HomeBank AccountsCanadia Bank Review 2026: Fixed Deposit Rates & Verdict | MoneyKH

Canadia Bank Review 2026: Fixed Deposit Rates & Verdict | MoneyKH

Last Updated: April 2026  ·  By MoneyKH Research Team

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Canadia Bank review 2026: Canadia Bank is Cambodia’s best bank for USD fixed deposits at 6–24 month terms, earning a MoneyKH score of 8.0/10. Established in 1991 — before Cambodia had a functioning financial system — it is the country’s oldest surviving private bank with over 35 years of institutional continuity. Canadia consistently offers USD fixed deposit rates at or near the top of the Cambodian market: approximately 6.25% p.a. for 12 months and 6.50% p.a. for 24 months — higher than ABA Bank and ACLEDA Bank at these terms. For daily digital banking, its mobile app and QR merchant network trail ABA significantly. For savers parking USD reserves for 6–24 months at Cambodia’s highest available institutional rates, Canadia Bank is the specific use case where it wins clearly. The MoneyKH recommendation: hold your operational account at ABA Bank; use Canadia Bank exclusively for fixed deposits above 6 months.

🇰🇭 Canadia Bank Cambodia · Full Review · Fixed Deposits · Rates · History · Foreigners · 2026

Canadia Bank Cambodia Review 2026: Fixed Deposit Rates, Fees & Full Verdict

Canadia Bank has survived every economic shock Cambodia has faced since 1991 — political transitions, currency crises, and now digital disruption. In 2026, its competitive position is clear and specific: Cambodia’s highest fixed deposit rates at 6–24 month USD terms. This is the most complete English-language Canadia Bank review available, covering every account type, the full rate schedule, honest mobile banking limitations, and exactly when Canadia is — and is not — the right choice.

8.0/10

MoneyKH Score

✅ Highest USD fixed deposit rates (12–24m)
✅ 35+ years institutional history
✅ Bakong integrated · USD & KHR
✅ Strong SME & corporate banking

← Compare All Cambodia Banks

1991

Year founded. Cambodia’s oldest surviving private bank. Pre-dates the country’s modern financial system.

6.50%

Top USD fixed deposit rate (24 months). Among the highest at any NBC-licensed institution in 2026.

35+

Years of continuous operation. The longest track record of any Cambodian private commercial bank.

40+

Branches across Cambodia’s major cities and provincial centres. Urban focus with quality locations.

#1

Fixed deposit rate ranking for 12–24 month USD terms. Market-leading position consistently held in 2026.

⚡ MoneyKH Quick Reference — Canadia Bank 2026


Canadia Bank 2026: MoneyKH Verdict at a Glance

✅ Where Canadia Bank Leads

  • Fixed deposit rates — market-leading at 6–24 month USD terms
  • Institutional history — 35+ years, Cambodia’s oldest private bank
  • Institutional stability — conservative balance sheet management
  • Relationship banking — high-value depositor management
  • Corporate banking — trade finance, LCs, business credit
  • USD & KHR products — full range across all segments
  • Bakong integration — instant free transfers to all banks
  • City centre branch locations — quality premises in Phnom Penh
  • SME lending — competitive at mid-market level
  • Discretion — preferred by high-net-worth Cambodian families

⚠️ Canadia Honest Limitations

  • Mobile app — functional but well behind ABA Mobile in experience
  • Standard savings rate — below ABA for non-fixed accounts
  • ATM network — smaller than ABA’s 1,000+ machine fleet
  • Branch network — 40+ locations vs ACLEDA’s 250+
  • Provincial coverage — limited outside major cities
  • Digital innovation — conservative pace vs ABA
  • QR merchant acceptance — smaller than ABA Pay network
  • English digital content — less online information than ABA

MoneyKH Bottom Line on Canadia Bank

Canadia Bank has one clear, specific job in Cambodia’s 2026 financial landscape: it offers the highest fixed deposit rates at 6–24 month USD terms — consistently edging out ABA and ACLEDA at these terms. That is where it wins. For daily banking, mobile payments, and standard savings, ABA Bank is the stronger choice. The optimal strategy for savers: hold your operational account and short-term savings at ABA Bank, lock your medium-term USD reserves in a Canadia Bank fixed deposit. Combined cost: $0 per month. Combined result: the best of both institutions. Score: 8.0/10.


