Changing MYR to USD in Malaysia: the cheapest way, and what the rest cost you
The spread takes 34.93 MYR if you pay by card with Public Bank Berhad, and 35.89 MYR at OCBC Bank (Malaysia)'s banknote desk.
Same money, same day — a 0.95 MYR difference for choosing how you pay rather than where.
Every figure is read from a bank's own published board, or derived from a margin it discloses — named in the evidence column, never inferred. We do not rank by any commercial relationship; the order below is the rate, and nothing else.
Which method costs least
This is the choice worth the most money, and the one most comparisons skip. Cash desks sit several points above card and transfer rates in every country we measure.
| Method | Cheapest here | Costs you | How we know |
|---|---|---|---|
| Pay by card The rate your card issuer converts at, plus the fee it discloses. |
Public Bank Berhad | 34.93 MYR | 1.25% disclosed fee, checked 2026-07-23 |
| Transfer / account conversion What the bank converts at when the money moves between accounts. |
Public Bank Berhad | 34.93 MYR | read from www.pbebank.com |
| Buy banknotes at a branch The bank's own banknote board — the widest spread of the three, everywhere we measure. |
OCBC Bank (Malaysia) | 35.89 MYR | read from internet.ocbc.com.my |
Cash withdrawals at an ATM are left out on purpose: they carry a per-withdrawal fee we do not collect, so listing them beside the others would flatter them.
Every bank's cash / banknotes rate
If you have to use a branch anyway, this is the order to try them in — 7 banks, cheapest first. The dearest takes 1.9% more than the cheapest.
| Bank | Buys USD | Sells USD | Costs you |
|---|---|---|---|
| OCBC Bank (Malaysia) own board | 3.9740 | 4.1240 | 35.89 MYR |
| Read from the board this bank publishes at internet.ocbc.com.my. | |||
| CIMB Bank own board | 3.9487 | 4.1392 | 43.10 MYR |
| Read from the board this bank publishes at www.cimb.com.my. | |||
| Affin Bank own board | 3.9400 | 4.1600 | 52.88 MYR |
| Read from the board this bank publishes at www.affinalways.com. | |||
| Public Bank Berhad own board | 3.9670 | 4.1600 | 52.88 MYR |
| Read from the board this bank publishes at www.pbebank.com. | |||
| RHB Bank own board | 3.8010 | 4.1960 | 69.59 MYR |
| Read from the board this bank publishes at www.rhbgroup.com. | |||
| Alliance Bank own board | 3.9000 | 4.2000 | 71.43 MYR |
| Read from the board this bank publishes at www.allianceonline.com.my. | |||
| Standard Chartered Malaysia own board | 3.9496 | — | — |
| Read from the board this bank publishes at www.sc.com. | |||
Every bank's transfers rate
If you have to use a branch anyway, this is the order to try them in — 8 banks, cheapest first. The dearest takes 1.8% more than the cheapest.
| Bank | Buys USD | Sells USD | Costs you |
|---|---|---|---|
| Public Bank Berhad own board | 3.9860 | 4.1220 | 34.93 MYR |
| Read from the board this bank publishes at www.pbebank.com. | |||
| OCBC Bank (Malaysia) own board | 3.9870 | 4.1240 | 35.89 MYR |
| Read from the board this bank publishes at internet.ocbc.com.my. | |||
| Alliance Bank own board | 3.9600 | 4.1300 | 38.74 MYR |
| Read from the board this bank publishes at www.allianceonline.com.my. | |||
| CIMB Bank own board | 3.9507 | 4.1392 | 43.10 MYR |
| Read from the board this bank publishes at www.cimb.com.my. | |||
| HSBC Bank Malaysia own board | 3.9643 | 4.1477 | 47.11 MYR |
| Read from the board this bank publishes at www.hsbc.com.my. | |||
| Standard Chartered Malaysia own board | 3.9518 | 4.1593 | 52.56 MYR |
| Read from the board this bank publishes at www.sc.com. | |||
| Affin Bank own board | 3.9500 | 4.1600 | 52.88 MYR |
| Read from the board this bank publishes at www.affinalways.com. | |||
| RHB Bank own board | 3.8410 | 4.1960 | 69.59 MYR |
| Read from the board this bank publishes at www.rhbgroup.com. | |||
Tell me when this changes
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Rates are MYR per 1 USD; "costs you" is the part of your amount the spread absorbs, against 4.0500, the reference these banks price from. Collection began 2026-06-24. Indicative information for comparison, not financial advice. What each country's rates are officially anchored to is on the references page. Generated 2026-11-10.