Malaysian Currency

Secure Esthetic Easily Recognized Essential information for users and handlers

A Currency Education Program by:

Objectives
This presentation is guided by the following objectives: 1. To introduce the design, specifications and security features of the new banknote and coin series 2. To educate members of the public on the detection of counterfeit 3. To educate the importance of maintaining integrity (confidence) and quality of currency in circulation

Presentation Outline
1. 2. 3. Earlier Series of Malaysian Currency Creating a New Currency Series The New Series of Malaysian Currency: Design Specifications General Authentication Guides Security Features at a Glance

4.

5.
6.

It Pays to Check Your Banknotes

Counterfeiting: How to handle them Offences and punishments Maintaining Quality of Banknotes Exchange of Unfit Currency Corporate Social Responsibility (CSR)

7. 8. 9.

Earlier Series of Malaysian Banknotes

reflecting national pride and identity in all series of Malaysian Banknotes maintaining confidence and integrity of payment instrument to satisfy cash transactions
First Series (1967 1982) Design Theme : Geometrical

Second Series (1982 1996) Design Theme : Architecture

Third Series (1996 - 2011)

Design Theme : Wawasan 2020

RM500 and RM1000 demonetised in 1998

Earlier Series of Malaysian Coins

First Series (1967 1987) Design Theme : Parliament Series Coinage material: 1 sen : Copper-plated steel 5 sen to 1 Ringgit: Cupro Nickel

Second Series (1988 2011) Design Theme : Cultural Artifact Series

Coinage material 1 sen : Copper-plated steel 5 sen to 50 sen: Cupro Nickel 1 Ringgit: Copper Zinc Tin Rebana Ubi Gasing Congkak Tepak Sirih Wau bulan Keris

RM1 coin demonetised in Dec 2005

Creating a New Currency Series

Secure Esthetic Easily Recognized

Why change?
enhance usage and security
leverage on advancement in printing and minting technology consistent with the practice of other central banks

Design Philosophy
advance security features to deter counterfeiting identifiable by people, including those with partial vision or total blind machine readable aesthetically appealing design features elements that are distinctively Malaysia
Prod. process

The New Series of Malaysian Currency

RM1

Distinctively Malaysia multimedia presentation:

RM100

RM50

RM20

RM10

RM5

Specifications of the New Currency

Specification tables:
New Banknotes
Denomination Substrate Size (mm) Predominant Colour

New Coins
Denomination Alloy 50 sen 20 sen 10 sen 5 sen Nickel Brass Clad Copper Nickel Brass Stainless Steel Stainless Steel Shape Round with 9 indents Round Round Round Edge Plain Colour Yellow

RM100
RM50 RM20 RM10 RM5 RM1

Paper
Paper Paper Paper Polymer Polymer

150 x 69
145 x 69 145 x 65 140 x 65 135 x 65 120 x 65

Purple
Green-blue Orange Red Green Blue

Coarse Yellow Milled Silver Plain Silver

Denomination

reintroduction of RM20 banknotes for greater convenience in making payments discontinue issuing 1 sen following the implementation of rounding mechanism
retained sizes and predominant colours of the earlier series banknotes more user friendly coins: smaller and lighter, with different edge designs introduce in two colours yellow and silver RM1 printed on polymer substrate, as it has extended lifecycle new metal alloys to extend durability and lifespan of the coins

Colour and Size

Substrate

Sizes & colours

General Authentication Guide

Use your senses to authenticate the new banknotes:
Feel the quality of banknote substrate:
o paper it should feel unique, firm, and slightly rough in the heavily printed areas with crisp sound o polymer - smooth, unique texture of the note. It is made from a single piece of polymer with some transparent area.

Feel
Check the banknote using devices:
o UV light the paper substrate will not glow except for certain security features Magnifier intaglio microletterings are printed and invisible by the naked eye

Guide to verify your banknotes

Check Look
o

Look at the banknote against white light:

o Watermark and clear window a shadow image and denom value appear

Security thread a dark line with micro letterings appears

Hold the banknote straight and tilt it:

o Observe the image motion and colour changes at the woven security thread.

