{"id":3450,"date":"2025-08-28T12:25:49","date_gmt":"2025-08-28T04:25:49","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3450"},"modified":"2025-08-28T12:25:49","modified_gmt":"2025-08-28T04:25:49","slug":"%e5%8e%bb%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%97%85%e6%b8%b8%e8%af%a5%e7%94%a8%e4%bb%80%e4%b9%88%e6%94%af%e4%bb%98%e6%96%b9%e5%bc%8f%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/08\/28\/%e5%8e%bb%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%97%85%e6%b8%b8%e8%af%a5%e7%94%a8%e4%bb%80%e4%b9%88%e6%94%af%e4%bb%98%e6%96%b9%e5%bc%8f%ef%bc%9f\/","title":{"rendered":"What payment method should I use when travelling to Malaysia?"},"content":{"rendered":"<p>When travelling to Malaysia, the choice of payment method needs to be a combination of local spending habits and your convenience. Below are detailed suggestions:<\/p>\n<h3>1. <strong>Cash (RM, MYR)<\/strong><\/h3>\n<ul>\n<li><strong>significance<\/strong>: It is still the main method of payment for small transactions, night markets, vendors, taxis, etc.<\/li>\n<li><strong>Redemption Recommendations<\/strong>::\n<ul>\n<li><strong>Domestic exchange<\/strong>: Bank of China \/ ICBC for advance booking and better exchange rates.<\/li>\n<li><strong>Local exchange<\/strong>Airport exchange rates are poor, but downtown shopping malls (e.g. KLCC, Pavilion) offer better value for money. We recommend the \"Mid Valley\" or \"Bukit Bintang\" areas.<\/li>\n<\/ul>\n<\/li>\n<li><strong>ATM cash withdrawal<\/strong>::\n<ul>\n<li>ATMs that support UnionPay cards (Maybank, CIMB, etc.), but will charge a handling fee (about RMB 15-30 per transaction).<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3>2. <strong>Credit\/debit cards<\/strong><\/h3>\n<ul>\n<li>Visa\/Mastercard is widely accepted, and UnionPay is available at some merchants (especially in Chinese shopping areas).<\/li>\n<li><strong>Recommended Scenarios<\/strong>: Large shopping centres, hotels, restaurant chains.<\/li>\n<li><em>take note of<\/em>::\n<ul>\n<li>Some small shops may set a minimum spend before swiping your card.<\/li>\n<li>Overseas transaction fee is about 1.5%-3%. Preference can be given to cards with no currency conversion fee.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3>3. <strong>mobile payment<\/strong><\/h3>\n<p>- GrabPay.<br \/>\nBundled with the Grab App for taxi and partner merchant payments<br \/>\n- Touch 'n Go eWallet.<br \/>\nSimilar to Alipay, requires local mobile phone number to register, suitable for long term stayers<br \/>\n- Alipay\/WeChat Pay.<br \/>\nSome Chinese businesses only (e.g. duty free shops\/convenience shop chains)<\/p>\n<p>4.<strong>a traveller's cheque<\/strong>(largely phased out)<br \/>\nNot recommended - hassle to cash in and not accepted by most merchants<\/p>\n<hr>\n<h3><em>practical skill<\/em><\/h3>\n<ol>\n<li>Cash Allocation] Prepare change at RM100-200 per person per day (for snacks\\tickets) and use your card for large purchases.<\/li>\n<li>[Anti-theft] Separate the cash and avoid putting it all in your wallet.<\/li>\n<li>Real-time exchange rates] Install an app such as \"Simple Exchange Rate\" to compare prices.<\/li>\n<\/ol>\n<p>Example trip payment combination:<\/p>\n<pre><code class=\"language-text\">Breakfast (rice with coconut milk) \u2192 RM5 cash  <br>\r\nTwin Towers Shopping \u2192 Visa Credit Card  <br>\r\nDurian Night Market \u2192 Cash RM20  <br>\r\nGrab taxi \u2192 GrabPay balance  <br>\r\n<\/code><\/pre>\n<p>If you have more specific needs (e.g., how to pay for self-drive refuelling, etc.), you can ask further questions~<\/p>\n<p>Right! Here's what to pay for travelling to Malaysia<strong>Advanced Supplementary Guide<\/strong>, covering more details and solutions for special scenarios:<\/p>\n<hr>\n<h3><strong>5. Payment for transport<\/strong><\/h3>\n<ul>\n<li>\n<p><strong>Kuala Lumpur Metro\/Bus<\/strong>::<\/p>\n<ul>\n<li>The Touch 'n Go Card (physical card) is recommended and can be purchased at MRT stations or convenience stores (cost of capital RM5-10) for travelling on the LRT, MRT, buses, and even at some of the motorway toll booths.