Last Updated: April 2026 · Editorial Team · Written by P. Dutta, Cambodia Finance Analyst
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ABA Bank review 2026: ABA Bank (Advanced Bank of Asia Limited) is Cambodia’s best bank for digital banking, earning a MoneyKH score of 9.1/10. It offers Cambodia’s highest-rated mobile app, a free savings account with zero minimum balance, ABA Pay QR payments at over 100,000 merchants, Bakong blockchain transfers, and USD savings rates of 4.5–5.0% per annum — the highest available at any major Cambodian commercial bank for standard accounts. ABA is the definitive recommendation for any resident, expat, or business owner in Cambodia as a primary daily banking account. Its limitations are outgoing international wire fees ($15–25 per transfer) and personal loan rates that run higher than Singapore or Malaysian equivalents. For fixed deposits at 12–24 month terms, compare ABA’s rate against Canadia Bank before committing. For everything else — daily banking, mobile payments, Bakong, and savings — ABA has no equal in Cambodia in 2026.
🇰🇭 ABA Bank Cambodia · Full Review · Fees · Rates · App · Loans · Foreigners · 2026
ABA Bank Cambodia Review 2026: Fees, Rates, App, Loans & Verdict
ABA Bank is not merely Cambodia’s largest retail bank — it is the infrastructure layer that runs Cambodia’s urban digital economy. 8M+ customers. 1,000+ ATMs. 100,000+ ABA Pay merchants. Cambodia’s #1 rated banking app. This is the most comprehensive English-language ABA Bank review available — covering every account type, every fee, and the honest limitations most reviews skip.
9.1/10
MoneyKH Score
✅ Free savings account · $0 monthly fee
✅ Cambodia’s #1 rated banking app
✅ ABA Pay: 100,000+ QR merchants
✅ Bakong · USD 4.5–5.0% p.a. savings
8M+
Registered customers. Cambodia’s largest retail banking base. More than ACLEDA, Canadia, and Wing combined.
1,000+
ATMs and Cash Recycling Machines. Cambodia’s widest self-service network — all provinces.
100K+
ABA Pay QR merchant locations. The de facto payment standard for Cambodia’s urban economy.
5.0%
Top USD savings rate p.a. — higher than US, UK, Singapore, or Malaysia equivalents at comparable institutions.
2014
Year National Bank of Canada acquired ABA. Institutional-grade backing behind Cambodia’s digital banking transformation.
⚡ MoneyKH Quick Reference — ABA Bank 2026
- Personal Savings Account — $0 fee, $0 minimum balance, USD & KHR, same-day opening.
- Fixed Deposit Rates 2026 — up to 6.25% p.a. for 12-month USD. Full rate table below.
- ABA Mobile App — Cambodia’s #1 rated banking app. Full feature breakdown.
- ABA Pay & Bakong — how QR payments and blockchain transfers work in practice.
- ABA Personal & SME Loans — rates, eligibility, and how ABA compares to MFI alternatives.
- Foreign Account Opening — exactly what documents you need. Step-by-step guide.
- Back to: Best Banks in Cambodia 2026 → — how ABA compares to ACLEDA, Canadia, Wing, and Maybank.
- Cambodia Savings Rate Comparison → — ABA vs all banks, updated April 2026.
ABA Bank 2026: MoneyKH Verdict at a Glance
✅ Where ABA Leads Cambodia
- Mobile banking app — unchallenged #1 in Cambodia
- QR merchant network — widest in the country by far
- USD savings rate — highest available at a major bank
- ATM network — 1,000+ machines, all provinces
- Account opening speed — same day for locals and foreigners
- Bakong integration — seamless, instant, 24/7
- Incoming SWIFT — no charge for USD receipts
- Customer support — 24/7 phone, in-app chat, branch
- Multi-currency — USD and KHR on one platform
- Institutional backing — National Bank of Canada subsidiary
⚠️ ABA Honest Limitations
- Outgoing SWIFT — $15–25 per transfer. Not the cheapest for frequent senders.
