Last Updated: April 2026 ·
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By MoneyKH Research Team →
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FTB Cambodia (Foreign Trade Bank of Cambodia) is Cambodia’s oldest and only state-owned commercial bank, founded in 1979 and operating under a full commercial banking licence from the National Bank of Cambodia. MoneyKH rates FTB 6.8 out of 10 in its 2026 assessment. FTB’s primary strengths are government-backed security, an in-branch tax payment service unique among Cambodian banks, payroll management for employers, and KHQR-enabled QR payments. Its key limitations are below-market USD savings rates compared to ABA Bank and Canadia Bank, a smaller branch and ATM network than ACLEDA Bank, and a digital banking experience that trails market leader ABA. FTB is best suited for government employees, businesses requiring in-branch GDT tax payment, and depositors who prioritise state-backed security over rate maximisation.
FTB Cambodia Review 2026: State-Backed Banking, Tax Services & Honest Verdict
Cambodia’s oldest bank. Government-owned. Full commercial banking licence. KHQR enabled. The only bank in Cambodia where you can pay your GDT taxes in person — but is that enough to make FTB your primary bank?
- ✅ Cambodia’s oldest bank — established 1979
- ✅ 100% state-owned — government-backed security
- ✅ Only bank offering in-branch GDT tax payment
- ✅ No minimum balance — no monthly account fee
- ✅ KHQR & SWIFT enabled — domestic + international transfers
- ⚠ USD savings rate below ABA and Canadia
- ⚠ Fixed deposit minimum USD 1,000
- ⚠ Branch network smaller than ACLEDA and ABA
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MoneyKH Quick Reference — FTB Cambodia 2026
In this review:
60-Second Verdict
FTB Cambodia scores 6.8/10 on the MoneyKH assessment framework. It is a fully licensed commercial bank regulated by the National Bank of Cambodia, with deposits covered by the Credit Guarantee Corporation of Cambodia (CGCC) scheme. That regulatory standing is not in question.
Where FTB distinguishes itself is in what no other Cambodian commercial bank offers: in-branch payment of General Department of Taxation (GDT) and General Department of Customs and Excise (GDCE) taxes, and in-branch National Social Security Fund (NSSF) contribution payments. For business owners who pay corporate income tax, VAT, or import duties, and want to settle those obligations in person at a bank counter rather than navigating the GDT portal, FTB is the natural choice.
For most other banking needs, FTB is outperformed. ABA Bank offers higher savings rates, a vastly superior mobile app, and 10 times the QR merchant network. Canadia Bank offers higher fixed deposit yields. ACLEDA Bank has 250+ branches to FTB’s 30+. That is not a reason to dismiss FTB — it is a reason to understand exactly when FTB is and is not the right bank for you.
✅ FTB is right for you if…
- You are a government employee and paid via FTB payroll
- Your business pays GDT or GDCE taxes and prefers in-branch settlement
- You want a state-owned bank with government-backed implicit security
- You need an auto loan (up to 70% financing, 6-year term)
- You receive remittances from South Korea via Kookmin Bank
- You want VIP banking services without the full private bank fees
⚠ Consider alternatives if…
- You want the highest USD savings rate — use ABA Bank
- You want the highest 12-month+ fixed deposit rate — use Canadia Bank
- You need a wide rural branch network — use ACLEDA Bank
- You want the best mobile banking experience in Cambodia
- You are an expat needing seamless SWIFT + local banking — consider Maybank Cambodia
FTB Cambodia at a Glance: What Kind of Bank Is This?
The Foreign Trade Bank of Cambodia was established by Sub-decree No. 1213 on 10 October 1979, making it not only Cambodia’s oldest bank but one of the oldest financial institutions in modern Cambodian history. It pre-dates ABA Bank (1996) and ACLEDA Bank (1993) by more than a decade. In 2000, FTB was separated from direct National Bank of Cambodia management and restructured into a state-owned commercial bank — a Public Economic Enterprise — and was granted its independent commercial banking licence in January 2001.
Today, FTB operates as a full-service commercial bank under NBC supervision. Its SWIFT code is FTCCKHPP. The bank’s headquarters is located in Phnom Penh, with branches concentrated in the capital and major provincial centres. Unlike ACLEDA — which built one of the largest rural branch networks in Asia through its microfinance heritage — FTB has remained more Phnom Penh-centric in its physical footprint.