Canadia Bank: 35 Years of Survival — Cambodia’s Oldest Private Bank

To understand Canadia Bank in 2026, you need to understand what it means to have operated continuously since 1991. Cambodia in 1991 was a country emerging from two decades of conflict, genocide, and economic collapse. The Khmer Rouge period had systematically destroyed the financial system — eliminating money, abolishing banks, and executing financial professionals. When the UNTAC (United Nations Transitional Authority in Cambodia) arrived and economic reconstruction began, there was no functioning Cambodian private banking sector to speak of.

Canadia Bank was founded in this context — by Cambodian entrepreneurs in 1991, before the formal peace accords were signed, before the first post-war election, and before Cambodia had a credible central banking framework. Surviving through the political turbulence of the 1990s, the Asian financial crisis of 1997–98, and the global financial crisis of 2008–09, Canadia has now outlasted every private bank that existed alongside it at founding. This institutional continuity is not a marketing point — it represents a balance sheet management philosophy, a depositor relationship culture, and a risk tolerance that genuinely differs from ABA’s aggressive digital growth model.

Who banks with Canadia Bank in 2026

Canadia Bank’s customer base skews toward established Cambodian businesses, high-net-worth Cambodian families who have banked there for decades, corporate treasury operations requiring fixed deposit placements, and conservative savers who prioritise institutional history and competitive rates over mobile app quality. It is not the bank that Cambodia’s under-35 urban digital natives are choosing — and Canadia does not appear to be competing aggressively for that segment. It occupies a different, more stable position in the market.


Canadia Bank Fixed Deposit Rates 2026 — Cambodia’s Market Leader at 6–24 Months

Fixed deposits are where Canadia Bank makes its case — and the case is strong. MoneyKH’s April 2026 rate verification shows Canadia consistently at or above the Cambodian market for USD fixed deposits at 6 months and beyond. For a saver with $5,000–$50,000 in USD reserves who does not need the funds for 12–24 months, the rate differential over ABA Bank translates into a material additional return.

Canadia Bank vs ABA Bank vs ACLEDA — Fixed Deposit Rate Comparison

Term Canadia Bank ⭐ ABA Bank ACLEDA Bank Min. Deposit MoneyKH Note
1 month ~4.50% ~4.75% ~4.50% $500 ABA slightly ahead here. Savings account may be better at this term.
3 months ~5.25% ~5.25% ~5.00% $500 Canadia and ABA level here. Compare before committing.
6 months ~5.75% ⭐ ~5.50% ~5.25% $500 Canadia’s edge begins here. 0.25% above ABA adds up on large deposits.
12 months ~6.25% ⭐ ~5.75–6.00% ~5.50–6.00% $1,000 Canadia’s strongest position. Often 0.25–0.50% above competitors.
24 months ~6.50% ⭐ ~6.00–6.50% ~5.75–6.25% $1,000 Canadia leads. On $20,000: 0.50% difference = $100/year extra.
36 months ~6.75% ~6.50% ~6.25% $1,000 Longest term. Canadia leads. Verify early withdrawal conditions carefully.

All rates approximate, verified April 2026 via direct inquiry with each institution. Rates change quarterly — always confirm at your chosen bank before depositing. Full Cambodia savings rate comparison →

What the Rate Difference Actually Means in USD

$5,000 for 12 months

Canadia at 6.25% vs ABA at 5.75%

+$25

extra per year at Canadia
($312 vs $287 interest)

$20,000 for 12 months

Canadia at 6.25% vs ABA at 5.75%

+$100

extra per year at Canadia
($1,250 vs $1,150 interest)

$50,000 for 24 months

Canadia at 6.50% vs ABA at 6.00%

+$500

extra over 2 years at Canadia
($6,500 vs $6,000 interest)

MoneyKH Fixed Deposit Recommendation

For deposits below $5,000 at 12 months: the rate difference between Canadia and ABA is meaningful but not life-changing. Open whichever bank you already use for daily banking. For deposits of $10,000+ at 12–24 months: open a Canadia Bank fixed deposit specifically — the additional return on a significant sum is worth a branch visit. Keep your operational account at ABA Bank. Always verify the current rate at both institutions before committing — rates change quarterly.


