I have found that almost all Malaysian banks have very bad service for south Asians (not just my experience) and it is very difficult to even open an account (I gave up getting one for my wife after visiting about 6 banks). Despite being premier in 3 banks here, service is very poor and the staff are universally rude and deeply condescending.

The upshot is that I still use my HK/US/Singapore bank accounts for most things and am put off from investing in Malaysia though the low ringgit last year made it an excellent investment destination. It is strange that the govt has so many schemes like MM2H to attract investment and has been excellent to deal with so far but any desire that one may have had to invest disappears on encountering the banks.

There are plenty of places in the world which always welcome your money (particularly the tiny dot next door) and the only reason I have to deal with the local banking system is that nobody else deals with MYR and my local expenses are in MYR.