u can open rhb multi currency account (got both conventional and islamic)

no currency conversion fee (33 currency only)

just that, debit card annual fee is 20/year

exchange rate by rhb,

as usual, bank like to use word "attractive interest rates" haha

u can convert, or u can also use that currency with the debit card.
example u buy gbp, and when in london, it will deduct ur gbp balance (provided u have enough balance of gbp), if less, it will deduct myr balance + 1% conversion fee.