How to Open a Bank Account in Cambodia
Opening a bank account in Cambodia is surprisingly easy for foreigners — most banks welcome expats with just a passport and a small deposit.
How do I Open a Bank Account in Cambodia?
ABA Bank is the most expat-friendly (best app, English support). Bring your passport + visa + $50 minimum deposit. Process takes 30 minutes to same day. No proof of address required at most banks.
Choose your bank
ABA Bank: best mobile app, most ATMs. ACLEDA: largest network. Canadia Bank: good for business. All accept foreigners.
Visit a branch with documents
Passport, valid Cambodia visa (tourist OK at some banks, business visa preferred), and a minimum deposit ($50–$100).
💡 ABA's BKK branch in Phnom Penh has the most experienced English-speaking staff.
Fill out the application
Basic personal information form. Some banks may ask for a local phone number and reference.
Receive your card and set up mobile banking
Debit card issued same day or within 3 days. Download the bank's mobile app for instant transfers and payments.
💰 Costs
| Minimum deposit | $50–$100 |
| Monthly maintenance fee | Free–$2 |
| ATM withdrawal (own bank) | Free |
| ATM withdrawal (other bank) | $1–$2 |
| International transfer | $10–$25 |
💡 Tips
- • ABA Bank's mobile app is excellent — one of the best in Southeast Asia.
- • USD accounts are standard — no need for a riel account unless for specific purposes.
- • Interest rates on USD savings are higher than Western banks (2–4%).
- • KHQR is Cambodia's universal QR payment system — works across all banks.
FAQ
Frequently Asked Questions
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