Last Updated: April 2026 ·
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By MoneyKH Research Team →
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Cambodia fixed deposit rates in 2026 range from approximately 4.75% p.a. (1-month, ABA Bank) to 6.75% p.a. (36-month, Canadia Bank) for USD commercial bank deposits, with microfinance institutions (MFIs) offering higher rates of 5.5–7%+ in exchange for a meaningfully different risk profile. The MoneyKH verdict is clear: for 1–3 month USD fixed deposits, ABA Bank leads or matches the market at competitive short-term rates with the benefit of mobile account opening and an NBC-regulated full commercial bank licence. For 6-month and longer FDs, Canadia Bank leads all commercial banks by approximately 0.25–0.5 percentage points and is MoneyKH’s recommended FD institution. MFI fixed deposits at LOLC Cambodia and KB Prasac offer higher yields but carry a categorically different risk profile that depositors must evaluate independently. All FD interest in Cambodia is subject to a 6% withholding tax for residents and 14% for non-residents under Cambodian law — verified April 2026.
Cambodia Fixed Deposit Rates 2026: Every Major Bank & MFI Compared
Where should you lock your dollars for the highest guaranteed return in Cambodia? MoneyKH has verified rates at every major commercial bank and leading MFI so you don’t have to visit 10 branches.
- ✅ Commercial bank FD rates compared: ABA, Canadia, ACLEDA, Wing, Maybank, FTB
- ✅ MFI rates covered: LOLC, KB Prasac, Hattha, AMK, Amret — with risk caveats
- ✅ Withholding tax explained for residents & non-residents
- ✅ Monthly payout vs maturity payout — which earns more
- ✅ The MoneyKH FD strategy: when to use which institution
- ✅ How to open an FD online (ABA) or in-branch
MoneyKH Quick Reference — Cambodia Fixed Deposit Rates 2026
In this guide:
Why Fixed Deposits Are Cambodia’s Highest-Return Safe Savings Tool
Cambodia’s financial system is almost entirely dollarised. Approximately 85% of all bank deposits and loans are denominated in USD, with Cambodian Riel (KHR) playing a supporting role primarily for small transactions and government obligations. For depositors, this means the relevant question is almost always: what is the best USD fixed deposit rate in Cambodia?
Fixed deposits (FDs) — also called term deposits or time deposits — offer a guaranteed, fixed interest rate in exchange for committing your money for a set period ranging from one month to five years or more. Unlike the daily-access savings account covered in our Cambodia Savings Account Rates 2026 guide →, an FD is locked. Withdrawing early typically results in forfeiting much or all of your interest.
The FD market in Cambodia is two-tiered. Commercial banks — ABA, Canadia, ACLEDA, Wing, Maybank, and FTB — offer lower FD rates but come with full commercial banking licences, NBC regulation, and CDGC deposit protection coverage. Microfinance institutions (MFIs) — LOLC Cambodia, KB Prasac, Hattha Bank, AMK, Amret — have historically offered 1–3 percentage points higher than commercial banks on comparable USD FD terms. The premium exists because MFIs carry a categorically different risk profile, have different regulatory standing, and access capital markets differently. MoneyKH’s position on this is consistent and firm: MFI rates are shown for reference only. We never recommend MFIs as primary savings vehicles.
FD rates in Cambodia have moved materially in recent years. Some institutions have cut USD FD rates by 1–3 percentage points since 2023. MoneyKH verifies rates quarterly. Always confirm the current rate directly with the bank before opening an FD. Rates shown below reflect MoneyKH’s April 2026 verification and are subject to change without notice.
Quick Verdict: The Best FD in Cambodia Depends on One Question
MoneyKH’s FD recommendation framework is simple. The single most important variable is your investment term. Match it to the right institution:
Cambodia Commercial Bank Fixed Deposit Rates 2026: Full Comparison
The table below compares USD fixed deposit rates for commercial banks — those operating under a full commercial banking licence from the National Bank of Cambodia, with depositor funds protected under the Credit Guarantee Corporation of Cambodia (CGCC) framework. All rates are approximate and were verified by MoneyKH in April 2026 via direct review of official bank channels and direct inquiry. Rates marked “Contact bank” reflect institutions that do not publicly list precise rate tables and where current rates should be confirmed by calling the bank or visiting a branch. ⭐ marks the rate leader for each term.
