💱 Currency Exchange Rates Malaysia
Kadar Pertukaran Mata Wang Terkini | 55+ Currencies
Real-Time MYR Rates | Bank Negara Reference | Updated Every 15 Minutes
USDT (Tether) Rate Malaysia
Cryptocurrency Stablecoin | Pegged to USD
💱 All 55 Currencies by Region | Mata Wang Mengikut Wilayah
🌏Asia & Pacific | Asia & Pasifik
🕌Middle East & Africa | Timur Tengah & Afrika
🇪🇺Europe | Eropah
🌎Americas | Amerika
💰Digital & Crypto | Mata Wang Digital
Click any currency for details • Rates in MYR • Source: Bank Negara Malaysia • Updated every 15 min
📊 Understanding Currency Exchange | Memahami Pertukaran Mata Wang
Buy Rate vs Sell Rate
- • Buy Rate - Amount of MYR you pay to buy 1 unit of foreign currency
- • Sell Rate - Amount of MYR you receive when selling 1 unit of foreign currency
- • Spread - The difference between buy and sell rates (money changer's profit)
Kadar Beli vs Kadar Jual
- • Kadar Beli - Jumlah MYR yang anda bayar untuk membeli 1 unit mata wang asing
- • Kadar Jual - Jumlah MYR yang anda terima apabila menjual 1 unit mata wang asing
- • Spread - Perbezaan antara kadar beli dan jual (keuntungan money changer)
🌍 Major World Currencies | Mata Wang Utama Dunia
USD - US Dollar
Dolar Amerika Syarikat
World's reserve currency. Used for international trade, online shopping, and business transactions globally.
SGD - Singapore Dollar
Dolar Singapura
Essential for Malaysians working in Singapore, JB-SG commuters, and cross-border trade.
SAR - Saudi Riyal
Riyal Arab Saudi
Essential for Hajj and Umrah pilgrims. High demand during pilgrimage seasons.
GBP - British Pound
Pound Sterling British
Important for Malaysian students in UK, tourism, and business with British companies.
EUR - Euro
Euro Eropah
Official currency of 20 European countries. Important for European travel and trade.
USDT - Tether
Cryptocurrency Stablecoin
Most popular stablecoin, pegged 1:1 to USD. Used for crypto trading and remittance.
💡 Money Changer Tips | Tips Tukar Wang
🏆 Best Places to Exchange Money in Malaysia
- 1.Jalan Masjid India, KL - Best rates for large amounts
- 2.Mid Valley Megamall - Many competitive money changers
- 3.KLCC - Convenient with good rates
- 4.Bukit Bintang - Multiple options to compare
- 5.Petaling Street - Competitive rates for Asian currencies
✅ Smart Exchange Tips | Tips Bijak Tukar Wang
- •Compare rates from 2-3 money changers before exchanging
- •Avoid airport money changers - worst rates
- •Weekdays 10AM-4PM usually have better rates
- •Track rates for a week before large exchanges
- •Always count money before leaving the counter
💲 USDT & Cryptocurrency in Malaysia
What is USDT (Tether)?
USDT (Tether) is a stablecoin cryptocurrency pegged 1:1 to the US Dollar. It maintains a stable value of approximately $1 USD, making it popular for:
- • Crypto trading without volatility risk
- • International remittance with low fees
- • Storing value in digital form
- • Cross-border payments
Buying USDT in Malaysia
Popular platforms to buy USDT in Malaysia:
- • Luno - Licensed by Securities Commission
- • Tokenize - Malaysian exchange
- • MX Global - SC-approved exchange
- • P2P Trading - Binance, Huobi P2P
Note: Always use SC-licensed exchanges for security.
❓ FAQ | Soalan Lazim
Where to get best exchange rates? | Di mana kadar terbaik? ▼
Money changer di Jalan Masjid India, Mid Valley, dan KLCC biasanya menawarkan kadar terbaik. Elakkan lapangan terbang.
How often do rates change? | Bila kadar berubah? ▼
Kadar mata wang berubah sepanjang waktu dagangan (24/5). RateX.my dikemaskini setiap 15 minit.
Bank vs Money Changer - which is better? ▼
Money changer biasanya menawarkan kadar lebih baik. Bank lebih selamat tetapi spread lebih tinggi (1-3%).