- Fixed deposits (12–24 months) — Canadia Bank sometimes edges higher
- Personal loan rates — 14–18% p.a. is market rate but high vs Singapore
- Branch queues — flagship Phnom Penh branches can be slow during peak hours
- KHR savings rates — USD equivalent is stronger on a real-return basis
- Business account minimums — require higher initial deposit than personal
- Rural coverage — agent banking in some provinces, not full branches
- No credit card for all customers — eligibility criteria apply
MoneyKH Bottom Line on ABA Bank
ABA Bank is Cambodia’s best bank for daily banking in 2026 — for residents, expats, and businesses alike. The gap between ABA and any competitor on mobile experience, merchant payments, and savings rates is large enough that this is not a close call. The only reason to use a different primary bank is if you need ACLEDA’s rural branch coverage or Canadia’s fixed deposit rates for long-term savings. Use ABA as your primary operational account in all other circumstances. Score: 9.1/10.
ABA Bank: History, Ownership & Why It Matters
Understanding who owns ABA Bank matters when evaluating whether your deposits are safe and why the institution has invested so heavily in digital infrastructure when no competitor has come close to matching it.
ABA Bank was founded in 1996 as Advanced Bank of Asia Limited — one of many small private banks that emerged in Cambodia’s post-conflict economic reconstruction period. For its first 18 years it was a modest mid-tier institution with limited retail presence. The transformation came in 2014, when National Bank of Canada (NBC Group) — one of Canada’s six largest banks, with over $400 billion in assets — acquired a controlling stake. This was not a passive investment. National Bank of Canada brought institutional banking infrastructure, risk management systems, capital access, and a mandate to build Cambodia’s dominant digital bank.
The results speak for themselves: from 2014 to 2026, ABA grew from a minor player to a bank with 8M+ registered customers, Cambodia’s widest ATM network, and the country’s most used mobile payment system. The National Bank of Canada parentage gives ABA two structural advantages no local competitor can replicate: access to institutional capital for technology investment, and governance standards that consistently exceed NBC (National Bank of Cambodia) requirements.
What ABA’s ownership means for depositors
ABA Bank is regulated by the National Bank of Cambodia and participates in Cambodia’s deposit guarantee scheme (CDGC — coverage up to approximately $7,500 USD per depositor). Beyond the regulatory minimum, ABA’s National Bank of Canada parent provides institutional-grade financial backing that its locally-owned competitors cannot match. MoneyKH does not rate this as a deposit insurance substitute, but it is a material consideration for larger balances.
ABA Bank: All Account Types 2026
Personal Savings Account
ABA’s flagship retail product. Available in USD and KHR. Zero monthly fee. Zero minimum balance. Opens same day at any branch for locals and most foreigners. This is the account the majority of ABA’s 8M+ customers hold.
USD Savings
4.5–5.0%
per annum · tiered by balance
No monthly fee · No minimum · Full Bakong access · ABA Pay · SWIFT in free
KHR Savings
5.5–7.0%
per annum · NBC de-dollarisation incentive
Higher nominal rate. Relevant for KHR-spending Cambodians. FX risk vs USD for expats.
Joint Account
Available
Same rates as individual · both signatories required
Useful for couples, business partners. Either/or or both-to-sign options.
ABA Fixed Deposit Accounts 2026
Fixed deposits lock your funds for a defined term in exchange for a guaranteed higher rate. ABA offers fixed deposits in USD and KHR from 1 month to 36 months. Minimum deposit: $500 USD (or KHR equivalent). Early withdrawal forfeits a portion of the interest earned — terms confirmed at branch before committing.
| Term | USD Rate (p.a.) | KHR Rate (p.a.) | Min. Deposit | MoneyKH Note |
|---|---|---|---|---|
| 1 month | ~4.75% | ~6.00% | $500 | Savings account often better for short terms — check before locking. |
| 3 months | ~5.25% | ~6.50% | $500 | Solid rate for short-term parking of surplus USD. |
| 6 months | ~5.50% | ~7.00% | $500 | ABA competitive here. Compare with Canadia before deciding. |
| 12 months | ~5.75–6.25% | ~7.50% | $500 | Canadia may offer 6.25–6.50% here. Verify both before committing. |
| 24 months | ~6.00–6.50% | ~7.75% | $1,000 | Strong rate. Canadia worth checking for this term specifically. |
| 36 months | ~6.50% | ~8.00% | $1,000 | Longest term available. Verify early withdrawal penalties carefully. |
All rates are approximate and verified April 2026 via direct ABA Bank inquiry. Rates change without notice — confirm at ababank.com or in-branch before opening any fixed deposit.
