Licensed money changer kiosks can be found in the bigger towns while most hotels offer this service 24/7.
Major credit cards are accepted in most hotels and larger retail outlets but beware of illegal surcharges. Banks will advance cash against major credit cards. With American Express, Visa and MasterCard as well as Cirrus, Plus and Maestrobank (debit) cards, you can withdraw money from automatic teller machines (ATMs) in the bigger cities and many towns. Travellers cheques can be cashed at Malaysian banks, licensed money changers and some hotels.
The Ringgit, which is the Malaysian currency, is exchangeable at money changers and at both local and international banks.