What is USDT and how to buy it in Malaysia? ▼
USDT adalah stablecoin berkadar 1:1 dengan USD. Beli melalui bursa berlesen SC: Luno, Tokenize, atau MX Global.
Best time to exchange currency? | Masa terbaik tukar wang? ▼
Hari bekerja antara 10AM-4PM. Elakkan Isnin (tidak stabil) dan hujung minggu (pilihan terhad).
What documents needed to exchange money? ▼
Untuk jumlah bawah RM10,000, biasanya tiada dokumen diperlukan. Jumlah lebih besar, bawa IC/pasport.
How much USD can I bring into Malaysia? ▼
Anda mesti mengisytiharkan jumlah melebihi USD 10,000 semasa masuk/keluar Malaysia. Isi Borang Kastam K22.
Why is SGD always changing against MYR? ▼
SGD/MYR berubah berdasarkan aliran perdagangan, perbezaan kadar faedah, dan prestasi ekonomi kedua-dua negara.
Can I use Ringgit in Singapore/Thailand? ▼
MYR tidak diterima secara meluas di luar negara. Tukar ke mata wang tempatan sebelum melancong.
What affects the Ringgit value? ▼
Harga minyak, sawit, kadar Fed AS, OPR BNM, imbangan perdagangan, dan kestabilan politik mempengaruhi MYR.
Currency Exchange Malaysia 2026 - Complete Guide | Panduan Lengkap Pertukaran Mata Wang
RateX.my is Malaysia's #1 trusted source for real-time currency exchange rates. We provide live rates for 55+ global currencies including USD, SGD, GBP, EUR, SAR, AED, JPY, CNY, and even cryptocurrency stablecoins like USDT. Whether you're a traveler, business owner, expatriate, or investor, our platform provides accurate Bank Negara Malaysia reference rates updated every 15 minutes.
🇺🇸 USD to MYR - US Dollar Rate Malaysia
The USD to MYR (US Dollar to Malaysian Ringgit) is the most watched exchange rate in Malaysia.
As the world's reserve currency, USD affects import prices, online shopping (Amazon, eBay), and international investments.
Kadar pertukaran USD ke MYR adalah yang paling diperhatikan di Malaysia.
🇸🇬 SGD to MYR - Singapore Dollar Rate
Over 300,000 Malaysians work in Singapore, making SGD to MYR crucial for daily life.
JB-SG commuters, remittance senders, and shoppers at JB malls closely monitor this rate.
Lebih 300,000 rakyat Malaysia bekerja di Singapura, menjadikan kadar SGD penting.
Understanding the Malaysian Ringgit (MYR) | Memahami Ringgit Malaysia
The Malaysian Ringgit (MYR), denoted by the symbol RM, is the official currency of Malaysia. It is issued by Bank Negara Malaysia (BNM), the central bank. The Ringgit is subdivided into 100 sen. Malaysia uses a managed float exchange rate system, where BNM intervenes to prevent excessive volatility.
Ringgit Malaysia (MYR) adalah mata wang rasmi Malaysia yang dikeluarkan oleh Bank Negara Malaysia. Malaysia menggunakan sistem kadar tukaran apungan terurus.
📊 Key Factors Affecting MYR Exchange Rates | Faktor Mempengaruhi Kadar MYR
- •Crude Oil Prices - Malaysia is a net oil exporter
- •Palm Oil Prices - World's 2nd largest producer
- •Bank Negara Interest Rates - OPR decisions
- •US Federal Reserve Policy - USD strength
- •Harga Minyak Mentah - Malaysia pengeksport minyak
- •Harga Minyak Sawit - Pengeluar ke-2 terbesar dunia
- •Kadar Faedah BNM - Keputusan OPR
- •Dasar Federal Reserve AS - Kekuatan USD
Popular Currency Pairs for Malaysians | Pasangan Mata Wang Popular
USD/MYR
Shopping, Travel
SGD/MYR
Work, Commute
SAR/MYR
Hajj, Umrah
GBP/MYR
Studies, Business
Where to Exchange Money in Malaysia | Tempat Tukar Wang di Malaysia
Malaysians have multiple options for currency exchange, each with different rates and convenience levels:
🏪 Money Changers
Best rates, especially in KL city center. Popular spots: Jalan Masjid India, Mid Valley, KLCC, Bukit Bintang.
