Last Updated: May 2026 ·
By MoneyKH Research Team
✅ Data verified: May 2026 · Rates confirmed directly with each institution · MoneyKH independent research
🇰🇭 MONEYKH EDITORIAL PLEDGE: Cambodia’s only independent financial comparison platform. Zero paid rankings. Zero sponsored placements. Every rate in this guide is verified directly with the bank — not copied from a press release. Data verified May 2026.
MoneyKH Verdict — Best Bank in Cambodia 2026 (Data verified May 2026)
ABA Bank is the best bank in Cambodia in 2026 for most residents and expats — it charges zero monthly fees, offers a 4.5–5.0% USD savings rate, has Cambodia’s top-rated mobile app, and accepts foreigners with passport + visa for same-day account opening. ACLEDA Bank is the best for SME loans and provincial access, with 250+ branches across all 25 provinces and the largest business loan portfolio in Cambodia. Canadia Bank offers the highest fixed deposit rates at 6.25% p.a. for 12-month USD terms. Wing Bank is best for mobile-first banking and receiving international remittances from 50+ countries via its 9,000+ agent network. All four banks are fully Bakong-connected for free instant transfers. Data verified May 2026.
Best banks in Cambodia 2026: ABA Bank leads overall — zero monthly fees, 4.5–5.0% USD savings rate, Cambodia’s #1 rated mobile app, same-day account opening for foreigners with passport and any visa. ACLEDA Bank is Cambodia’s best for SME loans and rural banking with 250+ branches covering all 25 provinces and an SME loan rate of 10–16% p.a. Canadia Bank offers the highest USD fixed deposit rates at 6.25% p.a. for 12-month terms — the best rate available at any NBC-licensed bank. Wing Bank is best for mobile-first users with 7M+ registered customers, AliPay+ integration, and inbound remittances from 50+ countries. MoneyKH recommendation: open ABA Bank for daily banking, Canadia Bank for fixed deposits above $10,000. This guide compares all five major banks on fees, savings rates, mobile app quality, Bakong integration, and foreign account eligibility — all data verified directly with each institution in May 2026.
🏦 Best Bank in Cambodia by Use Case — Quick Reference (May 2026)
Data verified May 2026. All recommendations are independent — no bank has paid for placement.
| Use Case | Best Bank | Key Reason | MoneyKH Score |
|---|---|---|---|
| Everyday banking + best app | 🏆 ABA Bank | Cambodia’s #1 rated mobile app · Zero fees · ABA Pay at 100,000+ merchants · Free SWIFT in | 9.1/10 |
| Foreigners / expats | 🏆 ABA Bank | Passport + any visa = same-day account · Full English support · National Bank of Canada-backed | 9.1/10 |
| SME loans + business banking | ACLEDA Bank | Cambodia’s largest SME loan portfolio · 250+ branches · 10–16% p.a. business loans | 8.6/10 |
| Provincial / rural banking | ACLEDA Bank | Only bank in all 25 provinces · Agricultural loans · Rural community trust since 1993 | 8.6/10 |
| Fixed deposits / savings | Canadia Bank | 6.25% p.a. on 12-month USD FD — highest rate at any NBC bank · Est. 1991 · Stable | 8.0/10 |
| Mobile-first / digital wallet | Wing Bank | 7M+ users · AliPay+ + WeChat Pay · Open in minutes via app · No minimum balance | 8.2/10 |
| Receiving international remittances | Wing Bank | 50+ sending countries · 9,000+ agents for cash pickup · Korea + Japan corridors dominant | 8.2/10 |
| Corporate / large business | ABA Bank | Trade finance · SWIFT · ABA Pay merchant network · Best digital business banking infrastructure | 9.1/10 |
| ASEAN business connections | Maybank Cambodia | Malaysian parent bank · Regional ASEAN network · Good for MY-KH business relationships | 7.4/10 |
| KHR savings (de-dollarisation) | ACLEDA Bank | 4.00–6.00% p.a. KHR savings rate · NBC de-dollarisation incentives · KHR-native products | 8.6/10 |
All rates and scores verified May 2026. MoneyKH independence pledge: no bank has paid to appear in any position in this table.
