Last Updated: April 2026  · 
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 ·  By MoneyKH Research Team

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How to transfer money between Cambodian banks for free in 2026: Transferring money between different Cambodian banks — for example, from an ABA account to an ACLEDA account, or from a Wing Bank account to a Canadia Bank account — is free or very low cost in 2026 through Cambodia’s Bakong payment infrastructure. The NBC’s Bakong system enables real-time interbank transfers between any two accounts at participating Cambodian banks at zero or minimal cost, directly from each bank’s mobile app. This guide explains every method available — Bakong, FAST transfers, QR-based transfers, and the older interbank transfer routes — with step-by-step instructions for each and a clear breakdown of which methods are free, which charge fees, and which are fastest.

🇰🇭 Bakong · Interbank Transfer · Free · ABA · ACLEDA · Wing · Cambodia · 2026

Transfer Money Between Cambodian Banks 2026 — Free Methods, Step-by-Step & What Each Costs

A few years ago, sending money from one Cambodian bank to another involved fees, delays, and sometimes a branch visit. In 2026, Cambodia’s interbank transfer infrastructure has caught up — and in some ways surpassed — what is available in older financial markets. Real-time, free interbank transfers are now the norm, not the exception. Here is the complete guide.

⚡ Jump to Section:

• Transfer Methods — Summary at a Glance →
• Method 1: Bakong Interbank Transfer (Free, Instant) →
• Method 2: FAST Transfer System →
• Method 3: KHQR Personal Transfer →
• Sending from ABA to Another Bank →
• Sending from ACLEDA to Another Bank →
• Sending from Wing Bank to Another Bank →
• Transfer Limits →
• International Transfers — What’s Different →
• FAQ →

Transfer Methods — Summary at a Glance

MoneyKH recommendation for most transfers: Use Bakong through your bank’s mobile app. It is free, instant, available 24/7, and requires nothing more than the recipient’s phone number or bank account number. Everything else is a fallback for specific situations where Bakong is not available or the transfer amount exceeds in-app limits.

Method 1: Bakong Interbank Transfer — Free & Instant

Cambodia’s Bakong system, operated by the National Bank of Cambodia, is the infrastructure that makes free interbank transfers possible. Bakong is a blockchain-based national payment platform that allows any two account holders at different participating Cambodian banks to transfer money to each other instantly, at zero or near-zero cost, 24 hours a day.

You do not need to use the Bakong app directly. Bakong is the infrastructure running underneath your regular bank app — when you use ABA Mobile, ACLEDA Unity, or Wing Bank to send money to someone at a different bank, Bakong is handling the interbank settlement in the background. The transfer appears in your bank’s standard interface — you are using Bakong without needing to know the technical details.

How to make a Bakong interbank transfer — step by step:

1. Open your bank’s mobile app. This works from ABA Mobile, ACLEDA Unity, Wing Bank, Canadia Bank, and all other major Cambodian bank apps.
2. Select “Transfer” or “Send Money.” Within the transfer section, look for “Other Bank,” “Interbank Transfer,” or “Bakong Transfer” — the exact label varies by bank but the function is the same.
3. Choose the recipient’s bank. Select the recipient’s bank from the list of participating institutions. All NBC-licensed banks are participants.
4. Enter the recipient’s details. You can send to the recipient by:
   • Their mobile phone number (if registered with their bank’s Bakong-linked account)
   • Their bank account number
   • Their Bakong ID (if they have set one up in the Bakong wallet app)

   Using a phone number is the simplest method for most person-to-person transfers.

5. Enter the amount and currency. Specify the transfer amount in USD or KHR — Cambodia’s dual-currency system means transfers can be denominated in either.
6. Review and confirm. Your app displays the recipient’s name (pulled from the bank’s records based on the account number or phone number) and the amount. Verify both before confirming — once a transfer is authorised it cannot be recalled without the recipient’s cooperation.
7. Authenticate. Enter your PIN, fingerprint, or face ID to authorise the transfer.
8. Transfer complete. Bakong interbank transfers settle in real time — the recipient’s account is credited within seconds. Both sender and recipient receive a transaction notification.

Is there a fee?
For most transfers between major Cambodian banks via Bakong, the fee is zero or negligible — typically below $0.50 for smaller transfers, free for many. Individual banks set their own fee schedules for interbank transfers. ABA charges no fee for outbound Bakong transfers within standard daily limits. Check your specific bank’s transfer fee schedule in the app or on their website before sending — fees are displayed on the confirmation screen before you authorise.

What if the recipient’s phone number isn’t linked to a bank account?
If the recipient hasn’t linked their phone number to their bank account for Bakong transfers, use their account number instead. Every Cambodian bank account has a unique account number that can be used for any interbank transfer regardless of Bakong phone number registration.

Method 2: FAST Transfer System

FAST (Fast And Secure Transfers) is Cambodia’s high-value interbank transfer system, designed for larger transactions that need a formal interbank clearing mechanism. FAST operates alongside Bakong and handles transfers that exceed individual bank app limits or require a more structured settlement process.

