As international travel surges post-pandemic, Malaysian travellers are seeking smarter, safer ways to spend while abroad. Gone are the days of exchanging bulky amounts of foreign currency or worrying about hidden credit card charges. Today, many are turning to a simple solution already in their pockets—overseas QR payment via mobile banking.
This innovation has redefined how users handle expenses overseas, offering convenience, security, and real-time transparency. For those using the HLB Connect app, the process is as seamless as paying at home.
What is overseas QR payment?
Overseas QR payment refers to the ability to scan and pay foreign merchant QR codes using a local mobile banking app. With this feature enabled, Malaysian users can make retail or service payments in other countries by scanning a compatible QR code directly through their app. The amount is debited from their Malaysian Ringgit (MYR) account, with currency conversion applied instantly.
The entire experience mirrors local QR payment methods like DuitNow, making it easy to adapt for travellers familiar with QR-based transactions in Malaysia. Users can enjoy this convenience without needing to carry foreign cash or additional cards.
Why Malaysians are choosing QR payments when travelling
QR payments offer a more secure and efficient alternative to traditional spending methods. Carrying large amounts of cash while travelling can be risky. With QR transactions, users avoid these risks while maintaining full control over their spending.
Additionally, QR payments offer real-time exchange rates with no surprise fees. This ensures that travellers know exactly how much they are paying in MYR, promoting better budget control during trips. For frequent travellers, the convenience of not needing multiple currency wallets adds another layer of simplicity.
QR codes also eliminate the need to search for compatible ATMs or handle different banknotes. In countries with strong QR ecosystems like Thailand and Singapore, this payment method has become especially popular among Malaysian tourists.
How HLB Connect supports overseas QR payments
HLB Connect integrates overseas QR payment into its existing mobile platform. To use it, travellers simply launch the app, scan the supported merchant QR code abroad, and authorise the transaction. The app automatically detects eligible foreign QR codes, including those from partners in countries like Thailand and Singapore.
Each payment is reflected in the user’s transaction history with real-time exchange rates applied. This function also sends instant notifications to help users track expenses and monitor security.
HLB Connect supports interoperability with regional QR networks, aligning with the DuitNow QR standard. This cross-border capability provides peace of mind, as users can expect consistent functionality across supported countries.
Benefits of using HLB Connect for international payments
Choosing HLB Connect for international QR payments delivers several practical advantages:
- Unified platform: Use one app for both domestic and international QR payments.
- Direct debit in MYR: No need to preload wallets or maintain separate balances.
- Secure payments: Transactions are encrypted, reducing the risk of theft or fraud.
- Broad acceptance: Works with major QR networks abroad, especially in ASEAN countries.
- Budget-friendly: Enjoy competitive exchange rates without hidden charges.
Whether buying coffee in Bangkok or booking a ride in Singapore, travellers can rely on their mobile app without worrying about currency confusion or manual conversions.
Conclusion
Digital banking has evolved to support the needs of today’s mobile-first, travel-savvy Malaysians. With overseas QR payment available through HLB Connect, international spending has never been more convenient. It offers a fast, transparent, and secure way to pay, freeing travellers from the limitations of cash and cards.
For those ready to travel smarter, activating overseas QR payment through HLB Connect unlocks a new level of freedom. It’s time to explore the world with confidence, one QR scan at a time.