Tilt

Security Features at a Glance

Take a closer look guide to check your new RM1 polymer banknote
4
5 2 1 1 1 1

Intaglio

Feel the raised printing effect by touch

Look at the banknote against white light and observe :

3 1 4 5 4 7 8 1 6 2

Clear window

Shadow Image

transparent window containing embossed numeral 1

complete shadow image of the Songket

Non-transparent window

Perfect see-through register

complete formation of numeral 1

crescent and star printed in white from the back

6

Check using magnifier and UV light for the following :

6

Micro letterings
intaglio micro letterings

Two colour fluorescent element

Wau Bulan and numeral 1, appear in red and yellow colour

Text and logo

stag motif and a rectangle with text BNM1

Security Features at a Glance

Take a closer look guide to check your new RM5 polymer banknote
5 6 3 2 4 1 1 7 3 1 1 1 1

Intaglio

Feel the raised printing effect by touch

Look at the banknote against white light and observe :

2

Colour shifting patch

Clear window

transparent window containing embossed numeral 5

5 5

sulur kacang motif changes colour from green to purple

4

Shadow Image

Non-transparent window

complete shadow of the hornbill

crescent and star printed in white from the back

7

Perfect see-through register

complete formation of numeral 5

Check using magnifier and UV light for the following :

7

Micro letterings
intaglio micro letterings

Two colour fluorescent element

hornbill and numeral 5, appear in red and yellow colour

Text and logo

stag motif and a rectangle with text BNM5

Security Features at a Glance

Take a closer look guide to check your new RM10 banknote
3 1 9 1 1

Intaglio

Tilt the banknotes and observe:

4

Feel the raised printing effect by touch

4 2 1 6 1 5 3

Colour shifting security thread

the woven security thread changes colour from blue to red

Look at the banknote against white light and observe:

2

Watermark Potrait
watermark portrait and numeral 10

continuous dark line with micro text BNM10

5

8 3 1 6

Coloured glossy patch

Perfect see-through register

complete formation of numeral 10

a gold-coloured stripe with text RM10

Check using magnifier and UV light for the following :

6

Micro letterings

Two colour fluorescent element

Text and logo

Security fibers

intaglio micro letterings

image of Rafflesia with numeral 10, appear in red and yellow colour

stag motif and a rectangle with text BNM10

visible scatterred in red, yellow and blue colours

Security Features at a Glance

Take a closer look guide to check your new RM20 banknote
1 3 1 1 4 2 1 6 1 9 1

Intaglio

Tilt the banknotes and observe:

4

Feel the raised printing effect by touch

Colour shifting security thread

the woven security thread changes colour from gold to green

Look at the banknote against white light and observe:

3 2

Watermark Potrait
watermark portrait and numeral 20

continuous dark line with micro text BNM20

8 3 1 6

Coloured glossy patch

Perfect see-through register

complete formation of numeral 20

a gold-coloured stripe with text RM20

Check using magnifier and UV light for the following :

6

Micro letterings
intaglio micro letterings

Two colour fluorescent element

Text and logo

Security fibers

image of turtle with numeral 20, appear in red and yellow colour

stag motif and a rectangle with text BNM20

visible scattered in red, yellow and blue colours

Security Features at a Glance

Take a closer look guide to check your new RM50 banknote
1 3 6 2 1 7 1 1 1

Intaglio

Tilt the banknotes and observe:

4

Feel the raised printing effect by touch

10

Colour shifting security thread

the woven security thread changes colour from red to green

Look at the banknote against white light and observe:

3 2

Holographic stripe

Watermark Potrait
watermark portrait and numeral 50

4 8 9 3 1 7

Pumping and mattstructure effect of numeral 50 and hibiscus flower

6

Perfect see-through register

Graphic songket design registers perfectly

Multi-colour latent image

Check using magnifier and UV light for the following :

7

Numeral 50 visible in various colours when rotated

9

Micro letterings
intaglio micro letterings

Two colour fluorescent element

Text and logo

10

Security fibers

image of bio-molecule in numeral 50, appear in red and yellow colour

stag motif and a rectangle with text BNM50

visible scattered in red, yellow and blue colours

Security Features at a Glance

Take a closer look guide to check your new RM100 banknote
1 3 1 1 4 1 1 1 7 1

Intaglio

Feel the raised printing effect by touch

Look at the banknote against white light and observe:

2

5 2

10

Watermark Potrait
watermark portrait and numeral 100

Tilt the banknotes and observe:

