把1仙存入银行

我一直以为以为1仙已非法定钱币,所以把家中存有1仙当作废物看待。刚刚从歪歪部落格得知，原来1仙还是可以使用，只是因为打造1仙的成本过贵，所以国家银行不再制造1仙硬币。
再加上为了减少1 仙作为买卖交易或减少流通量，所以实施rounding，那么就可以避免使用到1仙。所以大众都误以为1仙就像RM 1钱币一样不再被使用。其实，我们还是可以把现有的1仙钱币拿到国家银行，或任何一间银行分行存入个人储蓄户口，银行将不征收任何费用。



接着，我赶快上网打开BankNegara的网页以求证此资讯的真实性。

6. Is the 1 sen coin still legal tender?

Yes. The 1 sen coin remains a legal tender and can be used as a means of payment for any transaction as stipulated in Central Bank of Malaysia Act 1958 (Revised in 1994). Coins issued by the Bank shall be legal tender in Malaysia at their face value as follows:

Denomination	Maximum Amount
50 sen	Not exceeding RM10.00
20 sen, 10 sen, 5 sen and 1 sen	Not exceeding RM2.00

However, members of the public may exchange their 1 sen coins, at no charge at Bank Negara Malaysia's head office in Kuala Lumpur and its branches in Pulau Pinang, Kuala Terengganu, Johor Bahru, Kuching and Kota Kinabalu.

所以我计算了家里的1仙和5仙的总数，打算隔日存入银行，发现竟然有RM8++。没想到我眼中的废物其实蕴藏着不为人知的价值。或许有人会觉得踩着一点小钱，何必大费周章？根据目前定期存款利率（一个月=2.75%)，就算是RM 5000定期存款也只不过是RM 11.45。别轻视小钱！

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