ABA Business Account
ABA’s business account is the operating account for the majority of Phnom Penh’s formal SMEs. It provides the same ABA Pay QR merchant acceptance, Bakong transfers, and mobile banking as the personal account — with added business features including multi-user access, dedicated relationship managers for larger accounts, and integration with Cambodia’s major payroll and accounting tools.
ABA Business Account — Key Terms 2026
- Monthly fee: typically $5–15 depending on account tier (confirm at branch)
- Minimum opening balance: $200–$1,000 depending on business type
- Multi-director access: available with custom transaction limits per user
- ABA Pay merchant QR: included — accept customer payments at zero transaction fee
- Payroll integration: ABA bulk payment for staff salaries via ABA Mobile
- Business credit card: available subject to financial documentation and credit assessment
- Dedicated SME relationship manager: assigned for accounts above a threshold balance
ABA Credit Card
ABA offers Visa credit cards to qualifying customers — a relatively rare product in Cambodia’s banking market. Eligibility requires a salary account with ABA (or documented income), minimum income thresholds, and a credit assessment. The card is a genuine Visa card usable internationally, with a credit limit set by ABA based on financial assessment. Not available to all customers — walk-in applications from new customers without an existing ABA salary account are typically declined at the first visit.
ABA Bank: Complete Fees & Rates Table 2026
Verified April 2026. All fees subject to change — confirm at ababank.com before transacting.
| Fee / Product | Amount | Notes |
|---|---|---|
| Account Fees | ||
| Personal savings — monthly fee | $0 | Free. No conditions. |
| Minimum balance requirement | $0 | Personal accounts. Business accounts: $200–$1,000. |
| Account dormancy fee | Applies | Accounts inactive 12+ months may incur a dormancy fee. Confirm terms. |
| Transfers & Payments | ||
| ABA → ABA transfer | Free | Instant via ABA Mobile. Unlimited. |
| Bakong transfers (any bank) | Free | Instant. 24/7. Domestic and cross-border (TH, MY, VN). |
| ABA Pay QR payment (customer sends) | Free | No transaction fee for paying via ABA Pay QR. |
| Incoming SWIFT (USD) | Free | No charge for receiving USD international wires. Significant advantage vs some banks. |
| Outgoing SWIFT (international) | $15–25/transfer | Varies by destination and amount. ABA’s main cost disadvantage for frequent senders. |
| Inter-bank transfer (non-Bakong) | Small fee applies | Use Bakong instead — it is free and instant to all NBC-connected banks. |
| ATM & Cash | ||
| ABA ATM withdrawal | Free | Own-network. 1,000+ machines nationwide. |
| Other bank ATM (Cambodia) | Fee applies | Typically $1–2 per withdrawal. Always use ABA ATMs when possible. |
| Cash deposit (CRM) | Free | Cash Recycling Machines at major branches. Self-service cash deposit. |
| Cards | ||
| Debit card (Visa/UnionPay) | Free | Issued with all personal accounts. Domestic and international use. |
| International card transaction fee | ~1.5–2.5% | On overseas card purchases. Confirm current rate at branch. |
| Credit card annual fee | Varies by tier | Subject to eligibility. Confirm at branch — not available to all customers. |
ABA Mobile App — Cambodia’s Best Banking App: Full Assessment
The ABA Mobile app is the single biggest competitive advantage ABA Bank holds over every other Cambodian financial institution. This is not marketing language — it is the consistent finding of Cambodia’s app store rankings, customer surveys, and MoneyKH’s own evaluation. Here is what the app actually does and where it stands versus alternatives.
