Imagine exploring the world without the hassle of exchanging money or worrying about hidden fees. With a multi-currency card, this dream becomes a reality. This essential travel companion combines convenience, cost-effectiveness, and seamless currency management, making it the ultimate financial companion for your next adventure. Here’s why a multi-currency card should be your go-to for globetrotting.

1. Simplified Currency Management

Tired of juggling different currencies while traveling? Imagine landing in Paris with euros, then hopping over to London and needing pounds. Carrying multiple wallets or constantly searching for currency exchange counters can be a real headache.
 

With the HLB Multi-Currency Account, you can say "au revoir" to currency chaos. This innovative account allows you to hold and manage 12 major currencies all in one place. From US dollars and euros to Japanese yen and Australian dollars, you'll have the right currency at your fingertips. Plus, you can easily manage your funds and track your spending through the user-friendly HLB Connect App.

2. Save on Foreign Transaction Fees

Traditional credit and debit cards often come with foreign transaction fees that can quickly add up. These fees, typically 1% to 3% per transaction, might seem small at first but can significantly impact your travel budget over time.

With a card like HLB Multi-Currency Debit Card, you can avoid these fees entirely. By paying directly in the local currency using funds from your foreign currency wallet, you eliminate the need for costly currency conversions. This feature ensures you get the most value out of every purchase, whether you're booking a hotel, enjoying local cuisine, or shopping for souvenirs.

3. Master the Exchange Rate Game

Exchange rates can make or break your travel budget. Using money changers or relying on paying in the home currency at the point of sale often results in unfavourable rates and hidden markups.
 

A multi-currency card provides access to competitive exchange rates, giving you the power to convert your money when rates are most favourable. HLB’s Multi-Currency Account takes this a step further by offering real-time currency conversion through HLB Connect, ensuring you’re always in control of your finances.

4. Spend Seamlessly Anywhere in the World

A multi-currency card is accepted anywhere major payment networks like Visa or Mastercard are supported, making it as versatile as a traditional credit card. The key difference? With a multi-currency card, transactions are debited directly from the foreign currency wallet, providing a more transparent and cost-effective experience.

For example, if you’re in London and use your multi-currency card to pay for dinner, the funds will be deducted from your GBP wallet. No conversions, no surprises—just seamless spending wherever you go.

5. Enhanced Security and Peace of Mind

Carrying large amounts of cash while travelling is risky, and losing a traditional card abroad can lead to stressful situations. HLB Multi-Currency Debit Card/-i offers enhanced security features, such as:

• Transaction Alerts: Stay informed of every transaction with instant notifications.

• 24/7 Access: Monitor your balances, transactions, and conversions anytime through HLB Connect.

• Lock and Unlock Features: Temporarily disable your card if it’s lost or stolen to prevent unauthorised use.
   

These features ensure you can travel with confidence, knowing your money is secure.

6. The Perfect Companion for Everyone

The benefits of a multi-currency card aren’t limited to leisure travellers. It’s also ideal for:

• Studying Abroad: Get your account in Malaysia and spend like a local in your destination country, giving you more freedom to focus on your studies

• Frequent Flyers: Save on frequent trips without paying transaction or conversion fees when using the Multi-Currency Feature

• Foreigners: Manage finances in both your home and host countries effortlessly.

   

Protect Your Savings: Diversify your portfolio in 12 currencies to hedge against fluctuations

Why Choose HLB Multi-Currency Debit Card/-i?

The HLB Multi-Currency Debit Card is more than just a card — it’s your gateway to stress-free international travel. Here’s what sets it apart:

• 12 Major Currencies: Hold and spend in major currencies like USD, EUR, GBP, SGD, and more.

• Direct Spending in Local Currencies: Spend using a debit card with locked-in foreign currency savings, no more surprises from exchange rate fluctuations.

• Real-Time Conversion: Convert your money at competitive rates whenever you need.

   

No Hidden Fees: Say goodbye to foreign transaction fees, foreign exchange rate markups by merchants when paying in home currency, and excessive ATM charges.

Terms and Conditions apply.

Click here for the list of fees and charges, or visit any of our branches for further information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Hong Leong Bank or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.