Currency of Malaysia, exchange rate, bank cards, checks, tips
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Exchange rate
The exchange rate of Malaysia's currency against world currencies is quite stable. Approximate exchange rate to the ruble: 1 ringgit costs 17 rubles. To quickly convert the cost in ringgit to rubles, simply multiply it by 1.7 and add zero. For example, 20 ringgit is about 340 rubles.
Биржевой курс обмена (малазийский ринггит) на сегодня ()
Реальный курс обмена валюты *
* - Расчет реального курса обмена произведен с учетом комиссий, которые удерживаются обменными пунктами и банками за обмен. Он может быть и выше расчетного, но если вам предлагают курс обмена ниже этого, это повод задуматься о поиске другого места для обмена.
* - При включенном виджете, курс обмена выбранной валюты будет отображаться в правом сайдбаре на каждой странице сайта, пока вы его не отключите сами.
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Currency Of Malaysia

National currency Malaysia - ringgit (ringgit), also called the old-fashioned Malay dollar. The international currency designation is RM or MYR. The ringgit is divided into 100 Sen. The old currency is the Malay dollar, currently not really used, but sometimes used virtually in price tags, and in real calculation is converted into ringgit.
Currently, banknotes in denominations of 1, 5, 10, 20, 50 and 100 ringgit of different issues are in circulation throughout the country.
All the money of Malaysia contains a portrait of the first Supreme Ruler of Malaysia-Tuanku Abdul Rahman.
Singapore Dollars and Brunei are also known here as ringgit, and therefore be careful when calculating, especially in areas bordering these states.
Settlement in foreign currency is not particularly common in Malaysia and is mostly conducted everywhere in the national currency. Even if prices are quoted in US dollars (mostly tourist services), the calculation will most likely still be made in local currency. The Singapore dollar is quite widespread when paying, however, a very unfavorable rate is used for direct calculations with this currency.
Where and what is better to change:
It is best to change the currency in specialized exchange offices, since the rate is more profitable in them than in banks. An airport Exchange may be somewhat less lucrative, but it's not that grossly undervalued. For example, the rate in Kuala Lumpur airport KLIA is 2.93, and in Kuala Lumpur 3.08 on the same day, i.e. the difference when exchanging 100 dollars will be 15 ringgit (about 150 rubles). If you can not do without local currency at the airport, then it is better to change a small amount at the airport, and change the principal amount at exchange offices as needed. In most exchange offices, the rate for small bills is lower than for large ones (50, 100 dollars), and in some exchangers 1, 5, 10 dollars are not accepted at all. There is no difference between the exchange rate for banknotes of 50 and 100 dollars, so you can safely carry both with you.
In most parts of the country, banks are open Monday-Friday from 09:30-16: 00. On Saturday, banks are open only 2 hours from 09.30 to 11.30. The banks are closed on Sundays. In the states of Kedah, Kelantan, Terengganu, banks operate on a different schedule: Wednesday - Saturday from 09:30 - 16:00, Thursday: 09:30 -11:30 , Friday do not work. All banks in Malaysia are closed on the 1st Saturday of the month. Exchange offices set the mode of operation at their discretion and often start working quite late, at 10-11 hours.
What currency is better to take to Malaysia
The most convenient currency to exchange is the dollar. Euros can also be exchanged everywhere. If you are traveling from Thailand and you have Thai currency (baht), then it can also be safely exchanged everywhere.
Bank cards/receipts

Plastic cards in Malaysia are very widespread. ATMs are installed everywhere. Pay for purchases in a restaurant, hotel, shopping center will also not be difficult. But remember about precautions: Asian countries are banks to countries of increased risk when using plastic cards, and Malaysia in particular. Very often, even cards of such systems as VISA and Mastercard are blocked when using them in Malaysia. Read the note about security measures when working with plastic cards for travelers here.
Keep in mind that when paying with credit cards, the card will be charged 2.5 - 3% more for processing.
If you are traveling to remote, rural areas, it is better to take care of cash withdrawals in advance in a big city.
Travel receipts are fairly common in Malaysia and you will have no problem cashing checks at major banks. The exchange rate of checks in banks and exchange offices is even slightly higher than cash (for example, the purchase rate of a cash dollar is 2.93; the purchase rate of checks is 3.0945). As with cash exchange, the rate varies from place to place, and it is better to look for a specialized exchange office where they accept checks (they have a higher rate than in banks).
Tips
Tipping is not accepted in Malaysia. Usually, the bill for payment includes both taxes and service fees.
If you really liked the service, you can thank you with a tip. Porters in hotels are given a coin of 1-2 ringgit. When paying for a taxi ride, you can round up the amount. In the restaurant you can refuse to surrender 1-2 ringgit.
If they refuse to tip and insist on giving you change (and this happens not so rarely), you also do not insist and take the change.
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