Any of the following:
- bill of exchange
- cheque
- promissory note
- bearer bond
- traveller’s cheque
- money order, postal order or similar order
- negotiable instrument not covered by one of the types above.
BNIs often include the instruction 'pay to the bearer'. The bearer is the person in physical possession of the BNI.
See
AML/CTF Act 2006 Section 17