Last Updated: April 2026  · 
Editorial Policy
 ·  By MoneyKH Research Team

🇰🇭 MoneyKH Independence Pledge:
We receive no referral fees from any bank or ATM network operator reviewed in this article. Rankings cannot be purchased. Platform funded by display advertising only.
Full disclaimer →

NO REFERRAL FEES · EVER

ATM fees in Cambodia 2026: ATM withdrawals at your own bank’s ATM network are free at most major Cambodian banks. The fees start when you withdraw at another bank’s ATM — typically $1–$5 per transaction — or when you use a foreign card at a Cambodian ATM, where the local bank charges a flat fee of $4–$6 on top of whatever your home bank charges. ABA Bank has the largest free ATM network in Cambodia with 700+ machines, making it the clear choice for minimising ATM costs. This guide covers every major bank’s fee structure, the foreign card situation, the locations where ATM access is limited, and when it makes more sense to use QR payments or digital transfers instead of withdrawing cash at all.

🇰🇭 ATM Fees · ABA · ACLEDA · Canadia · Wing · Cambodia · Expat Guide · 2026

ATM Fees Cambodia 2026 — Bank-by-Bank Fee Guide for Residents, Expats & Tourists

Cambodia is a heavily cash economy outside major urban centres — many markets, rural businesses, and smaller provincial towns still operate primarily in physical KHR and USD. Knowing which ATM to use, and what it costs, is practical financial literacy for anyone living or travelling in Cambodia. This is the guide MoneyKH wishes existed when we started banking here.

⚡ Jump to Section:

• Fee Summary — All Banks at a Glance →
• ABA Bank ATMs →
• ACLEDA Bank ATMs →
• Canadia Bank ATMs →
• Wing Bank Cash-Out →
• Foreign Cards in Cambodia →
• Withdrawal Limits →
• When to Avoid ATMs Entirely →
• ATM Access Outside Phnom Penh →
• FAQ →

ATM Fee Summary — All Major Banks at a Glance

MoneyKH note: Fees listed are as of April 2026 and are subject to change. Always check the ATM screen before confirming a transaction — the fee is displayed before you complete the withdrawal and you can cancel without charge. ATM counts are approximate and shift as banks expand or consolidate their networks.

ABA Bank ATMs — The Free Network Benchmark

ABA Bank operates Cambodia’s largest ATM network with 700+ machines across the country. For ABA account holders, every withdrawal at an ABA ATM is free — no transaction fee, no monthly withdrawal cap that triggers fees, no minimum withdrawal amount.

ABA ATM key facts:

• Own-network withdrawals: Free, unlimited
• Currencies dispensed: USD and KHR — ABA ATMs are one of the few in Cambodia that dispense both currencies from the same machine, with denominations selectable during the transaction
• Foreign card fee: $5 flat per transaction — charged by ABA to the foreign cardholder, regardless of withdrawal amount. Your home bank may charge additional fees on top of this.
• Daily withdrawal limit: Typically $2,000–$3,000 per day for ABA account holders — verify your specific card limit in the ABA Mobile app or by contacting ABA
• ATM locations: ABA ATMs are concentrated in Phnom Penh (particularly BKK1, Daun Penh, Chamkarmon), Siem Reap, Sihanoukville, and major provincial capitals. The ABA Mobile app includes an ATM locator for finding the nearest machine.
• 24-hour availability: Most ABA ATMs are accessible 24 hours — standalone kiosks and in-branch ATMs generally operate round the clock

The MoneyKH verdict on ABA ATMs: For Cambodian residents who bank with ABA, the free 700+ ATM network is a meaningful practical advantage over competitors. For expats or tourists using a foreign card, the $5 fee is steep on small withdrawals — maximise each transaction by withdrawing the largest practical amount to minimise the per-dollar cost of the fee.

For full detail on ABA Bank’s account types, savings rates, and app features, see our ABA Bank review 2026.

ACLEDA Bank ATMs

ACLEDA Bank operates 500+ ATMs across Cambodia with the deepest provincial reach of any commercial bank. ACLEDA’s branch and ATM network covers every province — a meaningful practical advantage for residents and business owners in smaller towns and rural areas where ABA’s network thins out.