| Bank | 1 Month | 3 Months | 6 Months | 12 Months | 24 Months | 36 Months | Min. Deposit |
|---|---|---|---|---|---|---|---|
| Canadia Bank ⭐ MoneyKH FD Pick |
~4.50% | ~5.25% | ⭐ ~5.75% | ⭐ ~6.25% | ⭐ ~6.50% | ⭐ ~6.75% | Contact bank |
| ABA Bank Short-term & digital |
⭐ ~4.75% | ⭐ ~5.25% | ~5.50% | ~5.75–6.00% | Contact ABA | Contact ABA | Contact ABA |
| ACLEDA Bank | Contact bank | Contact bank | Contact bank | ~4.50–5.00% | Contact bank | Contact bank | Contact bank |
| Wing Bank | Contact bank | Contact bank | Contact bank | ~3.00–4.50%* | Contact bank | Contact bank | Contact bank |
| Maybank Cambodia | Contact bank | Contact bank | Contact bank | Contact bank | Contact bank | Contact bank | Contact bank |
| FTB Cambodia | Contact bank | Contact bank | Contact bank | Contact bank | Contact bank | Contact bank | USD 1,000 |
* Wing Bank has made significant rate cuts since 2023. Contact Wing directly for current FD rates. Approximate ABA and Canadia rates verified April 2026 via direct inquiry. All other rates: contact individual banks. Withholding tax of 6% (resident) / 14% (non-resident) applies to all FD interest at all institutions above. All rates shown are gross before withholding tax.
ABA Bank Fixed Deposits 2026: The Best Short-Term & Digital Option
ABA Bank (MoneyKH score: 9.1/10) leads the Cambodian banking market on daily banking, savings rates, and digital experience. On fixed deposits specifically, ABA’s short-term rates (1–3 months) are competitive — matching or slightly exceeding Canadia’s equivalent short-term offerings. For longer terms (6 months and above), Canadia leads by approximately 0.25–0.5 percentage points.
ABA’s standout FD advantage is its mobile FD opening. Existing ABA customers can open a Fixed Deposit directly in the ABA Mobile app with a tenor of 1 to 60 months — no branch visit, no paperwork, available at any time of day. For depositors who prioritise convenience alongside rate, this is a genuine differentiator. ABA also offers a free Visa Credit Card for FD balances of USD 3,000 or more (terms apply).
✅ ABA FD Strengths
- Open FD in minutes via ABA Mobile app
- Flexible: 1 to 60-month tenors available
- Leading short-term (1–3 month) rates
- Choice of monthly payout or payout at maturity
- Free credit card for USD 3,000+ FD balance
- Full NBC commercial banking licence + CDGC coverage
- Foreigners can open FD with passport + valid visa
⚠ ABA FD Limitations
- 6m+ rates trail Canadia by ~0.25–0.50%
- Best long-term FD rates require branch visit for some tenors
- Early withdrawal forfeits interest (standard across all banks)
- Not the right choice for long-term capital maximisation
Full ABA Bank product details, fees, SWIFT code, and complete review: ABA Bank Review 2026 (9.1/10) →
Canadia Bank Fixed Deposits 2026: Cambodia’s Best FD Rates at 6 Months+
Canadia Bank (MoneyKH score: 8.0/10) is the undisputed choice for fixed deposits of six months and above in Cambodia’s commercial banking sector. Canadia consistently leads ABA by approximately 0.25 percentage points on comparable USD FD terms from the 6-month tenor onwards, and the gap widens further at 24 and 36-month terms. The MoneyKH recommended FD strategy — ABA for short-term liquidity, Canadia for long-term capital — has been stable throughout 2025 and into 2026.
| Canadia Bank FD Term | USD Rate (approx.) | vs ABA Rate | MoneyKH Recommendation |
|---|---|---|---|
| 1 Month | ~4.50% | ABA ~0.25% higher | Use ABA Mobile |
| 3 Months | ~5.25% | Comparable | Either bank |
| 6 Months | ⭐ ~5.75% | Canadia leads ~0.25% | Use Canadia |
| 12 Months | ⭐ ~6.25% | Canadia leads ~0.25–0.50% | Use Canadia |
| 24 Months | ⭐ ~6.50% | Canadia leads clearly | Use Canadia |
| 36 Months | ⭐ ~6.75% | Canadia leads clearly | Use Canadia |
Canadia Bank was founded in 1991 and is Cambodia’s largest locally owned commercial bank by deposit base. Unlike ABA — which is majority-owned by National Bank of Canada — Canadia is Cambodian-owned, which matters for some depositors who prefer domestic ownership. Both are fully NBC-regulated with equivalent CDGC deposit protection. The practical advantage of both Canadia and ABA is that transfers between them via Bakong are instant and free, making the split-banking strategy frictionless to execute.
Canadia FDs are available online via the Canadia Mobile Banking app (for existing customers opening a new FD) as well as in-branch at all Canadia locations. The minimum FD amount and current prevailing rate should be confirmed directly with Canadia at (+855) 23 868 222 before committing. Interest withholding at 6% (resident) or 14% (non-resident) applies.
