The teller asks what the money is for. You say it is for your mother, or a semester’s fees, or an account you keep in the country you used to live in — and somewhere behind the counter a rule is being applied that nobody ever explained to you. Sending money overseas from Malaysia is not governed by one limit everybody shares. It is governed by two questions, asked in order, and the answer to the first changes what the second means.
Alamak, and the rulebook itself moved recently. The Foreign Exchange Policy Notices now in force came into operation on 1 October 2025 and revoked the set issued on 15 November 2024, so anything written against the old Notices needs rechecking. What follows is the current Notices, their FAQ sets and the industry due diligence guides, read on Bank Negara Malaysia’s own site on 22 September 2026. Where BNM’s summary page and the Notice it summarises disagree, both are printed.
Quick Answer: most people sending money abroad have no ceiling at all. The famous RM1,000,000 figure is not a remittance cap — it is an annual investment ceiling, binding only a resident who has what the Notices call Domestic Ringgit Borrowing, and only where the money goes into something that counts as a foreign currency asset. Paying a non-resident in foreign currency, for any purpose, sits in a different Notice with no number attached. The work is telling the two apart.
- The word that decides your ceiling: borrowing. Not income, not the size of the transfer. One housing loan and one vehicle loan do not count; an overdraft you have never touched does.
- The status that surprises people: residency. It follows nationality and permanent residence, not where you sleep — which puts a large part of Malaysia’s working population on the non-resident side of every table below.
- The question the counter is really asking: purpose. A bank must obtain it for every transaction, and the documents it may then want are published — not by Bank Negara, but by the banks.
Table of Contents
Who you areWhat it's forWhat they askTwo questions, asked in order, decide everything
These rules are not a list of prohibitions but the opposite: a schedule of the two banking Acts puts a long list of foreign exchange dealings off limits, and the Foreign Exchange Policy Notices are Bank Negara Malaysia handing back a standing, advance approval for the parts it is content with. The Preamble says so — the Notices set out “approvals of the Bank for transactions which otherwise are prohibited under section 214(2) read together with Schedule 14 of the FSA and section 225(2) read together with Schedule 14 of the IFSA”.
So the useful question is never “is this banned?” but “does this fall inside one of the approvals?” If it does, you do nothing special. If it does not, you apply: “A person shall obtain a written approval of the Bank to undertake or engage in any transaction listed in Schedule 14 of the FSA or IFSA that is not approved by the Bank under the FEP Notices.”
There are seven Notices plus a Preamble and Interpretation carrying the definitions. For an individual moving money, almost everything lives in Notices 1, 3, 4 and 6, routed by two questions: what are you, and what is this money.
Resident or non-resident: the answer is not your address
Every table in these rules splits by residency, and the definition is not the one most people carry in their heads. It is not tax residence, not days in the country, not where your salary is paid. The Interpretation defines a Resident as, among other things, “a citizen of Malaysia, excluding a citizen who has obtained permanent resident status in a country or a territory outside Malaysia and is residing outside Malaysia”, and “a non-citizen of Malaysia who has obtained permanent resident status in Malaysia and is ordinarily residing in Malaysia”. A Non-Resident is then defined as “any person other than a resident”.
| Who you are | What you are under the FEP Notices |
|---|---|
| A Malaysian citizen living in Malaysia | Resident |
| A Malaysian citizen who has taken permanent residence in another country and lives there | Non-resident — the citizenship limb has that exclusion built in |
| A foreign national who holds Malaysian permanent residence and ordinarily resides here | Resident |
| A foreign national working or studying here on a pass, without Malaysian permanent residence | Non-resident. The due diligence guide lists “an individual who is working or studying in Malaysia including the individual’s spouse, child or parent who is staying in Malaysia” among exempted External Account holders — and an External Account is a non-resident’s ringgit account |
| How a bank decides which of the above you are | “based on – (i) nationality of the individual; and (ii) for an individual with a Permanent Residency status, the determination shall be guided by existing tax ruling in Malaysia” |
| What it may ask to see | “national registration identification, business registration identification, passport, permanent residency documents, work permits” |
A very large number of people who live here, are paid here and send money home every month are non-residents for these rules — often the easier side of the table. A non-resident may make or receive ringgit payments in Malaysia for “any purpose between Immediate Family Members” and for “income earned or expense incurred in Malaysia”, and may take money out again, provided it leaves in foreign currency.