The state-owned structure has two implications for depositors. First, FTB carries an implicit government backstop that private commercial banks do not have — in the unlikely event of systemic stress, a state-owned bank would receive government intervention before a private bank. Second, state-owned banks historically move more slowly on rate innovation and product development, which explains why FTB’s savings rates have lagged behind ABA and Canadia in Cambodia’s increasingly competitive deposit market.
| Detail | FTB Cambodia |
|---|---|
| Full name | Foreign Trade Bank of Cambodia |
| Established | October 1979 (commercial licence: January 2001) |
| Ownership | 100% State-owned (Royal Government of Cambodia) |
| Regulator | National Bank of Cambodia (NBC) |
| SWIFT Code | FTCCKHPP |
| Website | ftb.com.kh |
| Phone | +855 23 862 111 |
| Key currencies | USD · KHR · and 11 foreign currencies for FX/remittance |
| KHQR | Yes — cross-border QR scan enabled |
| SWIFT CSP compliance | Confirmed (via Bottomline, 2021) |
| MoneyKH Score | 6.8/10 |
FTB Savings & Current Accounts: Rates & Features
FTB offers both savings accounts and current accounts in USD and KHR. The savings account is accessible to both individual customers and joint account holders, with no minimum ongoing balance required and no monthly maintenance fee — positions that match the market standard set by ABA Bank and Canadia Bank.
Each new savings account comes with a free Visa Debit Card (Classic tier) and free access to FTB Mobile and the bank’s retail internet banking platform. Interest is accrued daily and credited to the account periodically.
The honest limitation on savings rates: FTB’s personal USD savings rate is below the rates offered by ABA Bank (4.5–5.0% p.a.) and Canadia Bank (4.0–4.75% p.a.) as verified in MoneyKH’s April 2026 market sweep. For depositors whose primary objective is maximising returns on liquid savings, ABA remains the superior option. Our full comparison of all Cambodian bank savings rates is available in the Cambodia Savings Account Rates 2026 guide →
| Feature | FTB Savings Account |
|---|---|
| Currencies | USD and KHR |
| Minimum balance | None |
| Monthly fee | Free |
| Monthly statement | Free (once per month) |
| Debit card | Free Visa Debit Card (Classic) on account opening |
| Digital access | FTB Mobile (iOS & Android) + Retail Internet Banking — both free |
| Interest accrual | Daily |
| ATM balance inquiry at FTB ATMs | Free |
| KHQR payments | Yes — via FTB Mobile |
FTB’s USD savings interest rate for personal accounts was not publicly listed on ftb.com.kh at time of review. Contact FTB directly at +855 23 862 111 or visit any branch for the current rate. For comparative purposes, ABA Bank currently leads the market at 4.5–5.0% p.a. USD — see our full savings rate comparison →
FTB Fixed Deposits: Rates, Minimums & Withholding Tax
FTB’s fixed deposit product is a conventional term deposit available in USD and KHR. The minimum opening deposit is USD 1,000 (or KHR equivalent) — a meaningful threshold that places FTB’s FD above ABA’s more accessible entry point. Interest accrues daily and can be paid monthly, every three months, or at maturity — giving depositors useful income timing flexibility.
One area where FTB is transparent and explicit is withholding tax on FD interest: 6% for Cambodian tax residents, and 14% for non-residents. These rates are standard under Cambodian tax law and apply to all licensed banks, but FTB is among the more prominently disclosing institutions. Expats and foreign investors in particular should factor the 14% withholding rate into their net yield calculations before choosing between FTB and alternatives.
Regarding early withdrawal: any FD closed before maturity within the first 12 months earns only the savings account rate. For FDs with terms greater than 12 months, early closure earns the rate of the lower tier for the period completed. This is a standard penalty structure but is worth understanding before committing.