Full review including branch network, savings rates, SWIFT code, and complete verdict: Canadia Bank Review 2026 (8.0/10) →
ACLEDA, Wing & Other Commercial Bank FD Rates
ACLEDA Bank
ACLEDA Bank (MoneyKH score: 8.6/10) is Cambodia’s largest bank by branch network (250+ branches) and the dominant SME lender. For fixed deposits, ACLEDA is positioned in the mid-range of commercial banks — historically offering USD 12-month FD rates around 4.50–5.00% p.a. before rate cuts in 2024. ACLEDA’s FD rates have been subject to revisions; contact ACLEDA directly at any branch or via SWIFT code ACLBKHPP for current rates. ACLEDA’s FD product is most relevant for depositors who already hold their primary business account with ACLEDA and want to consolidate their fixed savings in the same institution. For pure rate maximisation among commercial banks, Canadia leads.
ACLEDA Bank Review 2026 (8.6/10) →
Wing Bank
Wing Bank (MoneyKH score: 8.2/10) gained its full commercial banking licence in 2022, having previously operated as a payment service provider since 2009. Wing’s FD rates were competitive during its promotional post-licence phase, but Wing has made material rate cuts since 2023. In the period from 2023–2025, Wing reduced USD FD rates for 1- and 2-year terms by over 3 percentage points. Current Wing FD rates should be verified directly. Wing’s core value proposition is its 9,000+ agent network, 50-country remittance capability, and its AliPay+ / WeChat Pay integration — not fixed deposit yield maximisation.
Wing Bank Review 2026 (8.2/10) →
MFI Fixed Deposit Rates 2026: Higher Yields, Different Risk Profile
⚠ Mandatory MoneyKH Risk Caveat — Read Before Continuing
Microfinance institutions (MFIs) and former MFIs operating as banks in Cambodia offer higher USD FD rates than commercial banks. This premium is not free — it reflects a different institutional risk profile. MFIs are not regulated under the same framework as full commercial banks, their ownership structures are different, and their balance sheets are concentrated on loan portfolios with different collateral and geographic profiles. MoneyKH’s position: MFI FD rates are shown for informational purposes only. MoneyKH does not recommend MFIs as primary savings vehicles, particularly for depositors’ core savings or emergency funds. If you choose to deposit with an MFI, limit exposure, diversify across institutions, and understand that CDGC protection may not apply equally. Verify directly with the institution and the National Bank of Cambodia before depositing.
With that caveat firmly stated, here is a factual reference of the institutions that have historically offered the highest FD rates in Cambodia for USD deposits.
| Institution | Type | 12M USD Rate (approx.) | Notable | Risk Category |
|---|---|---|---|---|
| LOLC Cambodia | Deposit-taking MFI | ~5.50%* | Sri Lankan parent (LOLC Group) | ⚠ MFI Risk |
| KB Prasac | Bank (ex-MFI) | ~5.25%* | Korean-owned (KB Financial Group) | ⚠ Ex-MFI, now bank |
| Hattha Bank | Bank (ex-MFI) | Contact bank* | Thai-linked (Bank of Ayudhya) | ⚠ Ex-MFI, now bank |
| AMK (Angkor Mikroheranhvatho) | Deposit-taking MFI | ~5.50%* | Strong rural presence | ⚠ MFI Risk |
| Amret | Deposit-taking MFI | ~5.50–6.65%* | Notable 3-year rate | ⚠ MFI Risk |
* Rates sourced from February 2025 market data. MFI rates change frequently and may have moved materially since. Verify directly with each institution. Past rates do not guarantee current rates.
For detailed information on MFIs operating in Cambodia — including LOLC, Prasac, and AMK — and the important distinctions in their risk profile versus commercial banks, see the Microfinance Loans Cambodia 2026 guide →
Withholding Tax on Fixed Deposit Interest in Cambodia
All interest earned on fixed deposits in Cambodia is subject to Cambodian withholding tax. The rate depends on your tax residency status — not your nationality. Withholding tax is automatically deducted by the bank at the time interest is paid; you receive the net amount. It is not optional.
6%
Resident Taxpayers
Cambodians and foreigners who have lived in Cambodia for 182+ days in the tax year. Standard WHT deducted from all FD interest at payout.
14%
Non-Resident Taxpayers
Expats who spend fewer than 182 days per year in Cambodia. The 14% rate applies to ALL FD interest — both savings and fixed deposits — per NBC and GDT guidance.