⭐ Best Rates
🏦 Banks
Maybank, CIMB, Public Bank, RHB. Higher spreads but safer for large amounts.
🔒 Most Secure
✈️ Airport
KLIA, KLIA2, Subang. Convenient but worst rates. Avoid if possible.
❌ Worst Rates
Online Money Transfer Services | Perkhidmatan Pemindahan Wang Online
Digital remittance services offer competitive rates for sending money abroad:
💡 Currency Exchange Knowledge | Pengetahuan Pertukaran Mata Wang
Common Currency Exchange Terms
- Spot Rate:
- The current market rate for immediate delivery
- Spread:
- Difference between buy and sell rates
- Base Currency:
- First currency in a pair (e.g., USD in USD/MYR)
- Quote Currency:
- Second currency (e.g., MYR in USD/MYR)
- Cross Rate:
- Exchange rate between two currencies excluding USD
- Pip:
- Smallest price movement in forex (0.0001)
Istilah Pertukaran Mata Wang
- Kadar Spot:
- Kadar pasaran semasa untuk penghantaran serta-merta
- Spread:
- Perbezaan antara kadar beli dan jual
- Mata Wang Asas:
- Mata wang pertama dalam pasangan
- Mata Wang Sebut:
- Mata wang kedua dalam pasangan
- Kadar Silang:
- Kadar antara dua mata wang tanpa USD
- Pip:
- Pergerakan harga terkecil dalam forex (0.0001)
Malaysian Ringgit (MYR) History & Facts | Sejarah & Fakta Ringgit
📜 MYR Timeline
- 1967 - Ringgit introduced, replacing Malaya and British Borneo dollar
- 1973 - Free float begins after Bretton Woods collapse
- 1998 - Fixed at 3.80 to USD during Asian Financial Crisis
- 2005 - Managed float system reintroduced
- 2015 - MYR weakened significantly due to oil price crash
- 2024-2026 - Recovery with BNM policy adjustments
📊 Fun Facts About MYR
- • "Ringgit" comes from Malay word for "jagged" (Spanish silver coins)
- • Malaysia's currency code MYR stands for Malaysian Ringgit
- • Highest denomination note: RM100
- • MYR is among top 20 most traded currencies globally
- • Bank Negara Malaysia manages monetary policy
- • Malaysia's forex reserves: ~USD 115 billion (2026)
🎯 Currency for Your Needs | Mata Wang untuk Keperluan Anda
✈️ Travel & Tourism
Popular currencies for Malaysian travelers:
💼 Business & Trade
Essential for import/export:
🕌 Hajj & Umrah
For pilgrimage to Saudi Arabia:
Tip: Exchange SAR 2-3 weeks before departure
🎓 Education Abroad
For Malaysian students overseas:
🏦 Bank Negara Malaysia (BNM) Reference Rates | Kadar Rujukan Bank Negara
What are BNM Reference Rates?
Bank Negara Malaysia publishes daily Kijang Emas and foreign currency rates as reference. These are mid-market rates used for accounting and official purposes. Money changers and banks set their own rates based on BNM reference + their spread.
Apakah Kadar Rujukan BNM?
Bank Negara Malaysia menerbitkan kadar Kijang Emas dan mata wang asing harian sebagai rujukan. Ini adalah kadar pertengahan pasaran untuk perakaunan dan tujuan rasmi. Money changer dan bank menetapkan kadar sendiri berdasarkan rujukan BNM + spread mereka.