The MoneyKH verdict on FTB fixed deposits: For terms of 6 months and above, Canadia Bank’s FD rates have historically led the Cambodian market (currently up to 6.25% for 12-month USD FD, and up to 6.75% for 36-month). If maximising fixed deposit yield is the primary objective, Canadia Bank remains MoneyKH’s recommended FD provider →. FTB fixed deposits appeal more to government-connected depositors who prefer to keep their entire banking relationship — transactional, fixed, and tax services — within one institution.
| FD Parameter | FTB Cambodia | Canadia Bank |
|---|---|---|
| Minimum deposit | USD 1,000 | ⭐ Contact Canadia for min. |
| 12-month USD FD rate | Contact FTB for current rate | ⭐ Up to 6.25% p.a. |
| Interest payment | Monthly / Quarterly / At maturity ⭐ | At maturity or monthly |
| Withholding tax (resident) | 6% | 6% |
| Withholding tax (non-resident) | 14% | 14% |
| Early withdrawal (≤12m) | Earns savings rate only | Earns savings rate only |
FTB Loans: Personal, Auto & Housing
FTB offers a complete personal and business lending suite. For personal borrowers, the three most relevant products are the unsecured personal loan, the auto loan, and the housing loan. FTB also provides market loans and overdraft facilities against fixed deposits for customers who want to access liquidity without breaking their FD.
Unsecured Personal Loan
FTB’s unsecured personal loan product is positioned for payroll account holders. The key headline: borrowers can access up to 6 times their gross monthly salary without pledging collateral. The application requires straightforward documentation — principally salary slips and employment confirmation. For government employees on FTB payroll, this is a particularly accessible path to personal credit. FTB describes the interest rate as competitive; contact the bank directly for the current rate applicable to your salary band.
Auto Loan
FTB’s auto loan finances up to 70% of the vehicle purchase price with a maximum term of 6 years. This is a competitive LTV ratio for the Cambodian market. The product covers both new and used vehicles. Interest rates are described as competitive — verify the current rate with FTB before comparing to market alternatives. For a full comparison of personal and vehicle lending options across Cambodian banks, see our Best Personal Loans Cambodia 2026 guide →
Housing Loan
FTB offers housing loans through its standard mortgage product line. The bank’s SWIFT capabilities mean it can also serve returnee Cambodians and foreign investors seeking housing finance backed by an internationally connected institution. For a detailed guide to Cambodia’s mortgage market — including foreign ownership rules and borey versus condo financing — see the Cambodia Home Loan & Mortgage Guide 2026 →
| Loan Type | Key Feature | Collateral | Max Term |
|---|---|---|---|
| Unsecured personal loan | Up to 6× gross salary ⭐ | None required | Confirm with FTB |
| Auto loan | Up to 70% LTV | Vehicle | Up to 6 years ⭐ |
| Housing loan | Residential property | Property | Up to 40 years |
| Market loan | Business capital | Asset-backed | Confirm with FTB |
| Overdraft against FD | Liquidity without breaking FD | FD certificate | Tied to FD term |
FTB International Transfers & Remittance
FTB processes international wire transfers through the SWIFT network (code: FTCCKHPP) and supports a broad currency range for outward remittance: USD, EUR, GBP, CHF, AUD, HKD, CAD, NZD, SGD, THB, and JPY. This eleven-currency reach makes FTB genuinely useful for businesses with diverse international payment obligations — though for most standard corridors, digital-first providers such as Wise will offer lower all-in costs.
Outward Remittance Fees (Verified April 2026)
| Transfer Type | Fee Structure | Settlement |
|---|---|---|
| Outward SWIFT (any currency) | 0.15% + USD 15 SWIFT charge | 1–3 working days |
| Transaction cancellation / inquiry | USD 30 | N/A |
| Inward remittance (FTB customer) | 0.10%, min USD 10, max USD 2,500 | Standard SWIFT |
| Inward remittance (non-FTB customer) | 0.15%, min USD 20, max USD 3,000 | Standard SWIFT |
| Inward via Kookmin Bank (South Korea) ≤ USD 5,000 | ⭐ Flat USD 5 | Same day (within 2 hours) |
| Inward via Kookmin Bank (South Korea) > USD 5,000 | 0.10% | Same day (within 2 hours) |
The Kookmin Bank corridor is a genuine differentiator. FTB has a correspondent banking relationship with Kookmin Bank of South Korea that delivers inward remittances from Korea in under 2 hours for a flat USD 5 on amounts up to USD 5,000. For the approximately 55,000 Cambodians working in South Korea, and for Korean businesses operating in Cambodia, FTB’s Korea corridor is materially cheaper and faster than most alternatives. ABA Bank and Wing Bank do not offer this same day, flat-fee Korea arrangement. For remittance from other countries and corridors, the full comparison is in our Best Ways to Send Money to Cambodia 2026 →
FTB also supports domestic transfers via KHQR and Bakong. For outward international transfers from Cambodia, the full options — including ABA SWIFT, Wing Bank’s 50-country agent network, and digital alternatives — are covered in How to Send Money from Cambodia Internationally 2026 →
FTB Mobile App & Digital Banking
FTB Mobile is available on both Android and iOS. The app covers the core transactional banking functions: account balance and statement review, inter-account transfers, domestic payments, KHQR scanning for merchants, and QR cross-border payments within ASEAN. The bank also maintains a separate retail internet banking platform accessible via browser for customers who prefer desktop banking.