FAST transfer key facts:

• Speed: Near-instant to same-day, depending on the sending and receiving bank’s cut-off times
• Cost: Variable — some banks offer free FAST transfers, others charge $1–$3 per transaction. Check your bank’s current FAST fee schedule.
• Limits: FAST handles larger transfer amounts than standard Bakong app transfers — useful for business payments, property deposits, and large personal transfers
• Availability: Available through most major Cambodian bank apps and at branches; some banks restrict FAST to business hours even for app-initiated transfers
• When to use it: For transfers above your bank app’s standard Bakong limit, or for business-to-business payments requiring a formal transfer reference number

For most everyday personal transfers — sending money to family, splitting expenses, paying individuals — Bakong is faster, free, and simpler. FAST is the relevant system when you are transferring larger business amounts or when the recipient specifically needs a FAST transfer reference for their records.

Method 3: KHQR Personal Transfer

Cambodia’s KHQR national QR standard is not just for merchant payments — it also enables person-to-person transfers between accounts at different banks. Any Cambodian bank account holder can generate a personal KHQR code and share it to receive a transfer from anyone using a KHQR-compatible app.

How KHQR personal transfers work:

1. The recipient generates their personal KHQR code. In any KHQR-compatible banking app, there is an option to display your personal receive QR code. This QR encodes your account details in the national standard format.
2. The sender scans the QR. The sender opens their bank app, taps the QR scan/pay function, and points their camera at the recipient’s QR code — whether displayed on their phone screen or as a printed code.
3. The sender enters the amount and confirms. The app displays the recipient’s name from the encoded account data. The sender enters the transfer amount and authenticates.
4. Transfer settles instantly. The funds move from the sender’s account to the recipient’s account via the Bakong infrastructure — regardless of which banks each party uses.

When KHQR personal transfers are most useful:

• When you are physically present with the recipient — they show their QR, you scan and send
• When the recipient has shared their QR code digitally (screenshot via Telegram or WhatsApp) and you scan from your camera roll — most KHQR apps allow scanning a QR from an image as well as a live camera
• When you do not know the recipient’s bank account number or which bank they use — the KHQR handles routing regardless of institution

KHQR personal transfers are free for the sender and the recipient. No fee is charged by the KHQR standard itself — individual bank policies apply, but in practice the transfer cost matches Bakong interbank transfers (zero or near-zero).

Sending from ABA Bank to Another Bank

Within ABA Mobile — step by step:

1. Open ABA Mobile and tap Transfer on the home screen
2. Select Other Banks (not “ABA to ABA” — that is for internal transfers within the ABA network)
3. Choose the recipient’s bank from the dropdown list
4. Enter the recipient’s account number or registered mobile number
5. ABA Mobile retrieves and displays the account holder’s name — verify this matches who you intend to pay
6. Enter the amount in USD or KHR
7. Add a payment reference note if needed (useful for business payments)
8. Review the summary screen — fee displayed here is typically $0 for standard Bakong transfers
9. Authenticate with your PIN or biometric and confirm

ABA interbank transfer limits (approximate):

• Standard daily limit: $5,000–$10,000 via app (varies by account type and KYC level)
• Higher limits available for ABA business accounts
• Transfers above app limits require a branch visit or contact with ABA Business Banking

For ABA’s full account features and fee structure, see our ABA Bank review 2026.

Sending from ACLEDA Bank to Another Bank

Within ACLEDA Unity — step by step:

1. Open ACLEDA Unity and navigate to Transfer
2. Select Interbank Transfer or Other Bank
3. Select the destination bank
4. Enter the recipient’s account number or Bakong-registered phone number
5. Verify the account holder name displayed
6. Enter the amount and currency (USD or KHR)
7. Review the fee summary — ACLEDA’s interbank transfer fees are low or zero for Bakong-routed transfers
8. Authenticate and confirm

ACLEDA-specific note: ACLEDA’s Unity app performs reliably on lower-bandwidth connections — relevant for users in provincial areas where 4G coverage is patchy. Interbank transfers from ACLEDA to other banks via Bakong are available 24/7 through the app. For ACLEDA’s full product range, see our ACLEDA Bank review 2026.

Sending from Wing Bank to Another Bank

Wing Bank handles interbank transfers differently from traditional bank apps, reflecting its origins as a mobile money platform. Wing’s strength is domestic remittance and cash-out at its 9,000+ agent network — interbank transfers to formal bank accounts are supported but the process varies slightly.

Wing to bank account transfer — step by step:

1. Open the Wing Bank app and select Send Money
2. Select Bank Transfer or To Bank Account
3. Choose the recipient’s bank from the list
4. Enter the recipient’s bank account number
5. Enter the amount in USD or KHR
6. Review any applicable fees — Wing’s bank transfer fees are low but not always zero; check the fee displayed on the confirmation screen
7. Authenticate and confirm

Wing to Wing transfers: Sending from one Wing account to another Wing account is free and instant — the simplest transfer within Wing’s ecosystem. Sending to a Wing agent location for cash-out by the recipient is Wing’s core use case for rural and provincial transfers.

