Personal Banking | Business Banking

Quick Guide on Foreign Exchange Policy

A Resident Individual (RI), Sole Proprietor (SP) or General Partnership (GP) can borrow as follows:

Borrower	Lender	Loan Currency	Loan Amount	Purpose/ Usage
RI	Non-Resident (NR) Immediate Family Member (IFM)¹	Ringgit (RM)	Any amount	Any purpose
RI	NR employer in Malaysia		Subject to Terms & Conditions of employment contract	For use in Malaysia
RI,SP or GP	NR excluding NR Financial Institution		Up to RM1 Million in aggregate²	For use in Malaysia
RI	IFM¹	Foreign Currency (FCY)	Any amount	Any purpose
RI,SP or GP	Licensed Onshore Bank or NR	Foreign Currency (FCY)	Up to RM10 Million equivalent in aggregate³	Any purpose

1	a legal spouse, parent, legitimate child (including legally adopted) or legitimate sibling of an individual
²	Computed based on an aggregate borrowing in RM by the RI and a SP and a GP owned by the RI
³	Computed based on an aggregate borrowing in FCY by the RI and a SP and a GP owned by the RI