🔍 Popular Currency Searches | Carian Popular Mata Wang
English Searches
- • usd to myr today
- • dollar to ringgit
- • sgd to ringgit malaysia
- • singapore dollar to myr
- • gbp to myr rate
- • pound to ringgit
- • usdt price malaysia
- • tether rate myr
- • euro to ringgit
- • sar to myr rate
- • saudi riyal to ringgit
- • best money changer kl
- • bank negara exchange rate
- • currency converter myr
- • ringgit exchange rate today
- • jpy to myr
- • yen to ringgit
- • thb to myr
- • baht to ringgit
Carian Bahasa Malaysia
- • kadar pertukaran usd ke myr
- • tukaran sgd ke ringgit
- • harga usdt hari ini
- • kadar pound ke ringgit
- • riyal saudi ke ringgit
- • money changer terbaik kl
- • kadar tukaran wang asing
- • kadar bank negara
- • tukar wang singapura
- • dolar amerika ke ringgit
- • euro ke ringgit malaysia
- • kadar tukaran hari ini
- • kalkulator pertukaran wang
- • ringgit ke rupiah
- • yen jepun ke ringgit
- • baht thailand ke myr
- • won korea ke ringgit
- • yuan china ke ringgit
Related Searches
- • forex malaysia 2026
- • myr forecast 2026
- • ringgit prediction
- • when will ringgit strengthen
- • why ringgit weak
- • best rate money changer
- • mid valley money changer
- • klcc currency exchange
- • bukit bintang money changer
- • jalan masjid india rate
- • wise transferwise malaysia
- • remitly to malaysia
- • send money to malaysia
- • bnm exchange rate
- • maybank forex rate
- • cimb currency rate
- • public bank forex
- • crypto exchange malaysia
📊 MYR vs Other Asian Currencies | MYR berbanding Mata Wang Asia Lain
1 MYR =
0.32
🇸🇬 SGD
1 MYR =
34.8
🇯🇵 JPY
1 MYR =
8.10
🇹🇭 THB
1 MYR =
3,650
🇮🇩 IDR
* Approximate rates. Check live rates above for accuracy.
📅 Currency Events to Watch | Peristiwa Mata Wang untuk Dipantau
Key Events Affecting MYR
- • Bank Negara Malaysia OPR decisions (6 times/year)
- • US Federal Reserve FOMC meetings (8 times/year)
- • Malaysia GDP announcements (quarterly)
- • US Non-Farm Payrolls (monthly)
- • China PMI data (monthly)
- • Crude oil inventory reports (weekly)
Peristiwa Utama Mempengaruhi MYR
- • Keputusan OPR Bank Negara (6 kali/tahun)
- • Mesyuarat FOMC Federal Reserve AS (8 kali/tahun)
- • Pengumuman KDNK Malaysia (suku tahunan)
- • Laporan Gaji Bukan Pertanian AS (bulanan)
- • Data PMI China (bulanan)
- • Laporan inventori minyak mentah (mingguan)
About Currency Rates on RateX.my
RateX.my provides real-time currency exchange rates for 55+ currencies based on Bank Negara Malaysia reference rates. Our rates are updated every 15 minutes during market hours.
RateX.my menyediakan kadar pertukaran mata wang masa nyata untuk 55+ mata wang berdasarkan kadar rujukan Bank Negara Malaysia. Kadar kami dikemaskini setiap 15 minit.
💸 Best Remittance Services Malaysia | Perkhidmatan Kiriman Wang Terbaik
| Service | Speed | Fees | Rate | Best For |
|---|---|---|---|---|
| Wise (TransferWise) | 1-2 days | Low | Excellent | Best overall value |
| Remitly | Minutes-3 days | Medium | Good | Fast transfers |
| Instarem | 1-3 days | Low | Good | Asia-focused |
| Western Union | Minutes | High | Okay | Cash pickup |
| MoneyGram | Minutes | High | Okay | Cash pickup |
* Fees and rates vary by amount and destination. Always compare before sending.
📈 Forex Trading Malaysia | Dagangan Forex Malaysia
Is Forex Trading Legal in Malaysia?
Yes, forex trading is legal in Malaysia but only through licensed brokers approved by Bank Negara Malaysia and Securities Commission. Offshore brokers are not regulated and carry higher risks.
Popular licensed brokers: FXCM, IG Markets, Saxo Bank (through Malaysian entities).
Adakah Dagangan Forex Sah di Malaysia?
Ya, dagangan forex adalah sah di Malaysia tetapi hanya melalui broker berlesen yang diluluskan oleh Bank Negara Malaysia dan Suruhanjaya Sekuriti. Broker luar pesisir tidak dikawal selia dan berisiko tinggi.
Broker berlesen popular: FXCM, IG Markets, Saxo Bank (melalui entiti Malaysia).
⚠️ Warning: Forex trading involves significant risk. Only trade with money you can afford to lose.
⚠️ Amaran: Dagangan forex melibatkan risiko yang besar. Hanya berdagang dengan wang yang anda mampu rugi.
