What is the commission for withdrawing from a Russian UnionPay card in Malaysia?

The commission for withdrawing cash from a Russian UnionPay card in Malaysia depends on the bank that issued the card and the currency of the account. In 2026, only cards from Rosselkhozbank (RSHB) and the Asia-Pacific Bank (ATB) are working. Cards from other banks, such as Gazprombank or Tinkoff, no longer work.

Here are the main tariffs for the most popular card — RSHB "Svoya Karta Plus":

For example, if you withdraw 1,000 ringgit (about 20,000 rubles) from a ruble card, the commission will be 300 rubles. If you withdraw from a yuan card — 4% of the amount in yuan, which can be more noticeable.

How to minimize losses:

• Try to pay for purchases directly with the card — no commission is charged for this.
• If you withdraw cash, do it in large amounts (from 1,000 ringgit at a time) to make the commission less noticeable.
• Use MayBank or CIMB ATMs — they do not charge additional fees.
• If possible, top up your yuan card through a brokerage account — this is more profitable than buying yuan at a bank.

We have detailed all the nuances, compared tariffs, and given recommendations for choosing a card in our large guide. We recommend reading the article Currency of Malaysia: ringgit, exchange rate, exchange and cards for tourists — there you will find current calculations, examples, and life hacks from personal experience.

Follow the link, here are all the answers to your questions - https://t.me/nashaplaneta_chat