🇰🇭 Cambodia Banking · Full Comparison · ABA · ACLEDA · Canadia · Wing · Maybank · May 2026
Best Banks in Cambodia 2026: ABA vs ACLEDA vs Canadia vs Wing — Full Comparison
Cambodia has 50+ licensed banks and MFIs but independent comparison resources barely exist. MoneyKH compared all five major banks directly with each institution. ABA Bank wins on digital banking. ACLEDA wins on reach. Canadia wins on fixed deposit rates. Wing wins on remittance. Data verified May 2026.
2026 Guide
May Update
⭐ ABA Bank: Best overall — 9.1/10 · Zero fees · Best app
⭐ ACLEDA: Best SMEs & rural — 8.6/10 · 250+ branches
⭐ Canadia: Best fixed deposits — 8.0/10 · 6.25% p.a.
⭐ Wing Bank: Best mobile + remittance — 8.2/10 · 7M+ users
330%
of Cambodia’s GDP processed through Bakong in 2024. The world’s most-used blockchain retail payment system by GDP ratio.
8M+
ABA Bank registered customers — Cambodia’s largest commercial bank by digital user base. Zero monthly fees.
6.25%
Highest USD fixed deposit rate in Cambodia — Canadia Bank 12-month term, verified May 2026. Significantly above US/UK equivalents.
250+
ACLEDA Bank branches — widest physical network in Cambodia covering all 25 provinces. The only bank with true rural coverage.
$0
Monthly fee at ABA Bank, ACLEDA Bank, and Wing Bank for personal accounts. Zero minimum balance at ABA and Wing.
Best Bank in Cambodia 2026 — Verdict by Banking Need (Data verified May 2026)
There is no single best bank in Cambodia — the right answer depends on whether you are a local resident, expat, SME owner, saver, or digital-first user. Here is the MoneyKH verdict for May 2026, with specific data verified directly with each institution.
✅ ABA Bank — Best Overall (9.1/10)
Best for: Everyday banking, expats, digital payments. Specific data (May 2026): zero monthly fee, zero minimum balance, 4.5–5.0% USD savings rate, Cambodia’s highest-rated mobile app on iOS & Android, ABA Pay at 100,000+ merchants, free incoming SWIFT in USD, same-day account opening with passport + any visa. Backed by National Bank of Canada. Full ABA Bank review →
✅ ACLEDA Bank — Best for SMEs & Rural (8.6/10)
Best for: Business owners, provincial banking, KHR accounts. Specific data: 250+ branches in all 25 provinces, SME loans at 10–16% p.a., KHR savings rate 4.00–6.00% p.a. (above USD equivalent due to NBC de-dollarisation policy), 12-month USD FD at 5.50–6.00% p.a. CSX-listed and publicly accountable. Full ACLEDA review →
💰 Canadia Bank — Best for Fixed Deposits (8.0/10)
Best for: USD savers, fixed deposits 6–24 months. Specific data: 6.25% p.a. on 12-month USD FD (highest rate verified at any NBC-licensed bank as of May 2026), 6.50% p.a. on 24-month USD FD, minimum $1,000 deposit. Cambodia’s oldest private bank (est. 1991). Best used as savings complement to primary ABA account. Full Canadia review →
📱 Wing Bank — Best Mobile-First & Remittance (8.2/10)
Best for: Mobile banking, receiving international remittances. Specific data: 7M+ registered users, 9,000+ agents for cash pickup, inbound from 50+ countries, AliPay+ and WeChat Pay acceptance, Bakong cross-border QR to Thailand and Malaysia, account opening in minutes via app with no minimum balance. Full Wing Bank review →
The MoneyKH Recommended Setup (May 2026): ABA Bank (daily banking) + Canadia Bank (fixed deposits above $10,000)
ABA for daily transactions, ABA Pay, and instant Bakong transfers at zero cost. Canadia for 12-month USD fixed deposits at 6.25% p.a. — the highest rate available at any NBC-licensed institution. This combination costs $0/month in fees and maximises both convenience and return on savings. See our Cambodia savings account rates comparison →
Full Comparison: Best Banks in Cambodia 2026 — All Banks Side by Side
Data verified: May 2026. All rates confirmed directly with each institution. MoneyKH independent research — no bank has paid for placement.