The honest assessment is that FTB Mobile is functional but not market-leading. ABA Mobile — which serves 8 million users and integrates ABA Pay’s 100,000+ KHQR merchant network — sets the benchmark that no other Cambodian bank app currently matches. FTB Mobile does not offer the same depth of in-app product management, investment features, or instant merchant discovery that ABA’s ecosystem provides.
That said, FTB Mobile adequately covers 80% of daily banking tasks for the typical FTB customer. If your banking relationship with FTB is primarily for payroll receipt, FD management, or tax service access — rather than daily retail payments — the app is sufficient. For a ranked assessment of all Cambodian mobile banking apps, see Best Mobile Banking Apps in Cambodia 2026 →
✅ FTB Digital Strengths
- Available on iOS and Android
- KHQR payments via mobile app
- QR cross-border scan (ASEAN)
- Free retail internet banking
- Tax payment accessible in-app & in-branch
- SWIFT CSP compliant — international security standard met
⚠ FTB Digital Limitations
- App feature depth below ABA Mobile
- No equivalent to ABA Pay’s 100K merchant network
- Less intuitive UX than market-leading apps
- In-app FD opening — confirm availability with FTB
- No documented real-time currency conversion feature
FTB vs ABA Bank vs ACLEDA Bank: Head-to-Head Comparison 2026
The three-way comparison below positions FTB against Cambodia’s top-rated bank (ABA, 9.1/10) and its closest peer in the full-service commercial banking category (ACLEDA, 8.6/10). MoneyKH awards ⭐ to the category leader in each dimension.
| Dimension | FTB Cambodia | ABA Bank ⭐ | ACLEDA Bank |
|---|---|---|---|
| MoneyKH Score | 6.8/10 | ⭐ 9.1/10 | 8.6/10 |
| Founded | ⭐ 1979 | 1996 | 1993 |
| Ownership type | ⭐ State-owned | Private (NBC subsidiary) | Private (CSX-listed) |
| USD savings rate | Contact FTB | ⭐ 4.5–5.0% | 3.5–4.5% |
| Monthly fee | ⭐ Free | ⭐ Free | ⭐ Free |
| Min savings balance | ⭐ None | ⭐ None | ⭐ None |
| Mobile banking quality | Good | ⭐ Excellent | Good |
| Branch network | ~30+ | 100+ | ⭐ 250+ |
| QR merchant network | KHQR standard | ⭐ 100,000+ (ABA Pay) | KHQR standard |
| GDT tax payment in-branch | ⭐ Yes | ❌ No | ❌ No |
| NSSF payment | ⭐ Yes | ❌ No | Yes |
| Payroll services | ⭐ Yes | Yes | ⭐ Yes |
| Korea inward remittance | ⭐ $5 flat, same day | Standard SWIFT | Standard SWIFT |
| SWIFT Code | FTCCKHPP | ABAAKHPP | ACLBKHPP |
| Best for | Govt employees, tax payers, Korea corridor | Daily banking, savings rate, digital | SME loans, rural access |
Opening an FTB Account: Cambodians & Foreigners
FTB accepts account applications from both Cambodian nationals and foreign residents. The documentation requirements differ by residency status, but the process for both groups runs through a physical branch visit — FTB does not currently offer a fully online account opening journey comparable to ABA’s digital onboarding.
For a full guide to opening a bank account in Cambodia — covering all major banks, required documents, and what expats should expect — see the How to Open a Bank Account in Cambodia 2026 guide →
FTB’s Unique Services: Tax Payment, NSSF & VIP Banking
Three services place FTB in a category of its own among Cambodian commercial banks, and each is worth understanding in detail if they apply to your situation.