<\/li>\n<li><em>alternative<\/em>: Take a taxi with Grab (bind your credit card or top up your GrabPay balance).<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Long distance bus\/train (KTMB)<\/strong>::<\/p>\n<ul>\n<li>Visa\/Mastercard is required to purchase tickets on the official website, and cash is available for on-site purchases.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>car hire and self-drive<\/strong>::<\/p>\n<ul>\n<li>Cash is generally accepted at petrol stations (especially in towns and villages), with some credit cards supported in major cities; Touch 'n Go cards are required for tolls.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<hr>\n<h3><strong>6. Duty-free shopping and refunds<\/strong><\/h3>\n<ul>\n<li><strong>Conditions for Tax Refunds<\/strong>: 5%-6% refund for spending of RM300 or more in a single shop, passport must be presented and a tax refund slip requested.<\/li>\n<li><strong>Payment association reminder<\/strong>: It is recommended to use a credit card to make purchases, and it is quicker to return the tax refund directly to the original card (cash refunds may be lined up).<\/li>\n<\/ul>\n<hr>\n<h3><strong>7. \"Cashless\" constraints and responses<\/strong><\/h3>\n<p>Despite the popularity of electronic payments in major cities, the following situations still require attention:<br \/>\n| <strong>take<\/strong>               | <strong>Recommendation<\/strong>                | <em>note<\/em>                          |<br \/>\n|&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;|&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;-|&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;|<br \/>\n|Night Markets \/ Roadside Stalls |Money in small amounts (RM10\/20 change) |Durian stalls, desserts, etc. do not accept cards.<br \/>\n|Chinese Tea Room (Breakfast) |Cash |Older establishments such as Yakun's may only accept cash.<br \/>\n|Island Resorts (e.g. Heatwave Island) |Confirm in advance! Some of them are cash\/Visa only |Remote islands have poor internet connection, mobile payment may not work |<\/p>\n<hr>\n<h3><em><strong>Safety Tips<\/strong><\/em><\/h3>\n<ol>\n<li>Anti-theft swipe] Choose chip card insertion instead of magnetic stripe swipe when you swipe your card, and enable the limit of secret-free payment for small transactions.<\/li>\n<li>[Spare cash] RM200 emergency cash in a hidden bag in your luggage (in case you lose your wallet).<\/li>\n<\/ol>\n<hr>\n<h3><em>Niche Needs Supplement<\/em><\/h3>\n<p>\u2705 <strong>Donation boxes in places of worship<\/strong> \u2192 cash coins only<br \/>\n\u2705 B&amp;B Deposit \u2192 Cash Deposit may be required (communicate in advance)<br \/>\n\u274c American Express card \u2192 very low acceptance<\/p>\n<p>For more specific scenario answers (e.g. payment optimisation for trips with seniors\/children), let me know the details of your trip!<\/p>","protected":false},"excerpt":{"rendered":"<p>When travelling to Malaysia, the choice of payment method needs to be combined with local spending habits and your convenience...<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[30],"tags":[],"class_list":["post-3450","post","type-post","status-publish","format-standard","hentry","category-30"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - 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