I put in NZ$ st 9% and AUD at 7.25% . The slippage between buying and selling is about 2.5 %. Assuming currency remains constant it is still more than double local FD rates after 1 year. So you have some forex exposure which can go either way. But I think NZ and Oz are relatively safer than Ringgit lor..

We're referring to the spread between the bank buying and selling the foreign currency which is about 2.7%. so if you put in foreign currency FD, it should be long term of at least 2 years to minimize this effect, assuming forex rates do not move significantly.

PB bank presently offers 9% p.a. At this rate you double your money in 8 years. Between NZ$ and Rm, I'm willing to place a fair bet on NZ.