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The exchange rate applicable for your transaction will be based on the respective Visa/Mastercard/UnionPay real time forex rate. Your transaction amount will be converted into Ringgit Malaysia based on such forex rate which will be made available at Visa/Mastercard/UnionPay’s website.
Please refer to our fees and charges table as provided in this FAQ.
Your MYR transactions with foreign merchants (including overseas or online transactions) will be converted by a service offered at selected overseas ATMs, websites or by certain merchants known as Direct Currency Conversion (DCC) and will be subject to:
a) Conversion process at the applicable exchange rate determined by the relevant DCC service provider, and not by us.
b) Foreign Merchant Transactions using DCC service will also be subject to transaction fees imposed by the Card Schemes.
All overseas and foreign merchant transactions, including online transactions, shall be converted to Ringgit Malaysia at the prevailing conversion rate on the day of conversion, and will include the charges determined by Card Schemes as well as a 1% service fee.