What ABA Mobile Does — Feature by Feature
Banking Core
- Account balance and statements — real-time, categorised by transaction type
- ABA-to-ABA transfers — instant, free, no limit per transfer
- Bakong transfers — to any NBC-connected bank, 24/7, free
- Fixed deposit opening — open and manage FDs entirely in-app, no branch visit
- Bill payments — electricity (EDC), water (PPWSA), internet, phone top-up
- Loan repayment — schedule and pay loan instalments in-app
- International wire initiation — SWIFT transfers initiated via app
- Card management — freeze/unfreeze debit card, set limits, view transactions
Payments & Commerce
- ABA Pay QR scan-to-pay — pay at any ABA Pay merchant by scanning their QR
- ABA Pay receive — display your personal QR to receive payments
- Bakong QR — cross-bank and cross-border QR payments
- AliPay+ receive — accept from Chinese tourists via AliPay, WeChat Pay
- UnionPay QR — accept UnionPay from Chinese and regional visitors
- Scheduled payments — set recurring transfers and bill payments
- Transaction history export — download statements for accounting
- Multi-account management — manage USD and KHR accounts simultaneously
ABA Mobile vs Competitors — Honest Comparison
| Feature | ABA Mobile ⭐ | ACLEDA Unity | Wing App | Canadia App |
|---|---|---|---|---|
| UI / UX Quality | Excellent ★★★★★ | Average ★★★ | Good ★★★★ | Average ★★★ |
| Bakong transfers | ✅ Seamless | ✅ Available | ✅ + AliPay+ | ✅ Available |
| Open FD in-app | ✅ Full | ❌ Branch needed | ❌ Limited | ❌ Branch needed |
| QR merchant network | 100,000+ ⭐ | Moderate | Large (agents) | Small |
| Bill payments | ✅ Full | ✅ Partial | ✅ Good | ✅ Basic |
| App Store rating (Cambodia) | #1 ⭐ | Lower | #2 | Lower |
ABA Pay & Bakong: How Cambodia’s Payment System Works in Practice
For any new resident or first-time visitor to Cambodia, understanding the payment landscape takes about 48 hours of real-world experience. Let us compress that into a clear explanation of how ABA Pay and Bakong work — and why this matters for your bank account choice.
ABA Pay — Cambodia’s Merchant Payment Network
ABA Pay is a QR-code based payment system operated by ABA Bank. It has become the default payment method for Cambodia’s formal urban economy. When a café, restaurant, supermarket, or street vendor in Phnom Penh or Siem Reap accepts digital payments, ABA Pay is almost always the first QR code on their counter. The network has grown to over 100,000 merchant locations — making it Cambodia’s equivalent of Singapore’s PayNow or Thailand’s PromptPay in terms of merchant penetration.
How it works: You open ABA Mobile → tap “Pay” → scan the merchant’s ABA Pay QR → confirm the amount → transaction complete in under 5 seconds. The merchant receives notification instantly. No card, no cash, no NFC hardware required. The merchant pays a small MDR (merchant discount rate) — the customer pays nothing.
Bakong — The Infrastructure Behind All of This
Bakong is the National Bank of Cambodia’s blockchain-based payment rail that sits underneath ABA Pay, Wing, TrueMoney, and every other digital payment system in Cambodia. When you send money from your ABA account to someone at ACLEDA or Wing via Bakong — it routes through the NBC’s blockchain settlement layer, arrives instantly, costs nothing, and is irrevocable. This is not a fintech product. It is central bank infrastructure.
🇰🇭 Domestic Bakong via ABA
- ABA → ACLEDA: instant, free
- ABA → Wing Bank: instant, free
- ABA → Canadia: instant, free
- ABA → any NBC-connected bank: instant, free
- Available 24/7 including weekends and public holidays
- No transaction size limit for most standard transfers
🌏 Cross-Border Bakong via ABA
- 🇹🇭 Thailand (PromptPay): QR payment and transfer
- 🇲🇾 Malaysia (DuitNow): QR payment and transfer
- 🇻🇳 Vietnam (VietQR): integration active 2025
- No SWIFT fee — uses local settlement rails
- Cambodian worker in Bangkok → send home instantly
- Thai or Malaysian tourist in Cambodia → pay anywhere
ABA Bank Loans & Credit Products 2026
ABA offers personal loans, home loans, and SME loans. Its rates are at the lower end of the Cambodian market but remain high by Singapore or Malaysian standards — reflecting Cambodia’s dollarised economy, limited credit bureau infrastructure, and higher lender risk premium. Anyone who has accessed credit in a developed market should recalibrate expectations before applying.
