RHB Mca account is good. HSBC is also equally good.

RHB has far better conversion rates usd / ringgit than HSBC.
Incoming TT depending from which country is typically about a few days to a week max.

Immediate 24x7. Update to the second. But I noticed usd stops at a certain time. And the weekends.

Wise is fine for smaller amounts. I rather use a full fledge bank where the deposits are protected.
Only drawback is every conversion needs to be against the ringgit.
This is a very good product for personal use. There is a RM30k limit per day on buy and sell transaction.

This post has been edited by BenChiew: Sep 17 2025, 08:48 PM

RHB has very tight buy and sell range. It’s also have foreign FD where you can put your money if not used.

I have not really compared. It’s only pertinent if you intend to buy and sell.
If it’s for regular savings, Maybank’s Islamic gold account is good. You can buy gold in any RM amount. Young people can buy RM50 of gold every month as regular savings till they retire.

I seem to be missing something here. Why would you buy and then sell?

Go to the app. There is a placement button there.