Malaysian travellers heading to Singapore, Thailand, Indonesia, or Cambodia can now pay merchants in those countries directly from their RHB ringgit accounts, following the bank’s rollout of DuitNow Cross-Border QR payments [PDF] through its Mobile Banking App.

The feature works in the same way as local DuitNow QR payments. At a participating merchant overseas, you scan the QR code through the RHB Mobile Banking App, review the exchange rate and converted amount before confirming, and the transaction is deducted from your account in ringgit. A push notification confirms the payment once it goes through.

Who Can Use It

The feature is available to RHB customers holding active current or savings accounts denominated in Malaysian ringgit, including Islamic accounts. Multi-Currency Accounts are excluded from the service, and there are no additional fees for using it.

Transaction limits are set at RM3,000 per transaction, subject to your available balance, with a daily cap of RM50,000.

You Can See the Rate Before Approving Each Transaction

RHB quotes the exchange rate at the point of payment, and this is displayed for you to review before confirming. Since the deduction comes out of your account in ringgit, the rate at that moment determines exactly how much you pay. For larger purchases, it is worth taking a moment to check whether the displayed rate is reasonable before approving.

The RM3,000 per transaction limit also means this works best for everyday travel spending: meals, transport, retail, and similar purchases, rather than higher-value one-off payments.

Safer Payments For Travellers

Carrying cash overseas has always come with a degree of risk, lose your wallet or get pickpocketed and the money is simply gone. Paying by QR code from your ringgit account removes that exposure for day-to-day spending, and your account remains protected by whatever security measures you already have set up in the RHB Mobile Banking App.

The RM3,000 per transaction limit means this is most practical for everyday retail purchases rather than large one-off payments, but for meals, transport, and shopping across the four participating countries, it reduces the need to walk around with significant amounts of foreign cash on you.

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