MoneyKH FD Calculator 2026

Net interest after 6% (resident) and 14% (non-resident) withholding tax

✅ Wing Bank FD Strengths

• Highest USD FD rates among commercial banks
• Lowest minimum deposit — from $10 USD / KHR 40,000
• 1–60 month flexible terms
• Open and manage via Wing Bank App
• Full NBC commercial banking licence
• Both monthly payout and maturity payout available

⚠ Wing Bank FD Limitations

• Rates have been cut significantly since 2022–2023 peak
• Less branch coverage than ABA or ACLEDA for daily banking
• Core strength is payments/remittance, not savings products

6%

Resident Taxpayers

Cambodians and foreigners who have lived in Cambodia for 182+ days in the tax year. Deducted at source from all FD interest at payout.

14%

Non-Resident Taxpayers

Expats who spend fewer than 182 days per year in Cambodia. Applies to ALL FD interest per GDT guidance.

Not sure which FD is right for you?

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How much you want to deposit, how long you can lock it, whether you need monthly income — tell the AI and it will tell you exactly which institution and which term to use.

Q: Which bank has the best fixed deposit rate in Cambodia in 2026?

Among NBC-licensed commercial banks, Wing Bank leads for USD fixed deposits with up to 5.50% p.a. at 36 months and 4.25% at 12 months (June 2026). ACLEDA is competitive for mid-range terms at 4.02–4.37%. ABA Bank offers the best digital experience but trails Wing by 0.75–1.50 percentage points. For KHR deposits, Wing also leads. MDIs such as LOLC Cambodia and KB Prasac offer higher rates above 5.50% for 12M+ terms, but carry a different risk profile — see the risk caveat above.

Q: How much tax do I pay on fixed deposit interest in Cambodia?

All FD interest in Cambodia is subject to withholding tax, deducted automatically by the bank at payout. Cambodian tax residents — defined as anyone living in Cambodia for 182+ days per year, regardless of nationality — pay 6% withholding tax. Non-residents, including expats who do not meet the 182-day threshold, pay 14% withholding tax. Both rates are set by the General Department of Taxation and apply at all licensed banks and MDIs. The bank handles the deduction; you receive the net interest automatically.

Q: Can foreigners and expats open a fixed deposit in Cambodia?

Yes. All major commercial banks in Cambodia accept foreign nationals as FD account holders. Wing Bank and ABA Bank accept passport holders on most visa types. ACLEDA and Canadia typically require a multiple-entry visa with 182+ days in-country or an employment contract. The 14% non-resident withholding tax rate applies to expats who spend fewer than 182 days per year in Cambodia. Tourist visa holders should confirm eligibility with the individual bank before visiting. The MoneyKH AI tool can advise on which banks accept your specific visa type.

Q: What happens if I withdraw my fixed deposit early?

Early withdrawal from a Cambodian fixed deposit results in loss of the locked FD rate. The bank typically applies the savings account rate (0.10–1.50% p.a. for USD) for the period held, rather than the FD rate. Your principal is always returned in full — early withdrawal does not put your capital at risk. This is a standard term deposit structure. If you think you may need access before the maturity date, consider a shorter term or splitting your deposit across two terms.

Q: Is it better to take monthly interest payout or payout at maturity?

Payout at maturity typically offers a marginally higher effective rate because the full principal remains at the FD rate for the complete term. If you can immediately reinvest monthly interest payments — for example into an ABA savings account at competitive rates — the compounded return may match or exceed the maturity payout. For most depositors who do not need monthly income, payout at maturity is simpler and slightly higher in net yield. If you rely on the interest for monthly expenses, monthly payout provides predictable cash flow.

Q: Are fixed deposits in Cambodia safe? What is CDGC protection?

Fixed deposits at fully licensed commercial banks are supervised by the National Bank of Cambodia and covered under the Credit Guarantee Corporation of Cambodia (CDGC) deposit protection scheme. This includes ABA, ACLEDA, Canadia, Wing Bank, Phillip Bank, and Maybank Cambodia. MDI deposits may not have equivalent CDGC protection — verify directly with the institution and the NBC before depositing with any non-commercial-bank institution.

Q: What is the minimum deposit for a fixed deposit in Cambodia?

Wing Bank has Cambodia’s lowest minimum FD at $10 USD (or KHR 40,000). ABA Bank allows mobile FD opening with a low minimum — check the app or call 1 800 203 203. Phillip Bank requires $100. Canadia Bank requires $500. ACLEDA Bank has no stated minimum. Most other commercial banks benchmark around USD 500–1,000. Always confirm the current minimum with the institution before visiting.

Q: Why do MDIs in Cambodia offer higher FD rates than commercial banks?

MDIs offer higher deposit rates because they need to attract retail deposits to fund their loan portfolios, concentrated on small-business and agricultural borrowers who pay higher lending rates. Commercial banks have broader capital market access and lower cost of funds, so they can price deposits lower and still operate profitably. The rate premium at MDIs reflects their higher funding cost, different regulatory capital requirements, and higher-risk loan books. It is not necessarily a signal of financial difficulty — but it is a structural difference that justifies careful consideration before depositing.

Q: Should I open my fixed deposit in USD or KHR in Cambodia?

For most depositors, MoneyKH recommends USD fixed deposits. The Cambodian Riel has depreciated gradually against the US Dollar over many years, meaning KHR rate premiums (typically 0.50–1.25 percentage points above USD) can be partially or fully offset by currency depreciation when converting back to USD. Unless you have specific KHR-denominated obligations — government fees, local rent, or Riel-based income — USD eliminates currency risk. For depositors earning and spending in KHR, a KHR FD may make sense for a portion of savings.

Q: How do I transfer money from ABA Bank to Wing Bank to use the MoneyKH FD strategy?

The simplest method is via Bakong — Cambodia’s NBC-operated interbank payment platform. Both ABA Mobile and the Wing Bank App support Bakong transfers. Open ABA Mobile, go to the Bakong / ABA Pay section, enter the Wing Bank account number or scan the recipient’s KHQR code, and send. Bakong transfers between commercial banks are instant and free. Once funds arrive at Wing, open the Wing Bank app and open your FD from within the app. Full Bakong guide: MoneyKH Bakong Guide 2026 →