1. GDT & GDCE Tax Payment at FTB Branches
FTB is the only commercial bank in Cambodia where customers can walk into any branch and pay their General Department of Taxation (GDT) obligations — including VAT, corporate income tax, and withholding tax — and their General Department of Customs and Excise of Cambodia (GDCE) duties, directly at the counter. This is a meaningful differentiator for business owners and accounting departments who prefer in-person confirmation of tax settlement over online portal transactions. The service is not available at ABA, ACLEDA, Canadia, or Maybank branches. For companies that pay tax quarterly or monthly and value having a single banking relationship that covers both transactional accounts and tax settlement, FTB’s positioning is logical.
2. NSSF Contribution Payment
FTB enables employers to pay National Social Security Fund (NSSF) contributions at all FTB branches. For businesses running payroll through FTB, this consolidates two mandatory business obligations — employee salary disbursement and NSSF compliance — into a single banking relationship. Businesses with payroll accounts at other banks can still use FTB branches for NSSF payments as a standalone service.
3. VIP Banking
FTB operates a VIP Banking programme for high-value depositors and business clients. The programme offers dedicated relationship management, priority service, and preferential terms on certain products. Thresholds and inclusions are not publicly disclosed — contact FTB Treasury at the main number (+855 23 862 111) for details. For high-net-worth Cambodian nationals who value the implicit government backing of FTB alongside personalized banking service, the VIP offering is worth a direct conversation.
The combination of payroll services, GDT tax payment, and NSSF contribution processing within one bank is FTB’s most compelling business case. If your company employs Cambodian staff, pays regular taxes, and wants to reduce the number of financial institutions involved in monthly compliance obligations, FTB earns serious consideration as a business banking relationship — even if ABA or ACLEDA remains your primary commercial bank.
FTB Cambodia FAQ — 10 Most-Asked Questions
MoneyKH Final Verdict: FTB Cambodia 2026
FTB Cambodia is a structurally unique institution in the Cambodian banking landscape. It is the country’s oldest bank, its only state-owned commercial bank, and the only licensed bank offering in-branch GDT and GDCE tax payment. Those are not minor distinctions — they are genuine differentiators that make FTB the logical banking partner for a specific set of customers.
For the broader market, the limitations are real. Savings rates lag behind ABA and Canadia. The mobile app is functional but not market-leading. The branch and ATM footprint is smaller than both ACLEDA and ABA. For these reasons, MoneyKH does not recommend FTB as a primary bank for expats, digital-native professionals, or depositors whose primary objective is rate maximisation.
The MoneyKH recommendation is the same three-bank strategy that applies across most Cambodian banking profiles: ABA for daily banking and savings, Canadia for 6-month+ fixed deposits, and Wing Bank for remittances and rural cash access. Add FTB to that stack if government payroll, tax services, or the Korea corridor matter to your specific situation.
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More MoneyKH: Cambodia Banking Guides
Banking Hub — All Reviews
- Best Banks in Cambodia 2026: ABA vs ACLEDA vs Canadia Compared →
- ABA Bank Review 2026: 9.1/10 — Cambodia’s Top-Rated Bank →
- ACLEDA Bank Review 2026: 8.6/10 — Cambodia’s Largest SME Lender →
- Canadia Bank Review 2026: Best Fixed Deposit Rates in Cambodia →
- Maybank Cambodia Review 2026: For ASEAN Professionals →
Rates, Accounts & How-To Guides
- Cambodia Savings Account Rates 2026: All Banks Compared →
- How to Open a Bank Account in Cambodia 2026 (Expat Guide) →
- Best Mobile Banking Apps in Cambodia 2026: Ranked & Reviewed →
Loans & Remittance
- Best Personal Loans in Cambodia 2026: All Lenders Compared →
- Cambodia Home Loan & Mortgage Guide 2026 →
- How to Send Money from Cambodia Internationally 2026 →
- Best Ways to Send Money to Cambodia 2026 →
All FTB Cambodia fees, transfer charges, and product details verified April 2026 via direct review of FTB official channels and direct inquiry. Savings and fixed deposit interest rates for personal accounts should be confirmed directly with FTB at +855 23 862 111 or at any FTB branch, as rates are subject to change without prior notice.
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.