An Immediate Family Member, a term that appears everywhere below, is “a legal spouse, parent, legitimate child (including legally adopted) or legitimate sibling of an Individual”. Four relationships, no more — a cousin, an in-law, a fiancée and a lifelong friend are all outside it.
Payment or investment: the fork nobody points out
Here is the sentence most articles quote, from Notice 4 paragraph 5: “A Resident is allowed to make or receive payment in Foreign Currency, to or from a Non-Resident for any purpose”. But the paragraph carries a footnote, and the footnote is seven words long: “Subject to compliance with other FEP Notices.”
Notice 4 governs paying; Notice 3 governs investing. If this is a payment — fees, support, a bill, the price of something — Notice 4 is the end of the story and there is no figure anywhere in it. If you are putting money somewhere and expecting it to still be yours afterwards, you have walked into Notice 3, and Notice 3 has a figure.
The Interpretation draws the same line differently. A Current Account Transaction is “trade of goods or services” or “primary income or secondary income”, and “includes fee, commission, royalty or income, wage, salary, dividend, profit and interest”. A Financial Account Transaction is “any transaction other than a Current Account Transaction, and includes Borrowing and investment-related transactions”. Fees and support are the first kind; deposits, loans and stakes the second.
Four things that feel like sending money are treated as investment. Money paid into an account you keep outside Malaysia: the Interpretation puts “deposit in a Foreign Currency Account maintained outside Malaysia” inside Foreign Currency Asset Offshore, with one carve-out we come back to. Money lent to someone abroad: the due diligence guide counts “extension of foreign currency loan / advance (lending) to a non-resident” as investment. Digital assets moved off a registered Malaysian exchange to an offshore wallet: that transfer “is subject to the applicable investment in FC asset limit”. And property abroad, which gets its own row further down.
Two smaller points. Between two residents, foreign currency payment is not free at all: Notice 4 paragraph 4 gives a closed list — family, “education, employment or migration outside Malaysia”, dealings with a licensed onshore bank or takaful operator, and a handful of settlements including a miscellaneous expense “of reasonable amount and infrequent in nature” — and BNM’s FAQ finishes it: “Approval is required for payment between residents in FC for purposes other than the above.” And shifting your own foreign currency between your own accounts is no way around this: Notice 4 paragraph 15 opens “Subject to Part A of Notice 3”.
Domestic ringgit borrowing, and the two loans that do not count
One phrase decides whether investment-shaped money has a ceiling or none at all. Domestic Ringgit Borrowing is defined in the Interpretation as any borrowing in ringgit obtained by a resident from another resident; the FAQ puts the household part in one sentence: “Domestic ringgit borrowing refers to any borrowing in ringgit obtained by a resident from another resident excluding one (1) housing loan and one (1) vehicle loan.”
The ordinary Malaysian balance sheet — a house, a car, credit cards used for shopping — sits outside the definition entirely. The cards are carved out by the Interpretation, which excludes from Borrowing “a credit card or charge card facility obtained by an Individual from a Resident and used for payment for retail goods or services only”. A second property loan or car loan changes that: asked whether more than one makes someone a borrower for this purpose, BNM’s answer is one word, “Yes”.
The line that catches the most people is not in the Notices or the FAQ at all, but in the guide the banks work from: “Definition of DRB includes unutilised ringgit credit facility such as unutilised share margin facility, overdraft facility, revolving credit facility, as well as credit facility obtained from employer such as staff loan.” A facility you arranged years ago, never drew a sen from and have probably forgotten is still, on this reading, domestic ringgit borrowing — and so is a staff loan.
Every ringgit facility in your name, drawn or not, is listed in your own credit report — see CTOS vs CCRIS 2026: How to Check Your Score & Fix It. It is the “responsibility of the clients to update LOB on any changes to their DRB status since their last declaration” — settle a facility and you may have moved sides.