When Wing is the best transfer route: When the recipient is in a rural or provincial area without a formal bank account but with access to a Wing agent. The sender transfers from any bank to Wing (or Wing to Wing), and the recipient collects cash at their nearest Wing agent. No other transfer system in Cambodia achieves this rural last-mile reach. For Wing’s full capability, see our Wing Bank review 2026.

Transfer Limits — What You Can Send Per Day

For transfers above your app’s daily limit: Contact your bank directly — either by phone, in-app chat, or branch visit. Most banks can temporarily increase transfer limits for specific purposes (property purchase, business payment) with appropriate documentation. For large transfers, giving your bank advance notice avoids transaction delays.

International Transfers — What’s Different

Everything covered above applies to transfers within Cambodia — between Cambodian bank accounts. International transfers (sending money from Cambodia to another country, or receiving from abroad) work through different systems and involve different fees.

Sending money from Cambodia internationally:
International wire transfers from Cambodian banks typically cost $10–$30 per transaction in bank fees, plus a 1%–3% exchange rate margin. SWIFT is the standard system for formal international bank-to-bank transfers. Alternatives including Wise (TransferWise), Western Union, and specialist remittance services are often cheaper for smaller amounts. For a full comparison of options, see our guide to sending money from Cambodia internationally.

Receiving money from abroad into a Cambodian bank account:
Incoming international wire transfers (SWIFT) are generally received free or at a small fixed fee by Cambodian banks — the sender’s bank charges for the outbound transfer, not the receiving bank. Providing the sender with your bank’s SWIFT code and your account number enables a direct bank transfer. For the most cost-effective options for receiving remittances from overseas, see our best ways to send money to Cambodia guide.

KHQR cross-border transfers:
Cambodia’s KHQR has established a cross-border link with Thailand’s PromptPay — meaning Thai bank app users can scan a Cambodian KHQR code and pay directly. This is relevant for Thai tourists in Cambodia and Cambodian businesses with Thai customers. Bilateral KHQR links with other ASEAN countries are in development. See our KHQR complete guide for current cross-border status.

Frequently Asked Questions — Transferring Money Between Cambodian Banks

Is it really free to transfer money between Cambodian banks?
For most transfers via Bakong through a major Cambodian bank app, yes — the transfer fee is zero or negligible (below $0.50). This is a genuine improvement from Cambodia’s financial infrastructure of five years ago, when interbank transfers typically incurred a $1–$5 fee. The fee is always displayed on the confirmation screen before you authorise — if there is any charge, you will see it and can cancel without cost.

How long does an interbank transfer take in Cambodia?
Bakong-routed interbank transfers are real-time — the recipient’s account is credited within seconds, 24 hours a day, 7 days a week. There is no next-day settlement delay for standard Bakong transfers between participating Cambodian banks. FAST transfers are near-instant but may be subject to processing windows at some banks during off-hours.

Do I need the recipient’s full account number to send money?
Not necessarily. If the recipient’s mobile phone number is registered with their bank for Bakong transfers, you can send using only their phone number. Their bank account at the receiving institution is linked to their phone number in the Bakong system. If their phone is not registered, use their bank account number. Either method works — account number is the universal fallback.

Can I transfer KHR and USD between different banks?
Yes. Bakong supports both USD and KHR transfers between participating Cambodian banks. You choose the currency when initiating the transfer — the amount is sent in the selected currency and received in that currency by the recipient. Cambodia’s dual-currency banking system means both currencies are fully supported for interbank movement.

What if I send money to the wrong account?
Bakong transfers are not automatically reversible. If you send to the wrong account, you must contact your bank immediately and explain the error. Your bank contacts the receiving bank to request a reversal — this requires the recipient’s cooperation, as the funds are in their account. The process can take several business days and is not guaranteed if the recipient declines to return the funds. Always verify the recipient’s name displayed on the confirmation screen before authorising any transfer.

Can I transfer money from a Cambodian bank to Wing Bank?
Yes. Wing Bank is a fully licensed Cambodian bank and a Bakong participant — transfers from any other Cambodian bank to a Wing account work through the same process as any other interbank transfer. Select Wing Bank as the destination, enter the recipient’s Wing account number or registered phone number, and confirm. The transfer reaches the Wing account in real time.

What is the maximum I can transfer per day through my banking app?
Daily limits vary by bank and account type — typically $5,000–$10,000 for ABA personal accounts, $2,000–$5,000 for ACLEDA and Canadia personal accounts. Business accounts have higher limits. Your specific limit is shown in your bank’s app settings. For transfers above the limit, contact your bank to arrange a temporary increase or visit a branch for a counter-initiated transfer.

Do I need to be a customer of both banks to transfer between them?
No. You only need an account at the sending bank. The recipient needs an account at their bank. The Bakong infrastructure handles the interbank routing — you do not need any direct relationship with the recipient’s institution. This is the fundamental benefit of Cambodia’s interoperable payment infrastructure: any bank to any bank, with no requirement to be mutually connected.

MoneyKH · Cambodia Personal Finance Authority Platform
Article 34 · Financial Literacy / Bank Accounts Category · April 2026
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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.