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Bank Negara Malaysia (BNM) has reminded the public that banknotes in circulation should be kept in acceptable condition
In a Facebook post on 2 December, the central bank said that notes that do not meet its prescribed standards should be exchanged.
It added that banks handling currency matters are generally expected to accept damaged banknotes — even if you do not have an account with the bank — and that straightforward exchanges should be processed immediately at the counter.
BNM said customers are entitled to same-day reimbursement if:
– At least two-thirds of the original note remains intact
– The portrait of the Yang di-Pertuan Agong is not marked, and
– The note has no political slogans or defacing marks, words, or figures
For notes that require further inspection — such as those that are ink-stained, burnt, or damaged by termites — banks will have to refer them to BNM for verification
BNM said financial institutions should inform customers when questionable notes need to be sent to them for assessment, a process that will take time.
If the currency still holds value, a refund will be credited to the customer's account after evaluation.
BNM also reiterated that anyone, including non-customers, can visit any bank branch to exchange damaged currency
If a bank refuses to assist, the public is advised to file a complaint with BNMLINK.
For more information on the proper handling of currency, visit BNM's website.
