Benefits

  • Based on the principle of Mudharabah (profit sharing)
  • Available in more than 10 major currencies: Australian Dollar, Canadian Dollar, Euro Dollar, Hong Kong Dollar, Japanese Yen, New Zealand Dollar, Sterling Pound, Swiss Francs, Singapore Dollar, and US Dollar
  • An alternative form of investment/savings in the currency of your choice, particularly for your child's education overseas, travel, etc
  • Economical: enjoy reduced costs on fund transfers and losses during currency conversions
  • Stable: minimise the risk of currency fluctuations
  • Enjoy dividends calculated daily and credited monthly
  • Enjoy the convenience of remittance facilities at any of our branches as well as 700 correspondent banks worldwide
  • Free Personal Accident Insurance Coverage, discounts on traveller's cheques and telegraphic transfers

Who can apply

  • Individuals and non-individuals, depending on the type of FCA applied for
  • Export proceeds – for resident exporters and Approved International Procurement Centre (AIPC)
  • Other receivables – for resident individuals and corporations (with or without domestic borrowings) and non-resident individuals and corporations
  • Education and employment abroad – for resident individuals

Indicative Dividend rates (%)

USD (Individual)Current Rate
Less than 3,0000.01
3,000 and above0.01

USD (Non - Individual)Current Rate
Less than 10,0000.01
10,000 and above0.01

EUR (Individual)Current Rate
Less than 3,0000.01
3,000 and above0.01

EUR (Non - Individual)Current Rate
Less than 10,0000.01
10,000 and above0.01

GBP (Individual)Current Rate
Less than 3,0000.01
3,000 and above0.01

GBP (Non - Individual)Current Rate
Less than 10,0000.01
10,000 and above0.01

AUD (Individual)Current Rate
Less than 3,0000.01
3,000 and above1.00

AUD (Non - Individual)Current Rate
Less than 10,0000.01
10,000 and above1.00

AED (Individual)Current Rate
Less than 11,0180.01
11,018 and above0.01

AED (Non - Individual)Current Rate
less than 36,7270.01
36,727 and above0.01

CAD (Individual)Current Rate
Less than 2,9090.01
2,909 and above0.01

CAD (Non - Individual)Current Rate
Less than 9,6970.01
9,697 and above0.01

CHF (Individual)Current Rate
Less than 2,7440.01
2,744 and above0.01

CHF (Non - Individual)Current Rate
Less than 9,1460.01
9,146 and above0.01

CNY (Individual)Current Rate
Less than 19,6430.45
19,643 and above0.45

CNY (Non - Individual)Current Rate
Less than 65,4760.45
65,476 and above0.45

DKK (Individual)Current Rate
Less than 15,7210.01
15,721 and above0.01

DKK (Non - Individual)Current Rate
Less than 52,4030.01
52,403 and above0.01

HKD (Individual)Current Rate
Less than 23,3450.01
23,345 and above0.01

HKD (Non - Individual)Current Rate
Less than 77,8170.01
77,817 and above0.01

IDR (Individual)Current Rate
Less than 26,088,7930.01
26,088,793 and above0.01

IDR (Non - Individual)Current Rate
Less than 86,962,6440.01
86,962,644 and above0.01

INR (Individual)Current Rate
Less than 133,5130.01
133,513 and above0.01

INR (Non - Individual)Current Rate
Less than 445,0440.01
445,044 and above0.01

JPY (Individual)Current Rate
Less than 248,7370.01
248,737 and above0.01

JPY (Non - Individual)Current Rate
Less than 829,1230.01
829,123 and above0.01

NZD (Individual)Current Rate
Less than 3,9380.01
3,938 and above0.01

NZD (Non - Individual)Current Rate
Less than 13,1270.01
13,127 and above0.01

PESO (Individual)Current Rate
Less than 130,2570.01
130,257 and above0.01

PESO (Non - Individual)Current Rate
Less than 434,1890.01
434,189 and above0.01

QTR (Individual)Current Rate
Less than 10,9240.01
10,924 and above0.01

QTR (Non - Individual)Current Rate
Less than 36,4130.01
36,413 and above0.01

SEK (Individual)Current Rate
Less than 18,8320.01
18,832 and above0.01

SEK (Non - Individual)Current Rate
Less than 62,7730.01
62,773 and above0.01

SGD (Individual)Current Rate
Less than 3,7790.01
3,779 and above0.01

SGD (Non - Individual)Current Rate
Less than 12,5980.01
12,598 and above0.01

THB (Individual)Current Rate
Less than 90,7890.01
90,789 and above0.01

THB (Non - Individual)Current Rate
Less than 302,6300.01
302,630 and above0.01

Effective from 16 June 2012 to 15 July 2012. For further enquiries, please contact the nearest branch.

