Currency education-program

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. Earlier Series of Malaysian Currency
2. Creating a New Currency Series
3. The New Series of Malaysian Currency:
• Design
• Specifications
4. General Authentication Guides
• Security Features at a Glance
5. It Pays to Check Your Banknotes
6. Counterfeiting:
• How to handle them
• Offences and punishments
7. Maintaining Quality of Banknotes
8. Exchange of Unfit Currency
9. Corporate Social Responsibility (CSR)

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) RM500 and RM1000 demonetised in 1998

Design Theme : ‘Wawasan 2020’

Earlier Series of Malaysian Coins

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

Second Series Coinage material
(1988 – 2011)
1 sen :
Design Theme : Copper-plated steel
Cultural Artifact
Series 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

‘Distinctively Malaysia’ multimedia presentation:
RM1
RM5
RM10
RM20
RM50
RM100

Specifications of the New Currency
Specification tables:
New Banknotes New Coins
Denomination Substrate Size (mm) Predominant Denomination Alloy Shape Edge Colour
Colour
RM100 Paper 150 x 69 Purple 50 sen Nickel Brass Round with 9 Plain Yellow
RM50 Paper 145 x 69 Green-blue Clad Copper indents

RM20 Paper 145 x 65 Orange 20 sen Nickel Brass Round Coarse Yellow
10 sen Stainless Steel Round Milled Silver
RM10 Paper 140 x 65 Red
5 sen Stainless Steel Round Plain Silver
RM5 Polymer 135 x 65 Green
RM1 Polymer 120 x 65 Blue

• reintroduction of RM20 banknotes for greater convenience in making payments
Denomination • discontinue issuing 1 sen following the implementation of rounding mechanism

• retained sizes and predominant colours of the earlier series banknotes
Colour and Size • 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
Substrate • new metal alloys to extend durability and lifespan of the coins

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
Feel polymer with some transparent area.

Check the banknote using devices:
o UV light – the paper substrate
will not glow except for Guide to Look at the banknote
certain security features against white light:
verify your o Watermark and clear
o Magnifier – intaglio micro-
letterings are printed and banknotes window – a shadow
Check Look image and denom value
invisible by the naked eye
appear
o Security thread – a dark line
with micro letterings appears

Hold the banknote straight and tilt it:
o Observe the image motion and colour
Tilt
changes at the woven security thread.

Security Features at a Glance
Take a closer look – guide to check your new RM1 polymer banknote
4 1 1 1 Intaglio
5 Feel the raised printing effect by touch
2 1

Look at the banknote against white light and observe :

3 Shadow Image
1 2 Clear window 3
6 transparent window complete shadow image of
1
containing embossed the “Songket“
numeral 1
4
5

4 Non-transparent window 5 Perfect see-through register
crescent and star complete formation
7 8 printed in white from of numeral 1
the back

6

Check using magnifier and UV light for the following :

6 Micro letterings 7 Two colour fluorescent 8 Text and logo
intaglio micro element
stag motif and a rectangle with
Wau Bulan and numeral 1,
letterings text ‘BNM1’
appear in red and yellow
colour

Take a closer look – guide to check your new RM5 polymer banknote
5 Look at the banknote against white
1 1 1 Intaglio
6
light and observe :
Feel the raised printing effect
1 by touch
3 2 Colour shifting
2
patch
4 ‘sulur kacang’ motif
1 3 Clear window changes colour from
7 transparent window green to purple
1
containing embossed
numeral 5
4 Shadow Image
6 5 complete shadow of the
5 Non-transparent window hornbill

crescent and star
printed in white 6 Perfect see-through
8 9 from the back register
complete formation
7
of numeral 5


7 Micro letterings 8 Two colour fluorescent 9 Text and logo
intaglio micro element
stag motif and a rectangle with
hornbill and numeral 5,
letterings text ‘BNM5’
appear in red and yellow
colour

Take a closer look – guide to check your new RM10 banknote
1 Intaglio Tilt the banknotes and observe:
3 1 1
Feel the raised printing effect by touch
1 4 Colour shifting security
9
4 thread
2
• the woven security
1 thread changes colour
6 from blue to red
light and observe: • continuous dark line
5 with micro text
3
2 Watermark Potrait BNM10
watermark portrait and
7 8 numeral 10 5 Coloured glossy patch

a gold-coloured
3 Perfect see-through stripe with text
1 6 register RM10
complete formation
of numeral 10


6 Micro 7 Two colour fluorescent 8 Text and logo 9 Security fibers
letterings element
stag motif and a visible
intaglio micro image of Rafflesia with rectangle with text scatterred in
letterings numeral 10, appear in red ‘BNM10’ red, yellow and
and yellow colour blue colours

