It's better to change money in Malaysia, just change RMB into Malaysian ringgit, and changing US dollars into Malaysian ringgit may cause exchange rate losses. If you can pass through Kuala Lumpur, the best exchange place is the exchange shop in the shopping mall, such as the Twin Towers and mid valley, where the exchange rate is fair. According to the international exchange rate, basically 100 RMB will only lose a few dollars. You should be able to find an exchange shop near the hotel in Sabah. Generally, airport exchange is not cost-effective. In addition, if there seems to be no handling fee for swiping a credit card, you can call the bank before you come.

Then bring a credit card or bank card. There are some ATMs in maybank and Volkswagen Bank that support UnionPay, and they can directly withdraw Malaysian ringgit (ps 1 RMB cannot be withdrawn abroad, but you can exchange Malaysian ringgit for RMB, which will cause some exchange rate losses. 2 exchange rate depends on the bank. Personally, I feel that the business line is higher, not much. As far as Kuala Lumpur is concerned, not all ATMs of these two banks can support UnionPay. It seems that most ATMs of HSBC can support UnionPay.

Some shops can use UnionPay cards, but not many.