The RM1,000,000 ceiling, and how the year is counted
Notice 3 Part A decides the entire question for an individual. Without domestic ringgit borrowing: “A Resident Individual, sole proprietorship or General Partnership without Domestic Ringgit Borrowing is allowed to invest in Foreign Currency Asset up to any amount.” No cap, no notification, nothing. With it, the Notice gives three limbs, only the last carrying a number.
| Who you are, and where the money comes from | Ceiling per calendar year |
|---|---|
| Resident individual with no domestic ringgit borrowing | None. “up to any amount” |
| Resident individual with domestic ringgit borrowing, using money from converting ringgit, from a Trade FCA, or from swapping a ringgit financial asset for one in Labuan or abroad | RM1,000,000 equivalent, in aggregate — “RM1 million equivalent per calendar year using funds sourced from the aggregate of” those three |
| The same person, using foreign currency funds already sourced from outside Malaysia, other than proceeds of export of goods, or from an approved foreign currency borrowing | None. Money that never had to be converted is not counted |
| The same person, buying real estate outside Malaysia for education, employment or migration, for their own or an immediate family member’s accommodation only | None. This limb is expressly “any amount” |
| A joint foreign currency account with a non-resident, where one holder is a resident with domestic ringgit borrowing | RM2,000,000 a year in ringgit conversion for the account — the per-person limit applies to each holder, and BNM works that arithmetic through in its own FAQ |
| A resident company with domestic ringgit borrowing, counted across the group | RM50,000,000 equivalent — printed only so nobody mistakes the corporate figure for a personal one |
Three details about the counting. It is per calendar year, not twelve months from when you started, so the meter resets on 1 January. It is aggregate — “the aggregate amount of investment in FC asset onshore and offshore per calendar year” — so a foreign currency fixed deposit here and a brokerage account funded abroad share one allowance. It counts the source of the funds, not the destination.
Notice 3 paragraph 2(c) lists three funding sources that count towards the ceiling: conversion of ringgit, a Trade FCA, and the swap of a ringgit financial asset for one abroad. BNM’s own summary page for the same rule lists two, describing the limit as applying to amounts “sourced from conversion of ringgit and Trade FCA”, with the swap dropped. The Notice is the instrument; the three-limb version is printed above.
The accommodation footnote on property abroad, the most valuable exemption on the table, is narrow — own use or immediate family — and BNM, asked the obvious question, said no: “a resident individual can only purchase the property abroad for their own account or immediate family members”, not for a close friend going to study or migrate. A plan is not enough either: the bank wants “documentary evidence of committed education plan”. Buying inside Malaysia is a different exercise, set out in Buying a House in Malaysia 2026: Process, Fees, Timeline.
What the bank asks for, and where that list comes from
The industry guide opens with it: “In facilitating every transaction, a licensed onshore bank (LOB) shall obtain the purpose of the transaction from the clients in line with External Sector Statistics (ESS) reporting guideline.” What varies is whether they also ask you to prove it, and that is left to each bank — documents “may be obtained either pre- or post-transaction and on transactional or selective basis”, with new clients treated more prudently.
The Minimum Due Diligence guides sit on BNM’s foreign exchange microsite — which is why two banks can behave differently and both be correct, but the page says the guide “was developed by the industry to outline the standard practices to be adopted by a licensed onshore bank”. It is a floor, not a ceiling: a bank shall adopt processes “at least at par” with it and may go further. The current set is stamped 1 November 2025.
| Purpose you declare | Documents the industry guide lists, described as non-exhaustive |
|---|---|
| Between immediate family — and the guide adds “parents, spouse, children and siblings only” | Marriage certificate, birth certificate, identity cards, passports |
| Education overseas | Letter of offer from the overseas school, college or university, a valid student card, pass or ID, invoices for tuition or accommodation, and a letter indicating estimated fees or living expenses for an academic year |
| Employment overseas | Letter of offer from the employer, a letter from the employer confirming identity and employment status, work permit, payslip |
| Loan repayment | Letter of offer or loan agreement, loan repayment schedule, promissory note |
| Goods and services | Invoice, bill of lading, purchase order, delivery order, supply contract, service, tenancy or rental agreement, payment advice |
When a resident moves foreign currency to their own account, the sending bank tags the message with a code for the client’s borrowing status — DRB-TFCA, DRB-FCB/F or NDRB, the last meaning no domestic ringgit borrowing — and where it is missing the receiving bank may query it and “may reject the transfer if the Paying Bank fails to respond” within five working days. There is also a threshold, often misquoted: verification is exempted for “payments, receipt or transfers up to RM10,000 per transaction”, and that exemption sits in the section on ringgit payments involving an External Account. It is a bank-side easing for small ringgit movements touching a non-resident’s account — not an amount above which you must declare a transfer. There is no such amount in these Notices.