ACLEDA ATM key facts:

• Own-network withdrawals: Free for ACLEDA account holders
• Currencies dispensed: USD primarily; KHR available at selected machines
• Foreign card fee: $4–$5 flat per transaction
• Daily withdrawal limit: Varies by account type — typically $1,000–$2,000 for standard accounts
• Provincial advantage: ACLEDA operates ATMs in districts where ABA has no presence — for anyone conducting business in rural Cambodia, ACLEDA’s network coverage is a practical reason to maintain an ACLEDA account alongside a primary urban bank account
• ATM locations: Every provincial capital, plus many district towns. ACLEDA’s branch density outside Phnom Penh is unmatched among commercial banks.

The MoneyKH verdict on ACLEDA ATMs: ACLEDA is not the best ATM choice for urban Phnom Penh daily use — ABA’s network density in the capital is greater. ACLEDA becomes the practical best option in provincial towns where ABA ATMs are absent. Many Cambodians who travel or do business outside major cities maintain both an ABA account for urban use and an ACLEDA account for provincial cash access.

For ACLEDA’s full product range including SME loans and savings rates, see our ACLEDA Bank review 2026.

Canadia Bank ATMs

Canadia Bank operates 200+ ATMs concentrated primarily in Phnom Penh and major urban centres. Canadia is not a first-choice bank for ATM access — its network is smaller than ABA or ACLEDA — but its machines are well-maintained, reliably stocked, and located at convenient urban points including major shopping centres and business districts.

Canadia ATM key facts:

• Own-network withdrawals: Free for Canadia account holders
• Currencies dispensed: USD primarily
• Foreign card fee: $5 flat per transaction
• Daily withdrawal limit: Typically $1,000–$2,000
• Best locations: Phnom Penh CBD, Aeon Mall locations, Siem Reap town centre

The MoneyKH verdict on Canadia ATMs: Use Canadia ATMs if you bank with Canadia and the machine is conveniently located. Do not choose Canadia as your primary bank for ATM access — the network is too small to guarantee coverage when you need it. Canadia’s strength is its fixed deposit rates and institutional reputation, not its ATM reach. For Canadia’s savings products, see our Canadia Bank review 2026.

Wing Bank — Agent Cash-Out Instead of ATMs

Wing Bank operates differently from traditional ATM-based banks. Rather than a machine network, Wing uses a 9,000+ agent network of physical locations — Wing-branded counters at shops, pharmacies, and service points across Cambodia — where Wing customers can deposit and withdraw cash directly from their Wing account.

Wing cash-out key facts:

• Agent cash-out fee: Free for Wing-to-cash withdrawals up to specified daily limits; small fees may apply above threshold amounts — check current Wing fee schedule in the Wing app
• Currencies: KHR and USD — Wing agents handle both currencies
• Rural reach: Wing’s agent network extends to villages and district towns that no ATM network serves. For cash access in deep rural Cambodia, Wing agents are often the only digital-to-cash option available.
• No ATM card required: Wing cash-out is conducted via the Wing app — the agent scans a code or verifies a transaction reference. No physical card is needed.
• Agent locator: The Wing app includes an agent locator showing the nearest cash-out point

The MoneyKH verdict on Wing cash-out: Wing’s agent network is not a substitute for a bank ATM card in urban Cambodia — the process is slower and depends on agent availability and float. In rural and provincial areas, Wing agents are frequently the best or only option for digital-to-cash conversion. The combination of an ABA or ACLEDA account for urban ATM use and a Wing account for provincial cash-out is a practical setup for Cambodians who move between urban and rural settings. For Wing’s full feature set including remittance, see our Wing Bank review 2026.

Foreign Cards in Cambodia — What Tourists and New Expats Pay

This section is specifically for people using a non-Cambodian bank card — a Visa or Mastercard issued by a bank in Australia, the UK, the US, Europe, or elsewhere — at Cambodian ATMs. The fee structure has two layers, and both matter.

Layer 1 — The Cambodian bank’s fee:
Every Cambodian bank charges a flat fee to foreign cards withdrawing from their ATMs. This is the fee shown on the ATM screen before you confirm. It ranges from $4–$6 depending on the bank. It is non-negotiable and applies regardless of the amount you withdraw.

Layer 2 — Your home bank’s fees:
On top of the Cambodian bank’s fee, your home bank will typically apply its own international ATM withdrawal fee (often $3–$5 or a percentage) plus a foreign currency conversion markup (typically 2%–3.5% on the exchange rate used). These fees do not appear on the Cambodian ATM screen — they appear on your home bank statement.