5

6
7 8 9

Micro-lense security thread

Perfect see-through register

complete formation of numeral 100

the image of Bunga Raya in the thread moves

4

7 6

Embedded Thread
continuous dark line embedded in the paper

Coloured glossy patch

a gold-coloured stripe with text RM100

Check using magnifier and UV light for the following :
7

Micro letterings
intaglio micro letterings

Two colour fluorescent element

Text and logo

10

Security fibers

image of Mount Kinabalu with numeral 100, appear in blue and yellow colour

stag motif and a rectangle with text BNM100

visible scattered in red, yellow and blue colours

Security Features at a Glance

Take a closer look guide to authenticate your new coins

Latent image

lettering of the denomination 50 and SEN when the coin is tilted

Edge design

the milled and indented edges are evenly spaced

5 sen 10 sen
20 sen 50 sen

Micro-lines

embossed effect of very fine lines

50 sen

Magnetic properties

specific magnetic properties from characteristic of alloy composition

magnetic 5 and 10 sen non-magnetic 20 and 50 sen

It Pays to Check Your Banknotes

Counterfeit currencies are completely worthless. Dont get caught protect yourself and check your banknotes when you receive them. Spot the differences!
Genuine
1

Counterfeit
4

Genuine Printing quality

Counterfeit

Intaglio

Security thread
5

Micro letterings

Watermark Potrait
6

UV features

Suspecting a Counterfeit
If you become suspicious about the currency during a transaction, follow this simple steps:
handle the money as little as possible

do not write on, cut or modify the counterfeit banknotes.

do not re-circulate the banknotes

seal it in an envelope or a plastic cover

record on a separate spread sheet of paper all the details about how you got the currency

make a police report

Circulating Counterfeit is a Crime

It is a criminal offence to keep or pass on a counterfeit banknote
Law of Malaysia: Act 574

Penal Code
489A 489B 489C

Offence Counterfeiting of currency notes Using counterfeit currency notes Possession of counterfeit currency notes Making of processing instrument or materials for counterfeiting currency notes

Maximum punishment Imprisonment for 20 years, and fine Imprisonment for 20 years, and fine Imprisonment for 10 years

489D

Imprisonment for 20 years, and fine

Maintaining Quality of Banknotes

1. The two mostly-used banknotes denominations (RM1 & RM5) are printed on polymer. The following handling tips will ensure the realization of the benefits of polymer use paper bands to pack banknotes keep the banknote flat, store in upright position clean the banknote if it is stained with dirt durable recyclable non-porous cleaner resistance to tear

expose the banknotes to high temperatures crumple, staple and pin your banknotes fold the banknotes by applying heavy pressure use scissor and knives to unpack banknotes

Benefit of polymer

Maintaining Quality of Banknotes

2. Circulation of clean/fit banknotes help to ease identification of counterfeit and makes handling more pleasing
A Malaysian banknotes considered fit if meets all of the following criterias: Genuine, not counterfeit Free from defects, holes, tears, tape or missing banknote portion has uniform brightness and is free from excessive soiling Free from ink wear Free from defacing
Ink-wear holes soil deface

..and unfit if :

Unfit banknotes and coins can be assessed for exchange of value at commercial banks and BNM branches
tear
Guidelines on Quality standard for Malaysian Currency can be downloaded at www.bnm.gov.my

tapes

Exchange of Unfit Banknotes

The exchange of value will subject to the following assessment guidelines:
Assessment Criteria Full value
More than 2/3 of the original banknotes size
original size

Half value
More than but less than 2/3 of the original banknotes size
original size

No value
Less than of the original banknotes size
original size

Size of banknote

Full value

No value
Markings on the portrait of YDP Agong or writings depicting political slogan and religious elements

Minor defacing

Defacing

Major defacing or using banknote as a writing pad

Final Thought, yet Important

As part of our Corporate Social Responsibilities (CSR), we are committed to ensure circulation of Malaysian currency is conducted in a more efficient and environmental friendly manner
Green partnership

Together, we can make a difference: Reduce usage of brand new notes for duit raya during festive seasons

Bank Negara Malaysia

No value

Reuse our coins

Cash handlers and users

Recycle fit banknotes. When withdrawing, always ask for recycled banknotes and coins first
banks Retailers/businesses public

Contact Us
Currency call centre +603-26988044 ext:8568 ncs@bnm.gov.my bnmtelelink@bnm.gov.my www.bnm.gov.my Contact Person: General queries -En. Ghazari Amri Sanusi Training & education - Tn. Hj. Abdul Rani Lazim Ext: 7408 Ext: 7745 BNM TELELINK 1-300-88-5465

Currency distribution En. Kumaravale S.M.K. Pillai Ext: 7613

Counter services En. Che Husin Che Man Ext: 7417

Q&A

all currency related questions are welcomed

Thank You

Jabatan Pengurusan dan Operasi Matawang, BNM 2012