If the bank is not satisfied, it does not have to be persuaded: “A LOB may reject any transaction by a client if there is reasonable doubt of its compliance with FEP rules.”
Six ordinary reasons to send money, and where each one lands
The rules are general; the reasons people have are not. Six common ones, routed to the paragraph that governs them.
| What you are doing | Which rule it lands on |
|---|---|
| Paying a school, university or landlord abroad | A payment in foreign currency to a non-resident, allowed “for any purpose” under Notice 4 paragraph 5. No ceiling |
| Monthly support to a parent, spouse, child or sibling living abroad | Also a payment under Notice 4 paragraph 5, with the family limb available wherever the relationship must be relied on — but only those four relationships |
| Topping up an account you keep in another country | Notice 3. A deposit in a foreign currency account maintained outside Malaysia is a foreign currency asset offshore, except for a “reasonable amount of deposit for education, employment or migration outside Malaysia” |
| Lending money to a relative or friend overseas | Notice 3, not Notice 4. The due diligence guide counts “extension of foreign currency loan / advance (lending) to a non-resident” as investment in a foreign currency asset |
| Buying a home abroad to live in while studying, working or migrating | Outside the ceiling under Notice 3 paragraph 2(b), but only for your own or an immediate family member’s accommodation |
| Moving digital assets off a registered Malaysian exchange to your own offshore wallet — “subject to the applicable investment in FC asset limit” | Buying on a registered Malaysian exchange and settling in ringgit carries no limit; the transfer out is a different thing |
Fees and support leave and are gone; deposits and loans leave and are still yours — that is the distinction between the first two rows and the next two.
Money coming the other way
Inward money is the easier half. Notice 4 paragraph 5 runs both ways — a resident may “make or receive” payment in foreign currency to or from a non-resident for any purpose — so a foreign salary, a client’s invoice, a sale or a gift from abroad all arrive with no foreign exchange question attached.
Two wrinkles. The first is for Malaysians abroad sending home: where foreign currency remitted by a resident individual living outside Malaysia to a resident individual living here is “converted into ringgit upon receipt, such payment is deemed as a payment in ringgit between residents”, which sidesteps the closed list that would otherwise apply between residents. The second is for non-residents taking money out: permitted, including income earned here and the proceeds of selling a ringgit asset, but Notice 4 Part E attaches a condition — “the repatriation is made in Foreign Currency”. Ringgit banknotes are not how this repatriation happens — the conversion for it goes through the channels in Notice 1.
Whether money arriving from abroad is taxable is a separate question for LHDN, set out in its own Navigasi Hasil 2026, with filing mechanics in our guide to e-Filing Malaysia 2026: Deadlines, Steps & Penalties.
Carrying it out yourself: the USD10,000 line
Physical notes in a bag are governed by Notice 6, which points at a gazette notice issued on 7 November 2013 and effective on 2 December 2013. The readable statement is on BNM’s own Carrying Physical Notes page, and it splits the two currencies: “No restriction for resident and non-resident to carry in and out foreign currency notes up to any amount and ringgit notes up to USD10,000 equivalent.”
Then the declaration, which applies to both: “currency declaration to carry physical notes of both currencies more than USD10,000 equivalent is required”. So foreign currency notes have no carrying limit but do have a declaration threshold, ringgit notes have both, and both thresholds are the same number. BNM stops there and sends readers to the Royal Malaysian Customs Department for the declaration itself, which is where this article stops too — remembering the Preamble’s own warning that complying with these Notices “shall not relieve or absolve any person from complying with other laws”.
Who is allowed to move it, and how to check them
Two licensed populations may move your money across the border. BNM’s FAQ is a flat no to everything else: “A resident may only buy or sell FC with licensed onshore banks and licensed money changers”, excluding international Islamic banks. For remittance itself, Notice 4 Part D restricts the business to “a person who is licensed under the MSBA to carry out remittance business or its money services business agent”, or an approved remittance system serving one.
| Licence class | What that licensee may do |
|---|---|
| Class A | Money-changing business and remittance business only |
| Class B | Remittance business only |
| Class C | Money-changing business only |
| Class D | Wholesale currency business only |
This article names no operator on purpose. At the counter, an authorised operator “must display a copy of the following at its premises” — the BNM licence, or a certificate of appointment as an agent issued by a principal licensee, and the membership logo of the Malaysian Association of Money Services Business. Online, BNM publishes the directory of licensees and approved agents and says it “will be updated periodically”; search the money services business licensee list yourself. Only a company may hold a licence, since “any application from an individual, sole proprietorship or partnership will not be considered”. BNM takes reports on illegal operators through its contact centre.