Total cost example — withdrawing $300 from an ABA ATM on a UK debit card:

How to minimise foreign card ATM costs in Cambodia:

• Withdraw the maximum practical amount each time. The Cambodian bank’s flat fee is fixed regardless of amount — withdrawing $500 instead of $100 cuts the fee-per-dollar dramatically. Most Cambodian ATMs allow up to $500–$1,000 per transaction for foreign cards.
• Use a low-FX-fee home bank card. Cards from banks like Wise, Revolut, or Charles Schwab (US) charge minimal or zero foreign ATM and conversion fees. If you are an expat planning to stay in Cambodia, switching your primary card to a low-fee option before arrival saves significant money over time.
• Choose ABA or ACLEDA ATMs over standalone ATMs. Independent ATM operators in tourist areas (often unbranded machines in airports, shopping centres, and tourist strips) frequently charge higher fees than bank ATMs — sometimes $6–$8 per transaction. Always use a named bank ATM where possible.
• Always select “withdraw in USD” when offered a choice. Some Cambodian ATMs offer Dynamic Currency Conversion — the option to process your withdrawal in your home currency rather than USD. Always decline this. The exchange rate applied by the ATM operator’s DCC service is invariably worse than your home bank’s rate. Withdraw in USD and let your own bank convert.
• Open a Cambodian bank account if staying more than a month. The economics of foreign card ATM fees make a local account worthwhile quickly for expats and longer-stay visitors. See our guide to opening a bank account in Cambodia for the process and documentation required.

Withdrawal Limits — What You Can Take Out Per Transaction and Per Day

Note: Limits vary by individual account type, card tier, and machine configuration. Business accounts typically have higher limits than personal accounts. Contact your bank directly or check your account settings in the bank’s mobile app for your specific limits. Limits can often be temporarily increased for specific needs by contacting the bank — useful if you need to access a large cash amount for property transactions or business purposes.

When to Avoid ATMs Entirely — The QR and Transfer Alternative

Cambodia in 2026 has a highly developed digital payment infrastructure, and for urban residents, ATM withdrawals are increasingly unnecessary for everyday spending. Before queuing at an ATM, consider whether a digital payment is more practical.

Situations where a digital payment beats an ATM withdrawal:

• Paying at any urban merchant with a QR code: Restaurants, cafés, supermarkets, pharmacies, petrol stations, and most formal retail outlets in Phnom Penh, Siem Reap, and Sihanoukville accept QR payments. Paying with ABA Pay or any KHQR-compatible wallet is instant, free for the consumer, and eliminates the need for physical cash at these merchants. See our guide to how KHQR payments work.
• Sending money to family or colleagues: Bank-to-bank transfers via the Bakong infrastructure, Wing transfers, or ABA-to-ABA transfers are instant and free or very low cost. There is no reason to withdraw cash and physically hand it over for transfers between people who both have Cambodian bank accounts or digital wallets.
• Paying bills: Electricity, water, internet, and many government services can be paid directly from ABA Mobile, ACLEDA Unity, or Wing — no cash required.
• Online purchases: Growing numbers of Cambodian e-commerce platforms accept direct bank payment or wallet payment. Using a QR payment for online checkout avoids both ATM fees and the security risk of carrying cash.

Situations where cash and ATMs remain necessary:

• Markets, street food vendors, and informal businesses that do not accept digital payments
• Rural and provincial areas where QR payment acceptance is limited
• Tuk-tuk and moto drivers who prefer or require cash (though acceptance is growing)
• Large property or vehicle transactions where cash or bank cheque is the convention
• Areas with poor mobile data coverage where QR payments cannot complete

For a full picture of Cambodia’s digital payment ecosystem — including which wallets work where — see our best digital wallets in Cambodia guide and our overview of Cambodia’s fintech landscape in 2026.

ATM Access Outside Phnom Penh — The Provincial Reality

ATM coverage falls off sharply once you leave Cambodia’s major urban centres. This matters for expats travelling outside the capital, Cambodians returning to home provinces, and business owners with operations in rural areas.