Profit Sharing Ration (PSR)

USD (Individual)
Depositor
Bank
Less to 3,000
2
98
3,000 and above
2
98
USD (Business)
Depositor
Bank
Less to 10,000
2
98
10,000 and above
2
98
EUR (Individual)
Depositor
Bank
Less to 3,000
2
98
3,000 and above
2
98
EUR (Business)
Depositor
Bank
Less to 10,000
2
98
10,000 and above
2
98
GBP (Individual)
Depositor
Bank
Less to 3,000
2
98
3,000 and above
2
98
GBP (Business)
Depositor
Bank
Less to 10,000
2
99.8
10,000 and above
2
99.8
AUD (Individual)
Depositor
Bank
Less to 3,000
2
98
3,000 and above
2
98
AUD (Business)
Depositor
Bank
Less to 10,000
2
98
10,000 and above
2
98

AED (Individual)
Depositor
Bank
Less than 11,018
0.2
99.8
11,018 and above
0.2
99.8
AED (Non - Individual)
Depositor
Bank
Less than 36,727
0.2
99.8
36,727 and above
0.2
99.8
CAD (Individual)
Depositor
Bank
Less than 2,909
0.2
99.8
2,909 and above
0.2
99.8
CAD (Non - Individual)
Depositor
Bank
Less than 9,697
0.2
99.8
9,697 and above
0.2
99.8
CHF (Individual)
Depositor
Bank
Less than 2,744
0.2
99.8
2,744 and above
0.2
99.8
CHF (Non - Individual)
Depositor
Bank
Less than 9,146
0.2
99.8
9,146 and above
0.2
99.8
CNY (Individual)
Depositor
Bank
Less than 19,643
7.8
92.2
19,643 and above
7.8
92.2

CNY (Non - Individual)
Depositor
Bank
Less than 65,476
7.8
92.2
65,476 and above
7.8
92.2
DKK (Individual)
Depositor
Bank
Less than 15,721
0.2
99.8
15,721 and above
0.2
99.8
DKK (Non - Individual)
Depositor
Bank
Less than 52,403
0.2
99.8
52,403 and above
0.2
99.8
HKD (Individual)
Depositor
Bank
Less than 23,345
0.2
99.8
23,345 and above
0.2
99.8
HKD (Non - Individual)
Depositor
Bank
Less than 77,817
0.2
99.8
77,817 and above
0.2
99.8
IDR (Individual)
Depositor
Bank
Less than 26,088,793
0.2
99.8
26,088,793 and above
0.2
99.8
IDR (Non - Individual)
Depositor
Bank
Less than 86,962,644
0.2
99.8
86,962,644 and above
0.2
99.8

INR (Individual)
Depositor
Bank
Less than 133,513
0.2
99.8
133,513 and above
0.2
99.8
INR (Non - Individual)
Depositor
Bank
Less than 445,044
0.2
99.8
445,044 and above
0.2
99.8
JPY (Individual)
Depositor
Bank
Less than 248,737
0.2
99.8
248,737 and above
0.2
99.8
JPY (Non - Individual)
Depositor
Bank
Less than 829,123
0.2
99.8
829,123 and above
0.2
99.8
NZD (Individual)
Depositor
Bank
Less than 3,938
0.2
99.8
3,938 and above
0.2
99.8
NZD (Non - Individual)
Depositor
Bank
Less than 13,127
0.2
99.8
13,127 and above
0.2
99.8
PESO (Individual)
Depositor
Bank
Less than 130,257
0.2
99.8
130,257 and above
0.2
99.8

PESO (Non - Individual)
Depositor
Bank
Less than 434,189
0.2
99.8
434,189 and above
0.2
99.8
QTR (Individual)
Depositor
Bank
Less than 10,924
0.2
99.8
10,924 and above
0.2
99.8
QTR (Non - Individual)
Depositor
Bank
Less than 36,413
0.2
99.8
36,413 and above
0.2
99.8
SEK (Individual)
Depositor
Bank
Less than 18,832
0.2
99.8
18,832 and above
0.2
99.8
SEK (Non - Individual)
Depositor
Bank
Less than 62,773
0.2
99.8
62,773 and above
0.2
99.8
SGD (Individual)
Depositor
Bank
Less than 3,779
0.2
99.8
3,779 and above
0.2
99.8
SGD (Non - Individual)
Depositor
Bank
Less than 12,598
0.2
99.8
12,598 and above
0.2
99.8

THB (Individual)
Depositor
Bank
Less than 90,789
0.2
99.8
90,789 and above
0.2
99.8
THB (Non - Individual)
Depositor
Bank
Less than 302,630
0.2
99.8
302,630 and above
0.2
99.8

Effective from 16 July to 15 August 2011. For further enquiries, please contact the nearest branch.

Free Takaful coverage

Enjoy free Personal Accident Takaful coverage with the following account balance:

Account balance
Death and Permanent Disablement benefits due to accidents
Accident medical expenses benefits
Coverage
RM5,000 - RM20,000
RM25,000
RM200 per accident. Aggregate RM2,000
RM1,000
RM20,001 - RM50,000
RM50,000
RM300 per accident. Aggregate RM3,000
RM1,500
Above
RM50,000
RM75,000
RM300 per accident. Aggregate RM3,000
RM1,500

Required documents

For Personal/Joint accounts

  • Original Identity Card (IC) for Malaysians and Passports for foreigners

Please also bring along any of the following secondary supporting documents:-

  • Valid Passport (if IC is produced as a Primary document)
  • Valid driving licence
  • Utility bills (e.g. water/electricity/telephone bills, Quit Rent, Assessment Notice) in the name and address of the customer opening the account
  • Letter of employment
  • Credit card

Please choose a branch located near your home or place of work. 

Fees & charges

Service charge for credit/debit transaction (depending on the currency): USD$4 or its equivalent

View all banking fees

 

Next steps

Apply online

Apply now for a Foreign Currency Account

Call us

Got a question? Call our Customer Care hotline at
1300 88 6688, any time,
any day

Locate us

With close to 400 branches nationwide, getting to us is easy. Find us here
 
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