used for deposits, big purchases and emergency situations. If you do plan on using your credit card in Malaysia, make sure you tell your card provider about your travel plans first so that your credit card is not blocked.<\/p><h3 id=\"faq\">Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">What safety tips should I know for handling money in Malaysia?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Common sense is the best approach to money safety in Malaysia. Avoid carrying excessive amounts of cash and don\u2019t make it obvious if you are holding a lot of banknotes. Use reputable ATMs inside of banks or near banks with security and cover your hand when you\u2019re entering your PIN. Or, if you\u2019re using a banking app, keep a close eye on your phone.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">What are the bank opening hours?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Banks in Malaysia are open Monday to Friday from 9.30am to 4pm. Banks in the Muslim states of Malaysia may have different opening hours.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Do I pay more because I\u2019m not Malaysian?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>In some places, you may pay more because you\u2019re a tourist. This foreigner tax is not unique to Malaysia. If you feel the price is unreasonably inflated, all you can do is walk away.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">How much should I tip?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Unlike countries like the United States, tipping is not expected in Malaysia. A service fee may be included in the bill at some restaurants. A tip is always appreciated though, so you can leave change for wait staff if you feel the service justifies something extra.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Get your travel money sorted for your trip to Malaysia including what cards to take, how much money you&#8217;ll need and what currency to take with you.<\/p>\n","protected":false},"author":1146,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"nicheCode":"","productId":"","enableOptimizely":false,"_persistent_nav_menu_items":null,"blockTemplateId":"","_post_hreflang":"en","related_url":"\/malaysia","workflow-intro":"","workflow-faq":"","workflow-conclusion":"","workflow-benefits":"","workflow-overview":"","workflow-test":"","footnotes":""},"categories":[525],"tags":[],"asset_tag":[],"class_list":["post-66663","post","type-post","status-publish","format-standard","hentry","category-travel-money"],"apple_news_notices":[],"yoast_head":"<!-- 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