Approval, breaches, and where to ask
If what you want falls outside the standing approvals, you apply, online: “Application for FEP approvals, notification and enquiries can be submitted online through this website”, with the portal open 7.00 am to 9.00 pm Sunday to Friday and 9.00 am to 9.00 pm on Saturday. Someone else may file for you, but not casually — a third-party submitter needs a prior appointment through your own registered account plus “a duly signed authorisation/appointment letter”. The forms are named on the investment page: IA-RE, IA-LNR and IA-EQ.
One published figure exists on timing, narrower than people want it to be: discussing an individual who needs to exceed the annual limit because of a margin call, BNM writes that “any such application will typically take up to 14 business days from the date of full information received”. The clock starts when BNM has everything, not when you press submit.
Breaches are handled through your bank first. On detecting one, the bank is to gather information, contact BNM where there is doubt, “report the breach to BNM within a reasonable timeframe”, notify you, and “advise the client to submit an application with a self-declared non-compliance” if you intend to go ahead. Behind all of it sits the Preamble: a person who undertakes a Schedule 14 transaction without written approval, or fails to comply with a condition or direction, “commits an offence under section 214(9) of the FSA and section 225(9) of the IFSA”. The penalties live in those Acts, not in the Notices, and are not reproduced here.
Policy questions go through the FEP online enquiry form, approvals through the FEP Portal, portal faults to the technical helpline on +603-2784 9969, +603-2784 8536 or +603-2784 9494, and “for complaints or issues unrelated to Foreign Exchange Policy” to BNM’s consumer enquiries and complaints channel. To speak to someone, BNMLINK answers on 1-300-88-5465 from Monday to Friday, 9am to 5pm; the general line is +603-2784-8888.
Walaoeh Verdict
RM1,000,000 is quoted as though it were a wall across the border. It is an annual investment allowance that many people are not subject to at all. If you have one home loan, one car loan and credit cards, and you are sending money to family or paying a school, there is no ceiling in your way and never was.
Where the rules genuinely bite is quieter: the unutilised facility you forgot about, which moves you across a line without you doing anything; the account in your own name overseas, an investment rather than a transfer; the loan to a cousin, also an investment, and the word cousin sits outside the four relationships the Notices recognise. None of that is about the size of the money.
So the order is: work out your residency, decide whether the money is a payment or an investment, and only then ask whether a ceiling applies. Declare the purpose honestly, since the bank has to ask and may refuse on doubt alone, and keep the paperwork its guide lists for whichever purpose you named. Before anything large or unusual, read the current Notice rather than a summary of it — including BNM’s own, which drops a limb from Notice 3. The rules changed on 1 October 2025.
Frequently Asked Questions
Is there a limit on how much money I can send overseas from Malaysia?
Not for payments: Notice 4 paragraph 5 allows a resident to make or receive payment in foreign currency to or from a non-resident for any purpose, with no figure anywhere in it. The RM1,000,000 equivalent per calendar year that people quote comes from Notice 3, on investment in foreign currency assets. It binds only a resident with domestic ringgit borrowing, and only where the money comes from converting ringgit, a Trade FCA, or swapping a ringgit financial asset for one abroad. A resident without domestic ringgit borrowing may invest “up to any amount”.
Do my home loan and car loan mean I have domestic ringgit borrowing?
Not on their own. BNM’s FAQ defines domestic ringgit borrowing as “any borrowing in ringgit obtained by a resident from another resident excluding one (1) housing loan and one (1) vehicle loan”, and the Interpretation separately excludes a retail credit or charge card. A second housing or vehicle loan does put you inside it — BNM answers that with a plain “Yes”. The one that catches people sits in the industry due diligence guide: the definition “includes unutilised ringgit credit facility such as unutilised share margin facility, overdraft facility, revolving credit facility, as well as credit facility obtained from employer such as staff loan”. A facility you have never drawn on still counts.
I work in Malaysia on a work permit. Which side of these rules am I on?