✈️ Travel Currency Tips for Malaysians | Tips Mata Wang Perjalanan
🌏 Traveling to Asia
- • Thailand: Exchange MYR to THB in KL (better rates)
- • Japan: Get JPY in Malaysia or use 7-Eleven ATMs in Japan
- • Korea: Exchange in Myeongdong for best rates
- • Indonesia: Exchange in KL, avoid airports
🇪🇺 Traveling to Europe
- • Get EUR before leaving Malaysia
- • Carry some USD as backup
- • Use Wise or Revolut card for payments
- • Avoid airport exchanges in Europe
🕌 Hajj & Umrah Tips
- • Exchange SAR 2-3 weeks before departure
- • Jalan Masjid India has best SAR rates
- • Bring mix of denominations
- • Keep emergency USD ($100-200)
🏦 Malaysian Banks Forex Services | Perkhidmatan Forex Bank Malaysia
Maybank
Maybank2u Forex
Online exchange
CIMB
CIMB Clicks Forex
Multi-currency account
Public Bank
PB Engage
Competitive rates
RHB
RHB Now
Foreign currency FD
Related Topics | Topik Berkaitan
Complete Guide to Currency Exchange in Malaysia 2026
Understanding the Malaysian Ringgit (MYR) Exchange Rate System
Malaysia operates under a managed float exchange rate system, where the value of the Ringgit is determined by market forces but Bank Negara Malaysia (BNM) can intervene to prevent excessive volatility. This system has been in place since 2005 when Malaysia moved away from the fixed exchange rate that was implemented during the 1997 Asian Financial Crisis.
The Malaysian Ringgit is heavily influenced by several key factors: commodity prices (particularly crude oil and palm oil as Malaysia is a major exporter), interest rate differentials between Malaysia and other major economies, trade balance, and foreign investment flows. When oil prices rise, the Ringgit typically strengthens; when they fall, the Ringgit tends to weaken.
Currency Exchange Options in Malaysia
Malaysians have several options for exchanging currency. Licensed money changers typically offer the best rates and can be found in shopping malls, commercial areas, and tourist districts. Popular locations include Jalan Masjid India (known for the best rates in KL), Mid Valley Megamall, Pavilion KL, KLCC, and Bukit Bintang area.
Banks offer currency exchange but usually at less favorable rates due to higher spreads. However, banks are preferred for large transactions due to better security and documentation. Major Malaysian banks like Maybank, CIMB, Public Bank, and RHB offer forex services both at branches and online.
Online remittance services like Wise (formerly TransferWise), Remitly, and Instarem have become popular for international transfers due to competitive rates and convenience. These services are particularly useful for expatriates sending money home or Malaysians with overseas financial obligations.
USDT and Cryptocurrency in Malaysia
USDT (Tether) has gained popularity in Malaysia as a bridge between traditional currency and cryptocurrency. It's a stablecoin pegged 1:1 to the US Dollar, meaning its value remains relatively stable compared to volatile cryptocurrencies like Bitcoin. Malaysians use USDT for cryptocurrency trading, international remittance (often with lower fees than traditional methods), and as a store of value.
In Malaysia, USDT can be purchased through Securities Commission (SC) approved exchanges like Luno, Tokenize Xchange, and MX Global. Peer-to-peer (P2P) platforms like Binance P2P are also popular but operate in a regulatory gray area. Always ensure you're using legitimate platforms to avoid scams.
Tips for Getting the Best Exchange Rates
✅ DO
- Compare rates from 2-3 money changers
- Track rates for a week before large exchanges
- Exchange on weekdays 10AM-4PM for best rates
- Use cash for better rates at money changers
- Count money before leaving the counter
❌ DON'T
- Exchange at airports (worst rates)
- Accept rates without comparing
- Exchange large amounts at hotels
- Use ATMs abroad without checking fees
- Ignore the sell vs buy rate difference
🔗 Official Sources & Useful Links | Sumber Rasmi & Pautan Berguna
🏦Central Banks
💱Licensed Money Changers
📊Market Data & Tools
💰Crypto Exchanges (SC Licensed)
📰Financial News
📱Mobile Apps
- 📲 XE Currency - iOS/Android
- 📲 Wise App - Best for transfers
- 📲 BigPay - Multi-currency card
- 📲 Revolut - Coming to Malaysia