3 1 1
Feel the raised printing effect by touch
1 4 Colour shifting security
9 thread
4
2
• the woven security
thread changes colour
1 from gold to green
1
light and observe: • continuous dark line
with micro text
5
3 2 Watermark Potrait BNM20
watermark portrait and
numeral 20 5 Coloured glossy patch
7 8

3 Perfect see-through a gold-coloured
1 6 register stripe with text
RM20
complete formation
of numeral 20


letterings element
stag motif and a visible scattered
image of turtle with rectangle with text in red, yellow
intaglio micro
numeral 20, appear in ‘BNM20’ and blue colours
letterings
red and yellow colour

1 1 1
3 Feel the raised printing effect by touch
4 Colour shifting security
6 10
thread
1
5 the woven security
2
thread changes colour
1 from red to green
light and observe: 5 Holographic stripe
3 2 Watermark Potrait
Pumping and matt-
4 watermark portrait and structure effect of
numeral 50 numeral 50 and
9 hibiscus flower
8
3 Perfect see-through
register 6 Multi-colour
1 latent image
7 Graphic songket
design registers Numeral 50 visible in
perfectly various colours when
rotated

letterings element
stag motif and a visible scattered
image of bio-molecule in rectangle with text in red, yellow
intaglio micro
numeral 50, appear in ‘BNM50’ and blue colours
letterings
red and yellow colour

1 Intaglio Look at the banknote against white
3 1 1 Feel the raised printing effect by touch light and observe:

1
2 Watermark Potrait
10
5
2 4 watermark portrait and
numeral 100
1
Tilt the banknotes and observe:
1 1
7 3 Perfect see-through
5 Micro-lense security register
6 thread
3 complete
the image of ‘Bunga Raya’ in formation of
7
the thread moves numeral 100
8 9
4 Embedded
Thread
1 7
continuous dark
line embedded
6 Coloured glossy patch in the paper
a gold-coloured stripe with text RM100

letterings element
stag motif and a visible
intaglio image of Mount Kinabalu rectangle with scattered in
micro with numeral 100, appear text ‘BNM100’ red, yellow and
letterings in blue and yellow colour blue colours

Take a closer look – guide to authenticate your new coins

lettering of the denomination “50” and “SEN” when
Latent image
the coin is tilted

5 sen
10 sen
Edge design the milled and indented edges are evenly spaced
20 sen
50 sen

embossed effect of very fine lines
Micro-lines

50 sen

Magnetic properties specific magnetic properties from magnetic – 5 and 10 sen
characteristic of alloy composition
non-magnetic – 20 and 50 sen

It Pays to Check Your Banknotes
Counterfeit currencies are completely worthless. Don’t get caught– protect yourself and
check your banknotes when you receive them.
Spot the differences!
Genuine Counterfeit Genuine Counterfeit

1 Intaglio 4 Printing
quality

2 Security
thread
5 Micro
letterings

3 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
Offence Maximum punishment
Code

489A Counterfeiting of currency notes Imprisonment for 20 years, and fine

489B Using counterfeit currency notes Imprisonment for 20 years, and fine

489C Possession of counterfeit currency notes Imprisonment for 10 years

Making of processing instrument or
489D materials for counterfeiting currency Imprisonment for 20 years, and fine
notes

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
expose the banknotes to high temperatures Benefit
of  non-porous
polymer  cleaner
crumple, staple and pin your banknotes
 resistance to
fold the banknotes by applying heavy pressure tear
use scissor and knives to unpack banknotes

X X X

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 ..and unfit if :
meets all of the following criterias:

 Genuine, not counterfeit
 Free from defects, holes, tears, tape
or missing banknote portion soil deface

 has uniform brightness and is free
from excessive soiling
 Free from ink wear
 Free from defacing
Ink-wear holes

Unfit banknotes and coins can be assessed
for exchange of value at commercial banks
and BNM branches…
tear tapes

Guidelines on Quality standard for Malaysian Currency can be downloaded at www.bnm.gov.my

Exchange of Unfit Banknotes

The exchange of value will subject to the following assessment guidelines:

Assessment
Full value Half value No value
Criteria

More than 2/3 of the original More than ½ but less than 2/3 of Less than ½ of the original
banknote’s size the original banknote’s size banknote’s size
original size original size original size

Size of banknote

Full value No value

Markings on the portrait of YDP
Minor defacing Major defacing or using banknote Agong or writings depicting political
as a writing pad slogan and religious elements
Defacing

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:
Bank Negara Malaysia
Reduce usage of brand new notes for
“duit raya” during festive seasons
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 BNM TELELINK
+603-26988044 ext:8568 1-300-88-5465

ncs@bnm.gov.my
bnmtelelink@bnm.gov.my

www.bnm.gov.my

Contact Person: General queries -En. Ghazari Amri Sanusi Ext: 7408
Training & education - Tn. Hj. Abdul Rani Lazim Ext: 7745
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

Currency education-program

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