| Loan Type | Rate (p.a.) | Currency | Max Term | Notes |
|---|---|---|---|---|
| Personal loan | 14–18% | USD / KHR | 5 years | Requires salary account at ABA. Lower than MFI rates. |
| Home loan / mortgage | 9–13% | USD | 20 years | Land title required as collateral. Most competitive loan product. |
| SME business loan | 10–16% | USD / KHR | 7 years | Collateral typically required. Financial statements reviewed. |
| Overdraft facility | 15–18% | USD | 12 months (renewable) | Business accounts. Subject to credit assessment. |
MoneyKH Loan Verdict
ABA’s home loan rate (9–13% p.a.) is genuinely competitive for Cambodia’s property-secured lending market. For personal loans, ACLEDA and some MFIs may match or slightly undercut ABA’s rate — compare all options before committing. For SME loans with collateral, ABA and ACLEDA are the two strongest institutional options. See our Best Personal Loans in Cambodia 2026 → for the full comparison across all lenders.
ABA Bank International Transfers 2026
International money transfers are where ABA’s fee structure creates the most friction for expats and businesses. Here is the honest picture:
✅ ABA International — What Works Well
- Incoming USD SWIFT: Free — receiving international wires costs nothing. Share your ABA SWIFT code and account number with overseas employers, clients, or family.
- Bakong cross-border (TH, MY, VN): Free and instant — replaces SWIFT for these corridors entirely.
- AliPay+ / WeChat Pay receive — accept from China-based senders or tourists.
- ABA’s SWIFT code is well-established — no routing issues with major international banks.
⚠️ ABA International — Limitations
- Outgoing SWIFT: $15–25 per transfer — adds up fast for monthly remittances. At 2 transfers/month: $360–600/year in wire fees alone.
- No multi-currency accounts — all held in USD or KHR only.
- No named foreign currency accounts (EUR, GBP, SGD, etc.).
- FX conversion rate margin applies when receiving in non-USD currencies.
- For frequent international senders: evaluate whether a dedicated cross-border solution alongside ABA reduces total cost.
Opening an ABA Bank Account as a Foreigner in 2026 — Step-by-Step
ABA Bank is the most foreigner-accessible bank in Cambodia. The process is clear, fast, and requires no advance appointment at most branches. Here is exactly what to expect:
📄 What to Bring
- Passport — original, valid 6+ months remaining
- Valid Cambodia visa — any type including tourist E-visa
- Cambodian phone number — Smart or Cellcard SIM (buy before visiting)
- Initial deposit — any amount ($1–$100 typical)
- Some branches: proof of address (hotel booking, lease, or utility bill)
You do NOT need a work permit, business visa, or residence certificate for a personal savings account.
⚡ The Process (Phnom Penh)
- Arrive at ABA flagship branch — Sorya Centre (ground floor) or Vattanac Capital
- Take a ticket at the service counter — account opening queue
- Provide passport + visa + phone number to the officer
- Complete and sign the account opening form
- Make initial deposit (any amount)
- Receive debit card and account details — same visit
- Download ABA Mobile → activate with your phone number
- Register for Bakong within ABA Mobile app
Total time: 30–90 minutes depending on queue.
Best branches for foreigners (English-speaking staff confirmed): Sorya Centre (Khan Daun Penh), Vattanac Capital Tower, Aeon Mall Sen Sok, Olympia City. In Siem Reap: Sivatha Boulevard main branch.
ABA Bank vs ACLEDA vs Wing Bank 2026 — When to Choose Each
| Your Situation | ABA Bank | ACLEDA | Wing Bank |
|---|---|---|---|
| Daily banking in Phnom Penh / Siem Reap | ✅ Primary choice | Secondary | Secondary |
| Banking in a provincial town | Agent only | ✅ Primary choice | ✅ Agent network |
| SME loan application | ✅ Strong | ✅ Market leader | ❌ Limited |
| Receiving remittances from abroad | ✅ SWIFT free in | ✅ MoneyGram / WU | ✅ 50+ countries ⭐ |
| USD savings / fixed deposit | ✅ Best savings rate | Lower rates | ❌ Not primary |
| Accepting AliPay / WeChat Pay | ✅ Via ABA Pay | Limited | ✅ Native ⭐ |
| Mobile-only, no branch visits | ✅ Full app banking | Some branch needed | ✅ App-first ⭐ |
MoneyKH Recommended Setup: ABA + one specialist bank
Use ABA as your primary operational account — daily banking, payments, savings. Add ACLEDA if you need an SME loan or operate in a provincial location. Add Wing Bank if you regularly receive remittances from Thailand, South Korea, or the US. Holding accounts at two institutions costs nothing in monthly fees and gives you complete coverage of Cambodia’s financial system.