Non-resident, on the face of the definitions. Resident status reaches Malaysian citizens, and non-citizens who hold Malaysian permanent residence and are ordinarily residing here; everyone else falls under “any person other than a resident”. The due diligence guide points the same way twice: a bank determines residency “based on nationality of the individual”, and its list of exempted External Account holders includes “an individual who is working or studying in Malaysia including the individual’s spouse, child or parent who is staying in Malaysia” — an External Account being a non-resident’s ringgit account.
Is putting money into my own bank account abroad treated as sending money?
It is treated as investing, which is a different Notice. The Interpretation defines foreign currency asset offshore to include an asset “outside Malaysia including but not limited to deposit in a Foreign Currency Account maintained outside Malaysia”, with one carve-out: it “shall not include reasonable amount of deposit for education, employment or migration outside Malaysia”. So for someone with domestic ringgit borrowing, topping up an overseas account counts against the annual ceiling unless it falls inside that carve-out.
How much cash can I carry out of Malaysia without declaring it?
BNM’s Carrying Physical Notes page sets two rules with the same number: “no restriction for resident and non-resident to carry in and out foreign currency notes up to any amount and ringgit notes up to USD10,000 equivalent”, and separately, “currency declaration to carry physical notes of both currencies more than USD10,000 equivalent is required”. Foreign currency notes therefore have no carrying limit but do have a declaration threshold; ringgit notes have both. BNM directs readers to the Royal Malaysian Customs Department for the declaration. This has nothing to do with electronic transfers, and the RM10,000 in the banks’ due diligence guide is something else again — a verification exemption for ringgit payments involving a non-resident’s External Account.
Sources
Every figure and quotation above comes from one of these, all read on 22 September 2026.
- Bank Negara Malaysia — FEP Notices, Preamble and Interpretation: the 1 October 2025 commencement, the revocation of the 15 November 2024 notices, the offence provision, and the definitions of Resident, Non-Resident, Immediate Family Member, Borrowing, Domestic Ringgit Borrowing and Foreign Currency Asset Offshore.
- Bank Negara Malaysia — Notice 3: Investment in Foreign Currency Asset, Part A paragraphs 1 and 2 and Part B paragraph 4, and Notice 4: Payment and Receipt, Parts B, C, D, E and F.
- Bank Negara Malaysia — Notice 1: Dealings in Currency, Gold and Other Precious Metals and Notice 6: Import and Export of Currency. The full set, including the consolidated file labelled 2 October 2025, is on the FEP Notices page.
- Bank Negara Malaysia — FAQ on Investment in Foreign Currency Asset, stamped 2 January 2026; FAQ on Buying and Selling of FX by Resident, 3 September 2025; FAQ on Payment in Foreign Currency by Residents, 1 June 2022; and FAQ on Payment in Ringgit by Non-Resident, July 2019.
- Minimum Due Diligence guides on BNM’s FEP resources page, updated 1 November 2025 — the guide for Notice 4 (Appendix A, residency, threshold and breach paragraphs) and the guide for Notice 3 (the unutilised facility sentence).
- BNM’s FEP microsite — Carrying Physical Notes, Investing in Foreign Currency Assets, Buying and Selling of FX, Payment in Ringgit by Non-Resident and Application and Enquiries.
- Bank Negara Malaysia — About Money Services Business, the money services section of BNM’s FAQ page for the licence classes, the MSB licensee directory, and Contact Us for the BNMLINK number.
- Lembaga Hasil Dalam Negeri Malaysia — Navigasi Hasil 2026, cited for one sentence only. Nothing else here comes from a tax source.
About this guide. Written by an independent Malaysian and re-checked against official sources on a schedule — here, the Foreign Exchange Policy Notices in operation since 1 October 2025, Bank Negara Malaysia’s own FAQ sets and foreign exchange policy pages, and the industry Minimum Due Diligence guides published on that microsite. It sets out what the rules say; it is not legal, tax or financial advice, and whether a particular transfer of yours complies is a question for your bank or for Bank Negara Malaysia, not for an article. These rules change, and recently: the current Notices revoked a set that was less than eleven months old. No remittance provider, bank or exchange rate is named or recommended anywhere above, by design. Before anything large or unusual, read the current Notice on BNM’s FEP Notices index rather than a summary of it, or call BNMLINK on 1-300-88-5465, Monday to Friday, 9am to 5pm.