Practical advice for travel outside major cities: Withdraw sufficient cash before leaving Phnom Penh or Siem Reap. Assume ATM access becomes unreliable once you are more than an hour from a provincial capital. If you use Wing Bank, the agent network provides the deepest rural cash access of any institution — use the Wing app’s agent locator before departure to identify cash-out points along your route.

For Cambodians working in Phnom Penh who send money to family in rural provinces, digital remittance via Wing Bank is generally more practical than withdrawing cash and physically transporting it — family members can cash out at a Wing agent in their town. For international money transfers to and from Cambodia, see our best ways to send money to Cambodia guide.

Frequently Asked Questions — ATM Fees in Cambodia 2026

Which bank has the cheapest ATM fees in Cambodia?
ABA Bank is the cheapest for account holders — own-network withdrawals are free, and the 700+ ATM network means you will almost always find an ABA machine in urban and suburban Cambodia. For residents banking with ABA, ATM fees are effectively zero for normal usage. ACLEDA is comparable within its own network and is the better choice for provincial towns where ABA ATMs are absent.

How much does it cost to use a foreign card at a Cambodian ATM?
Expect to pay $4–$6 from the local Cambodian bank as a flat fee per withdrawal, plus whatever your home bank charges for international ATM use (typically $2–$5 or a percentage) plus a foreign currency conversion markup of 2%–3.5%. On a $200 withdrawal, total fees can easily reach $15–$20. Minimise this by withdrawing the maximum practical amount per visit, using a low-fee international card, and opening a Cambodian bank account if you are staying longer than a month.

Can I withdraw Cambodian riel from ATMs?
Yes, but selectively. ABA Bank ATMs are the most widely available machines that dispense both USD and KHR. ACLEDA dispenses KHR at some machines. Most other bank ATMs dispense USD only. If you specifically need KHR cash — for markets, rural travel, or smaller merchants — look for an ABA ATM and select KHR during the transaction. Note that KHR notes dispensed are typically in 50,000 and 100,000 denominations.

What should I do if an ATM eats my card or the transaction fails?
If the ATM retains your card, contact the ATM operator’s bank immediately — call their customer service number displayed on the machine. Do not leave the ATM until you have noted the machine ID, location, and time of the incident. For your own bank’s card, call your bank’s 24-hour hotline and request a temporary card freeze while the situation is resolved. For ABA, the ABA Mobile app allows you to freeze your card instantly while you resolve the issue.

Are there ATM fees for transfers between different Cambodian banks?
ATM withdrawals from another bank’s machine (not your own) typically incur a $1–$3 fee charged by the ATM’s bank, displayed on screen before you confirm. This is separate from bank-to-bank transfer fees within mobile apps — most Cambodian bank apps allow free or low-cost interbank transfers via the Bakong infrastructure, which is generally a better option than withdrawing from another bank’s ATM. See our Bakong guide for how interbank transfers work.

Is it safe to use ATMs in Cambodia?
ATM safety in Cambodia is comparable to other Southeast Asian countries. The main risks are card skimming — a device attached to the card reader to capture card data — and distraction theft in crowded areas. Practical precautions: use ATMs at bank branches rather than standalone kiosks in high-traffic tourist areas, cover the keypad when entering your PIN, check the card reader for anything that looks loose or attached, and check your account balance via your bank’s app after each ATM use to catch any unauthorised transactions quickly.

Do I need a Cambodian bank account to use ATMs here?
No. Any international Visa or Mastercard can be used at Cambodian ATMs — you pay the foreign card fees described above. For stays of more than a few weeks, opening a Cambodian bank account eliminates ATM fees and provides access to Cambodia’s digital payment ecosystem. See our guide to opening a bank account in Cambodia for the full process.

What is the maximum I can withdraw from a Cambodian ATM in one day?
Daily limits vary by bank, account type, and card tier. ABA account holders can typically withdraw $2,000–$3,000 per day across all transactions. ACLEDA and Canadia limits are generally $1,000–$2,000. Foreign cards may face lower per-transaction limits of $500–$800 set by the local ATM operator, regardless of what your home bank allows. Contact your bank to check and increase your specific limit if needed. For large cash needs — property transactions, business purposes — discuss with your bank in advance, as temporary limit increases are often possible.

MoneyKH · Cambodia Personal Finance Authority Platform
Article 30 · Bank Accounts Category · April 2026
Editorial independence policy → · About MoneyKH →

MoneyKH Research Team

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.