RHB Commodity Murabahah Multi Currency Account-i (CMMCA-i)

Highlights and Benefits

Shariah Compliance

Commodity Murabahah Multi Currency Account-i is based on the Shariah contract of Commodity Murabahah via Tawarruq
A Tawarruq* consists of two sale and purchase contracts. The first involves the sale of an asset by a seller to a purchaser on a deferred basis. Subsequently, the purchaser of the first sale will sell the same asset to a third party on a cash and spot basis.

Multiple Foreign Currencies, One Account

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

RHB Online Banking

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

Shariah Compliance

Commodity Murabahah Multi Currency Account-i is based on the Shariah contract of Commodity Murabahah via Tawarruq
A Tawarruq* consists of two sale and purchase contracts. The first involves the sale of an asset by a seller to a purchaser on a deferred basis. Subsequently, the purchaser of the first sale will sell the same asset to a third party on a cash and spot basis.

Multiple Foreign Currencies, One Account

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

RHB Online Banking

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

Instant Currency Conversion

All buying and selling of foreign currencies can be performed anytime, anywhere via RHB Online Banking or at any RHB branch.

Hedge Against Fluctuations

Minimize the risk of currency fluctuations with up to 33 foreign currencies available.

No More Double Conversions

Avoid double conversions for receivables and remittances to and from other countries.

Instant Currency Conversion

All buying and selling of foreign currencies can be performed anytime, anywhere via RHB Online Banking or at any RHB branch.

Hedge Against Fluctuations

Minimize the risk of currency fluctuations with up to 33 foreign currencies available.

No More Double Conversions

Avoid double conversions for receivables and remittances to and from other countries.

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)
Jordanian Dinar (JOD)	Cambodian Riel (KHR)	Bahraini Dinar (BHD)	Indian Rupee (INR)
Vietnamese Dong (VND)	Turkish Lira (TRY)	Mexican Peso (MXN)	Polish Zloty (PLN)
Korean Won (KRW)

Commodity Murabahah Multi Currency Account-i conversion rates.

Check out the latest multi currency account conversion rates.

Find Out More

Check out the latest multi currency account conversion rates.

Find Out More

Choose your preferred Account Type.

Export Proceeds Account (XPCM)

For exporters to retain export proceeds in foreign currency obtained from exporting physical goods.

Non-Export Proceeds Account (EQCM)

For non-individuals to credit foreign currency obtained from activities other than physical goods, such as rental, fees, etc.

Individual (NSCM - Investment MCA)

For resident/non-resident individuals to:

Retain investment funds from abroad.
Invest in foreign currency either from conversion of Ringgit or foreign currency borrowing/financing from a licensed onshore bank.
Manage educational funds in foreign currencies locally and overseas.
Retain oversea salaries from abroad.

Individual Export Proceeds Account (ITCM)

For resident/non-resident individuals to:

Retain export proceeds.

*Not eligible for Multi Currency Visa Debit Card-i

Export Proceeds Account (XPCM)

For exporters to retain export proceeds in foreign currency obtained from exporting physical goods.

Non-Export Proceeds Account (EQCM)

For non-individuals to credit foreign currency obtained from activities other than physical goods, such as rental, fees, etc.

Individual (NSCM - Investment MCA)

For resident/non-resident individuals to:

Retain investment funds from abroad.
Invest in foreign currency either from conversion of Ringgit or foreign currency borrowing/financing from a licensed onshore bank.
Manage educational funds in foreign currencies locally and overseas.
Retain oversea salaries from abroad.

Individual Export Proceeds Account (ITCM)

For resident/non-resident individuals to:

Retain export proceeds.

*Not eligible for Multi Currency Visa Debit Card-i

Choose your deposit type.

Call Deposit

Minimum initial call deposit:
Foreign Currencies: USD 200 or its equivalent

Profit rate calculated daily and credited at month end
No minimum withdrawal amount.

Term Deposit

Tenure ranging from 1 week to 12 months.
Minimum initial term deposit of USD2,000 or its equivalent.
Profit paid upon maturity

Call Deposit

Minimum initial call deposit:
Foreign Currencies: USD 200 or its equivalent

Profit rate calculated daily and credited at month end
No minimum withdrawal amount.

Term Deposit

Tenure ranging from 1 week to 12 months.
Minimum initial term deposit of USD2,000 or its equivalent.
Profit paid upon maturity

Click here for latest Multi Currency Deposit Rates

Eligibility

Residents and
non-residents

Individuals aged 18 years and above

Corporations and business entities

Joint account is allowed

Residents and
non-residents

Individuals aged 18 years and above

Corporations and business entities

Joint account is allowed

Here’s How You Can Apply.

To open a Commodity Murabahah Multi Currency Account-i, it is compulsory to open a Ringgit Savings or Current Account-i.
All buying and selling of foreign currencies and precious metals can be performed via RHB Online Banking or at any RHB branch.

Complete application and declaration form with two specimen signatures.

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

Complete application and declaration form with two specimen signatures.

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-i

First Multi Currency Account-i in Malaysia with a debit card that allows you to transact with Ringgit Malaysia and up to 33 foreign currencies.

Instant Currency Conversion

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

No Currency Conversion Fee*

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

Preferred Conversion Rates

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

Safety and Credibility

Your deposit is protected by PIDM.

Stay Unaffected By Currency Fluctuation

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

Instant Currency Conversion

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

No Currency Conversion Fee*

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

Preferred Conversion Rates

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

Safety and Credibility

Your deposit is protected by PIDM.

Stay Unaffected By Currency Fluctuation

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