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8
Carry RM100–150 cash for night market small stalls — many skewer vendors cash only. Larger Jonker 88 takes card sometimes. 7-Eleven and malls Touch 'n Go / card. ATM Maybank near Dutch Square. Singapore visitors withdraw once — cross-border fees apply. River cruise and museums often card OK. Mix: cash market, card hotels.
3
SGD sometimes accepted bad rate — ringgit better.