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Cambodia Deposit Guarantee Corporation (CDGC) 2026: The CDGC protects bank deposits at all NBC-licensed commercial banks in Cambodia up to approximately $7,500 USD per depositor per institution. If a licensed bank fails, depositors receive up to this amount. Both USD and KHR accounts are covered. Deposits above the threshold per bank are not protected. MoneyKH recommends spreading balances above $15,000 across at least two NBC-licensed banks to maximise CDGC coverage. All major banks — ABA Bank, ACLEDA Bank, Canadia Bank, Wing Bank, and others — are covered. Cryptocurrency holdings, MFI deposits above NBC licensing thresholds, and informal lenders are not covered.
🇰🇭 Cambodia Deposit Guarantee Corporation · CDGC · Deposit Protection · NBC · 2026
Cambodia CDGC 2026 — How Much Does Cambodia Protect Your Bank Deposits?
The CDGC is Cambodia’s equivalent of the FDIC (USA) or FSCS (UK) — but with a significantly lower coverage limit. Understanding it determines how you should structure your bank accounts in Cambodia.
✅ Covers: All NBC-licensed commercial banks
⚠️ Does NOT cover: MFIs above threshold, crypto, informal lenders
💡 Strategy: Two banks = up to $15,000 covered
~$7,500
CDGC coverage per depositor per NBC-licensed bank
$250,000
FDIC coverage per depositor per bank in the USA — for comparison
50+
NBC-licensed commercial banks covered by CDGC in Cambodia
$15,000
Maximum CDGC coverage using two different NBC-licensed banks
What Is the Cambodia Deposit Guarantee Corporation (CDGC)?
The Cambodia Deposit Guarantee Corporation (CDGC) is the Cambodian government’s deposit protection scheme, operating under the oversight of the National Bank of Cambodia (NBC). Its purpose is to protect depositors in the event of a licensed bank failure — functioning similarly to the FDIC in the United States, the FSCS in the United Kingdom, or the PIDM in Malaysia.
The CDGC was established to build public confidence in Cambodia’s banking system. By guaranteeing a portion of deposits, it encourages Cambodians to keep savings in licensed institutions rather than informal alternatives.
MoneyKH Key Point
The CDGC coverage limit of approximately $7,500 is significantly lower than equivalent schemes in developed markets. For this reason, MoneyKH recommends that anyone holding more than $15,000 in Cambodian banks should spread those funds across at least two separate NBC-licensed institutions.
How Much Does CDGC Cover?
The CDGC covers approximately $7,500 USD per depositor per NBC-licensed bank. This means:
| Scenario | Total Deposit | CDGC Protected | Unprotected |
|---|---|---|---|
| $5,000 at ABA Bank only | $5,000 | $5,000 ✅ | $0 |
| $15,000 at ABA Bank only | $15,000 | $7,500 ✅ | $7,500 ❌ |
| $15,000 split: $7,500 ABA + $7,500 Canadia | $15,000 | $15,000 ✅ | $0 |
| $50,000 at one bank | $50,000 | $7,500 ✅ | $42,500 ❌ |
Which Banks Are Covered by CDGC?
All NBC-licensed commercial banks in Cambodia are covered by CDGC. This includes:
- ABA Bank — National Bank of Canada subsidiary, Cambodia’s largest private bank by retail customers
- ACLEDA Bank — CSX-listed, Cambodia’s largest bank by branch count
- Canadia Bank — Cambodia’s oldest private commercial bank
- Wing Bank — formerly Wing Money, now a full commercial bank
- Maybank Cambodia — Malaysian parent, ASEAN network
- All other NBC-licensed commercial banks
What Is NOT Covered by CDGC?
❌ NOT Covered
- Amounts above ~$7,500 per bank
- Cryptocurrency holdings of any type
- Deposits at unlicensed or informal lenders
- Investment products (unit trusts, bonds)
- MFI deposits where the MFI is not a full commercial bank
✅ IS Covered
- USD savings accounts up to ~$7,500
- KHR savings accounts up to equivalent
- Fixed deposits up to ~$7,500
- Current accounts up to ~$7,500
- All account types at NBC-licensed banks
MoneyKH CDGC Strategy — How to Maximise Protection
The optimal approach for anyone with significant savings in Cambodia:
- Open at least two NBC-licensed bank accounts. ABA Bank (primary, daily banking) + Canadia Bank (fixed deposits) is MoneyKH’s recommended combination.
- Keep each bank balance below $7,500 wherever possible. Amounts above this threshold are not protected.
- For amounts above $30,000: use three or more banks, and consider diversifying partly outside Cambodia.
- Do not hold large balances in informal lenders — they have no CDGC coverage whatsoever.
The Recommended Two-Bank Setup
Primary: ABA Bank — daily operations, SWIFT receipts, ABA Pay, zero fees. Covers up to $7,500.
Secondary: Canadia Bank — 60-month USD fixed deposit at 3.75% p.a. Covers an additional $7,500.
Combined CDGC coverage: $15,000. Monthly fee: $0.
FAQ — Cambodia CDGC 2026
What happens if my Cambodian bank fails?
The CDGC would pay out up to approximately $7,500 per depositor from the failed bank. The payout process is managed by the CDGC under NBC supervision. No major NBC-licensed commercial bank has failed in Cambodia, but CDGC protection exists as a backstop. For amounts above the threshold, depositors become creditors of the failed institution.
Does CDGC cover joint accounts?
CDGC coverage applies per depositor per bank. For joint accounts, confirm with your specific bank how the coverage is applied — whether the limit is per account or per individual depositor. Contact your bank directly for the current interpretation as this can vary.
Is MFI coverage different from bank coverage?
Yes. MFIs (Microfinance Institutions) that have been licensed as full commercial banks (such as Hattha Bank, formerly Hattha Kaksekar) are covered by CDGC. MFIs that remain licensed as MFIs rather than commercial banks may have different coverage arrangements. Verify your institution’s NBC licence type before depositing significant amounts.
MoneyKH Summary — CDGC 2026
~$7,500 per bank · Two banks = $15,000 protected · ABA + Canadia = optimal setup
MoneyKH Research Team · June 2026 · Disclaimer →
The MoneyKH Research Team comprises independent financial researchers, market analysts, and editorial professionals with direct on-ground knowledge of Cambodia’s banking, fintech, and financial services sector. All rates, fees, and product data published on MoneyKH are verified directly with each institution before publication. MoneyKH operates as an editorially independent platform with no affiliate partnerships — see our editorial policy for full disclosure.