| Feature | ABA Bank ⭐ | ACLEDA Bank | Canadia Bank | Wing Bank | Maybank Cambodia |
|---|---|---|---|---|---|
| Monthly fee | $0 ✅ | $0 ✅ | $0 ✅ | $0 ✅ | $5–15 |
| USD savings rate (May 2026) | 4.5–5.0% ✅ | 3.5–4.5% | 4.0–4.75% | 3.0–4.0% | 3.5–4.5% |
| USD fixed deposit 12m (May 2026) | 5.75–6.25% | 5.50–6.00% | 6.00–6.25% ✅ | 4.50–5.50% | 5.00–5.75% |
| Mobile banking app | ⭐⭐⭐⭐⭐ | ⭐⭐⭐ | ⭐⭐⭐ | ⭐⭐⭐⭐ | ⭐⭐⭐ |
| Bakong integration | ✅ Full | ✅ Full | ✅ Full | ✅ Full + AliPay+ | ✅ Full |
| Branch network | 100+ urban | 250+ all 25 provinces ✅ | 40+ major cities | 9,000+ agents ✅ | 15 branches |
| Foreigner account opening | ✅ Passport + any visa | ✅ Passport + Visa | ✅ Passport + Visa | ✅ Phone + ID | More docs required |
| SME loans | ✅ Strong | ✅ Market leader ⭐ | ✅ Good | Limited | ✅ Regional |
| Remittance receiving | ✅ Free SWIFT in | ✅ MoneyGram/WU | ✅ SWIFT | ✅ 50+ countries ⭐ | ✅ SWIFT + regional |
| Account opening speed | Same day ✅ | Same day | 1–2 days | Minutes (app) ✅ | 3–5 days |
| MoneyKH Score (May 2026) | 9.1/10 🏆 | 8.6/10 | 8.0/10 | 8.2/10 | 7.4/10 |
Data verified: May 2026. All rates confirmed directly with each institution. Scores are independent editorial assessments — no payment accepted for placement. Always verify current rates with the bank before opening an account.
Q: Which is the best bank in Cambodia for foreigners in 2026?
ABA Bank is the best bank for foreigners in Cambodia in 2026. Specific verified data (May 2026): accepts passport + any valid visa (including tourist E-visa) for same-day account opening, zero monthly fee, zero minimum balance, 4.5–5.0% USD savings rate, Cambodia’s #1 rated mobile banking app (ABA Mobile), free incoming SWIFT for USD, full Bakong integration for instant transfers, ABA Pay merchant QR at 100,000+ locations. Backed by National Bank of Canada. Wing Bank is the best secondary account for receiving remittances from abroad — open in minutes via app, no branch visit required.
Q: What is the highest savings account interest rate in Cambodia in 2026?
For USD savings accounts, ABA Bank offers 4.5–5.0% per annum (tiered by balance, verified May 2026). For USD fixed deposits, Canadia Bank offers 6.25% p.a. on 12-month terms — the highest rate verified at any NBC-licensed institution as of May 2026, significantly above comparable US (4.5–5.0%), UK (4.0–4.5%), or Singapore (3.5–4.0%) bank rates. KHR savings accounts at ACLEDA offer 4.00–6.00% p.a. due to NBC de-dollarisation incentives. For the full comparison: Cambodia Savings Rates 2026 →
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.