FAQ: ABA Bank Cambodia 2026
Q: Is ABA Bank safe? Who owns it?
ABA Bank is a fully licensed commercial bank regulated by the National Bank of Cambodia. Its majority shareholder is National Bank of Canada — one of Canada’s six largest banks with over $400 billion in assets. ABA participates in the Cambodia Deposit Guarantee Corporation (CDGC), which protects deposits up to approximately $7,500 USD per depositor. For balances above that level, ABA’s institutional backing from National Bank of Canada is a material additional comfort factor — though it is not a formal guarantee. MoneyKH rates ABA’s institutional safety as the highest of any Cambodia-incorporated bank for personal and SME deposits.
Q: What is ABA Bank’s SWIFT code?
ABA Bank’s SWIFT/BIC code is ABAAKHPP. Use this when receiving international wire transfers in USD. Incoming SWIFT transfers in USD are received at no charge to the ABA account holder — one of ABA’s most competitive features for expats and remote workers. When initiating a wire to ABA, the sending bank will also ask for your full account number and ABA’s correspondent bank details — your ABA branch or the ABA Mobile app can provide these on request.
Q: Can I open an ABA Bank account without a work permit in Cambodia?
Yes. A work permit is not required to open a personal savings account at ABA Bank. A valid passport and any type of Cambodian visa — including a tourist E-visa — is sufficient for most account types. ABA is one of the most foreigner-accessible banks in Southeast Asia. The process is same-day at most branches. MoneyKH recommends bringing a Cambodian SIM card (Smart or Cellcard, available at the airport) to ensure your phone number is ready for the ABA Mobile activation step.
Q: What is the ABA Bank savings account interest rate in 2026?
ABA Bank’s USD savings account offers 4.5–5.0% per annum, tiered by balance — the highest rate available at a major Cambodian commercial bank for standard savings accounts. KHR savings accounts offer higher nominal rates of 5.5–7.0% per annum, reflecting the NBC’s de-dollarisation incentives. For fixed deposits, ABA offers up to approximately 6.25% p.a. for 12-month USD terms and up to 6.50% for 24-month terms. All rates should be confirmed directly with ABA before depositing, as they are reviewed quarterly and subject to change without notice.
Q: How do I send money internationally from ABA Bank?
Outgoing international transfers from ABA Bank can be initiated via ABA Mobile or at any ABA branch. The fee is typically $15–25 per outgoing SWIFT transfer, depending on the destination country and transfer amount. For transfers to Thailand, Malaysia, or Vietnam, use Bakong cross-border transfer instead — it is free, instant, and available 24/7 via ABA Mobile. For other countries, initiate the SWIFT transfer in-app (select “International Transfer”) or visit a branch. You will need the recipient’s SWIFT/BIC code, account number, and bank address.
Q: What is ABA Pay and how does it work?
ABA Pay is ABA Bank’s QR-code payment system for retail merchant transactions. It operates at over 100,000 merchant locations in Cambodia — making it the most widely accepted digital payment method in the country. To pay: open ABA Mobile → tap “Pay” → scan the merchant’s ABA Pay QR code → confirm amount → done. To receive payments as a merchant or individual: display your personal QR from ABA Mobile and ask the sender to scan it. No transaction fee is charged to the payer. ABA Pay also supports Bakong QR, AliPay+, WeChat Pay, and UnionPay at integrated merchant locations.
Q: How does ABA Bank compare to ACLEDA Bank?
