Why comparing this three? Because i only have this three account type.

All three is a Saving Account that can hold foreign currency.

Fee

HSBC Everyday Global Account-i

1. No transaction fee (if have sufficient balance in foreign currency account, else 1% conversion fee)
2. No withdrawal fee on HSCB Network ATMs (if have sufficient balance in foreign currency account)
3. VISA PLUS Withdrawal fee RM10 (or equivalent foreign currency) (if have sufficient balance in foreign currency account, else, +1% conversion fee)
4. Debit Card Annual/Issuance Fee – Waived
5. Telegraphic Transfer fee – (depend on foreign currency. eg USD 4 + cable charges)

Hong Leong Wallet-i

1. No Transaction fee – the TnC and FAQ is not clear, but supposedly if have sufficient foreign currency balance in account, no conversion fee impose. To experiment this, I have tried topup Melbourne Opal Card with AUD, no fee.
2. VISA PLUS / Mastercard Cirrus Withdrawal fee RM12 (or fixed equivalent of foreign currency ) or 2% of withdrawal amount, whichever higher
3. Debit Card Annual/Issuance Fee – RM8

RHB Multi Currency Account

1. No transaction fee (no conversion fee impose if have sufficient balance in foreign currency account)
2. VISA PLUS / Mastercard Cirrus Withdrawal fee RM12
3. Debit Card Annual Fee/Issuance Fee – RM20
4. Foreign Telegraphic Transfer (Outward/Debit) – USD10 or equivalent, perform via RHB Branch
5. Foreign Telegraphic Transfer (Inward/Credit) – No conversion or fee

Features

HSBC Everyday Global Account-i

1. Hold 11 currency.
   Australian Dollar (AUD), Canadian Dollar (CAD), Euro (EUR), Great Britain Pound Sterling (GBP), Hong Kong Dollar (HKD), Japanese Yen (JPY), Ringgit Malaysia (RM), New Zealand Dollar (NZD), Saudi Riyal (SAR), Singapore Dollar (SGD), United States Dollar (USD)
2. Can convert between MYR to other own Foreign Currency, and vice versa
3. Can convert between Foreign Currency to another Foreign Currency
4. Receive Telegraphic Transfer
5. Minimum balance – RM0

https://www.hsbcamanah.com.my/accounts/products/everyday-global/#2

Hong Leong Wallet-i

1. Hold 12 foreign currency
   Singapore Dollar (SGD), New Zealand Dollar (NZD), Hong Kong Dollar (HKD), US Dollar (USD), Australian Dollar (AUD), Saudi Arabian Riyal (SAR), Chinese Renminbi (CNH), Thai Baht (THB), Euro (EUR), Pound Sterling (GBP), Canadian Dollar (CAD), Japanese Yen (JPY)
2. Can convert between MYR to other own Foreign Currency, and vice versa
3. Can convert between Foreign Currency to another Foreign Currency
4. Minimum balance – RM10
5. Debit Card can be used on Samsung Pay (Either Phone and Watch active at a time)
6. Cashback focus if spending on RM – QR pay, Bill Pay

https://www.hlb.com.my/en/personal-banking/deposits/savings-account/hlb-wallet-account.html

RHB Multi Currency Account

1. Interest bearing account
2. Hold 16 foreign currency
   Japanese Yen (JPY), Sterling Pound (GBP), Singapore Dollar (SGD), Australia Dollar (AUD), New Zealand Dollar (NZD), Euro (EUR), US Dollar (USD), Swiss Franc (CHF), Hong Kong Dollar (HKD), Canadian Dollar (CAD), Saudi Riyal (SAR), South Africa Rand (ZAR), Thai Baht (THB), Danish Krone (DKK), Swedish Krona (SEK), Norwegian Krone (NOK)
3. Can convert between MYR to other own Foreign Currency, and vice versa
4. Can convert between Foreign Currency to another Foreign Currency – can only be done at domicile RHB Branch
5. Debit Card can be used on Samsung Pay (Both Phone and Watch)

https://www.rhbgroup.com/personal/deposits/multi-currency-account/overview/index.html

Summary

Found your preferences?

To summarize in table;

	HSBC EGA-i	HLB eWallet-i	RHB MCA
Debit Card Annual/Issuance Fee	Waived	RM8	RM20
Interest on balance	No	No	Yes (min 200USD equivalent)
Foreign Currency Hold	10 (AUD, CAD, EUR, GBP, HKD, JPY, NZD, SAR, SGD, USD)	12 (AUD, CAD, CNH, EUR, GBP, HKD, JPY, NZD, RM, SAR, SGD, THB, USD)	16 (AUD, CAD, CHF, DKK, EUR, GBP, HKD, JPY, NOK, NZD, SAR, SEK, SGD, THB, USD, ZAR)
Convert RM to FC and vice versa	Yes	Yes	Yes
Convert between FC	Yes	Yes	Yes (over-the-counter)
Samsung Pay	No	Yes	Yes
Transaction Fee (sufficient FC)	Nil	Nil	Nil
Transaction Fee (insufficient FC)	1% conversion fee	??	??
Withdrawal fee VISA PLUS / Mastercard Cirrus (sufficient FC)	RM10 (or equivalent FC)	RM12 (or fixed FC) or 2% whichever higher	RM12
Withdrawal fee VISA PLUS / Mastercard Cirrus (insufficient FC)	Above + 1% conversion fee	??	??
Inward TT Fee	?? (assume USD4??)	??	No conversion or fee
Outward TT Fee	?? (assume USD4??)	??	USD10 or equivalent (over-the-counter)