Money

Malaysia ATM withdrawal optimizer for foreign cards

Foreign cards get charged twice in Malaysia: your home bank's foreign ATM fee (often USD 3-5) and the Malaysian bank's own fee. Some banks (CIMB) waive the local fee on certain networks; Maybank charges RM12 + 1%. This tells you exactly which combo loses the least.

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Total cash needed (MYR)Your bank foreign ATM fee (USD)Card FX margin (%)MYR per withdrawal

FAQ

CIMB and HSBC Malaysia are usually best - CIMB waives the local fee on most networks, HSBC-to-HSBC is often free. Maybank (green logo, most common) charges RM12 per withdrawal.

Yes. Most Malaysian ATMs cap foreign cards at MYR 1,500-3,000 per withdrawal, 3-5 withdrawals per day.

Lowest FX margin (0.3-0.5%) and may waive foreign ATM fees up to a monthly cap (Wise: MYR 1,000/month free, then 1.5%). Best combo when used at a CIMB or HSBC ATM.