ABA leads ACLEDA on: mobile banking app quality, USD savings rates, ATM network density in urban areas, ABA Pay QR merchant coverage, and account opening speed. ACLEDA leads ABA on: physical branch coverage across all 25 provinces, SME loan portfolio depth, KHR savings product range, agricultural finance, and deep trust in rural communities built over 30 years. The practical recommendation: use ABA as your primary operational account for daily banking and savings. Use ACLEDA for any SME loan requirement or if you live and operate primarily in a provincial location. Both are free accounts with no monthly fee. See the full bank comparison →
Q: Does ABA Bank offer a credit card in Cambodia?
Yes. ABA offers Visa credit cards to qualifying customers. Eligibility requires a documented income source (salary account at ABA is the most straightforward path), minimum income thresholds that ABA assesses internally, and a credit evaluation. Credit cards are not automatically issued with new accounts — you must apply separately after establishing an account history with ABA. The credit card is a genuine Visa card usable internationally. Annual fees and interest rates vary by card tier — confirm current terms at an ABA branch or via ABA Mobile’s “Products” section.
Q: Can I open an ABA fixed deposit account without visiting a branch?
Yes — this is one of ABA Mobile’s most useful features and a significant advantage over competitors. Once your ABA account is active and ABA Mobile is set up, you can open, manage, and at maturity renew or withdraw a fixed deposit entirely within the app, with no branch visit required. Navigate to “Products” → “Fixed Deposit” → select currency (USD or KHR) → choose term → enter amount → confirm. The funds are deducted from your savings account immediately and the fixed deposit is live. At maturity, you choose to reinvest the principal, reinvest principal and interest, or return to savings — all via app.
Q: Where are ABA Bank’s best branches in Phnom Penh and Siem Reap?
In Phnom Penh, the best branches for account opening and English-language service are: Sorya Shopping Centre (ground floor, Khan Daun Penh) — largest and most accessible; Vattanac Capital Tower (Khan Daun Penh) — business district location; Aeon Mall Sen Sok (Khan Sen Sok) — modern, English-speaking staff, lower queue times than city centre. In Siem Reap: the main branch on Sivatha Boulevard is the recommended location for foreigners — reliable English service and full account opening capability. ABA’s branch network covers all provincial capitals with at least one full-service location.
MoneyKH Final Verdict — ABA Bank 2026
Cambodia’s best bank. No close second.
ABA Bank wins on every dimension that matters for daily banking in Cambodia: app quality, merchant payments, savings rates, ATM coverage, account opening speed, and institutional backing. The limitations — outgoing SWIFT fees and personal loan rates — are real but do not change the primary recommendation. Every Cambodian resident and expat should hold an ABA account as their primary bank. Layer ACLEDA for SME lending and Canadia for fixed deposit comparison at longer terms.
Daily banking: ABA Bank. · Fixed deposits (12–24m): compare Canadia. · SME loans: compare ACLEDA.
9.1
/10 · MoneyKH Score
App: ★★★★★
Fees: ★★★★★
Savings: ★★★★★
Loans: ★★★☆☆
International: ★★★☆☆
MoneyKH — Cambodia’s Independent Finance Authority
ABA Rate Changes — Get Notified First
ABA Bank reviews savings and fixed deposit rates quarterly. Subscribe to the MoneyKH rate alert — Cambodia’s only independent financial data newsletter — and receive updates before they appear anywhere else in English.
More MoneyKH: Cambodia Banking Guides 2026
🏦 Bank Reviews
- Best Banks in Cambodia 2026 — Full Comparison → ABA vs ACLEDA vs Canadia vs Wing vs Maybank
- ACLEDA Bank Review 2026 → Cambodia’s SME and rural banking leader
- Canadia Bank Review 2026 → Best fixed deposit rates in Cambodia
- Wing Bank Review 2026 → Cambodia’s mobile-first and remittance leader
💰 Savings & Deposits
- Cambodia Savings Account Interest Rates 2026 — All Banks →
- How to Open a Bank Account in Cambodia 2026 →
💸 Loans
📱 Digital Wallets & Payments
Written by P. Dutta, Cambodia Finance Analyst. Last updated: April 2026. All ABA Bank rates and fees verified April 2026 via direct inquiry with the institution. Financial products change — confirm current terms at ababank.com or in-branch before opening any account or product. This guide does not constitute financial advice. MoneyKH operates as an independent comparison platform with no affiliate partnerships — see our full 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.