What You Actually Earn After Withholding Tax
The table below shows the net USD yield on a USD 10,000 Canadia Bank 12-month FD at ~6.25% gross, after withholding tax. The gross-to-net difference is significant, especially for non-resident expats.
| Depositor Type | Gross Interest (USD 10,000 × 6.25%) | WHT Deducted | Net Interest Received | Effective Net Rate |
|---|---|---|---|---|
| Resident (6% WHT) | USD 625 | USD 37.50 | USD 587.50 | 5.875% |
| Non-Resident (14% WHT) | USD 625 | USD 87.50 | USD 537.50 | 5.375% |
Example only. Based on approximate Canadia Bank 12-month USD FD rate of ~6.25% p.a. verified April 2026. Your actual rate may differ — confirm with Canadia directly.
The MoneyKH Fixed Deposit Strategy: ABA + Canadia = 95% of the Optimal Answer
MoneyKH’s core banking recommendation is a two-bank structure for Cambodian savers and residents at any income level:
The MoneyKH Two-Bank FD Strategy
BUCKET 1: Daily & Short-Term
ABA Bank
Savings + 1–3 Month FDs
- Keep 3–6 months’ living expenses here
- Earn 4.5–5.0% on liquid savings balance
- Open short FDs via ABA Mobile in minutes
- Use ABA Pay for daily merchant payments
BUCKET 2: Long-Term Capital
Canadia Bank
6-Month to 36-Month FDs
- Lock capital you don’t need for 6+ months
- Earn 5.75–6.75% p.a. on fixed terms
- Transfer via Bakong from ABA — instant, free
- Best long-term commercial bank rate in Cambodia
Combined with Wing Bank for remittances and rural cash, these three institutions cover 95%+ of Cambodian banking needs at zero combined monthly cost. Neither ABA nor Canadia charges monthly account fees or requires minimum balances on savings accounts.
The practical execution is straightforward. Maintain your primary transactional and savings account at ABA. When your ABA savings balance exceeds 3–6 months of living expenses, transfer the surplus to Canadia Bank via Bakong (instant, free, available in both mobile apps) and open a Canadia FD at the term that suits your horizon. At maturity, roll the FD or transfer back to ABA via Bakong if you need liquidity.
This strategy does not require visiting LOLC, KB Prasac, or any MFI, does not expose your core savings to a higher-risk institution, and still captures the best available commercial bank FD rates in Cambodia’s market. The incremental rate from MFIs above Canadia ranges roughly 0.5–1.5 percentage points — in most cases not sufficient to justify the structural risk difference for the majority of personal savings.
How to Open a Fixed Deposit in Cambodia
There are two methods: in-branch (required for first-time customers and all non-digital institutions) or via mobile app (available for existing customers at ABA and Canadia). For a full guide to opening any bank account in Cambodia, including documentation requirements for Cambodians and foreigners, see the How to Open a Bank Account in Cambodia 2026 guide →
Never open an FD with money you might need before the maturity date. Early withdrawal typically earns only the savings account rate — you lose the entire interest premium you locked in. If in doubt, split the amount: open a shorter-term FD with the portion you might need access to, and a longer-term FD with the capital you can commit. ABA’s mobile FD makes this especially easy to manage across multiple terms within one account.
Cambodia Fixed Deposit FAQ — 10 Questions Answered
MoneyKH Rate Alert
Cambodia FD rates change without warning. Be the first to know.
MoneyKH subscribers get an alert every time ABA, Canadia, or any major institution moves its fixed deposit or savings rate.
More MoneyKH: Savings & Banking Guides
Savings Rate Comparisons
- Cambodia Savings Account Rates 2026: Every Bank Compared →
- Best Banks in Cambodia 2026: ABA vs ACLEDA vs Canadia →
Individual Bank Reviews
- Canadia Bank Review 2026: Best FD Rates in Cambodia — 8.0/10 →
- ABA Bank Review 2026: Cambodia’s Top-Rated Bank — 9.1/10 →
- ACLEDA Bank Review 2026: 250+ Branches, 8.6/10 →
- Wing Bank Review 2026: Remittance Leader — 8.2/10 →
- Maybank Cambodia Review 2026: For ASEAN Professionals →
Banking Basics & Payments
- How to Open a Bank Account in Cambodia 2026 →
- Bakong Payment System: Cambodia’s Complete Guide 2026 →
- Best Mobile Banking Apps in Cambodia 2026: Ranked & Reviewed →
- Microfinance Institutions in Cambodia: Prasac, LOLC & AMK Guide →
ABA Bank and Canadia Bank FD rates verified April 2026 via direct review of official bank channels and direct inquiry. ACLEDA, Wing, Maybank, and FTB rates: contact individual institutions directly as current rates were not publicly available for precise verification. MFI rates approximate as of Q1 2025 data; verify directly with each MFI before depositing. All rates are gross before withholding tax. Withholding tax information based on General Department of Taxation guidance as of April 2026. All rates are subject to change at any institution 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.