Canadia Bank: All Account Types 2026

Personal Savings Account

Canadia’s standard savings account is available in USD and KHR. Monthly fee: $0. The key limitation versus ABA is the savings rate for non-fixed accounts — Canadia’s standard savings rate trails ABA’s 4.5–5.0% p.a. at comparable balance levels, making ABA the stronger choice for liquid savings. Canadia’s savings account is best understood as the operational account you hold specifically to fund your Canadia fixed deposits — not as a primary savings vehicle on its own.

USD Savings

4.0–4.75%

per annum · tiered by balance

Below ABA (4.5–5.0%). Use as a holding account for your Canadia fixed deposit — not as primary savings.

KHR Savings

5.0–6.5%

per annum · NBC de-dollarisation rate

Competitive. NBC incentive makes KHR rates deliberately above USD equivalent at all banks.

Canadia KHR Fixed Deposit Rates 2026

Canadia also offers KHR-denominated fixed deposits at rates reflecting the NBC’s de-dollarisation policy. KHR fixed deposit rates are consistently 1–2% higher in nominal terms than USD equivalents at the same institution — though KHR carries currency risk for anyone whose expenses are in USD. See our full KHR vs USD comparison: Cambodia Savings Account Interest Rates 2026 →

Term KHR Rate (p.a.) USD Equivalent MoneyKH Note
3 months ~6.50% ~5.25% KHR rate is ~1.25% higher. FX risk applies for USD-spending depositors.
6 months ~7.00% ~5.75% KHR 1.25% premium. Best for Cambodians spending in KHR.
12 months ~7.50% ~6.25% KHR 1.25% premium. USD recommended for expats and international depositors.
24 months ~7.75% ~6.50% KHR 1.25% premium. For Cambodians with KHR income — excellent rate.

Canadia Bank: Complete Fees & Terms 2026

Fee / Product Amount Notes
Account Fees
Monthly account fee (personal savings) $0 Standard personal savings — free.
Minimum balance (personal) $100–$500 Depends on account tier. ABA Bank has $0 minimum — Canadia requires more. Confirm at branch.
Fixed deposit minimum (USD) $500 (short) / $1,000 (12m+) Standard minimums. Larger deposits may qualify for negotiated rates.
Transfers & Payments
Bakong transfers (any bank) Free Instant, 24/7. Domestic and cross-border (TH, MY, VN). Guide: Bakong Complete Guide →
Canadia → Canadia transfer Free Via app or branch.
Outgoing SWIFT (international) Fee applies Confirm current rate at branch. For frequent senders, consider ABA Bank as operational bank.
Incoming SWIFT (USD) Fee may apply ABA Bank offers free incoming USD SWIFT — advantage to ABA for international recipients.
Fixed Deposits — Key Terms
Early withdrawal penalty Interest forfeited Full or partial interest loss on early withdrawal. Confirm exact terms at branch before depositing.
Interest payment frequency At maturity or monthly Option to receive monthly interest payments (lower rate) or lump sum at maturity (higher rate).
Auto-renewal Available Opt-in at opening. Renewed at whatever rate applies at maturity — check before renewing.
Partial withdrawal Not available (standard) Most FDs are whole-or-nothing for early access. Confirm at branch — some premium tiers differ.

Canadia Bank SME & Corporate Banking 2026

Canadia Bank is a genuine player in Cambodia’s SME and corporate lending market — not at ACLEDA’s provincial scale or loan volume, but at the mid-to-upper tier of urban business banking. Its corporate banking team handles trade finance, letters of credit, and relationship-managed lending for established Cambodian businesses and larger regional companies with Cambodian operations.

🏢 Corporate & SME Products

  • SME term loans — working capital and asset finance at competitive rates
  • Trade finance — letters of credit, bank guarantees, documentary collections
  • Import/export financing — pre-shipment and post-shipment credit
  • Overdraft facilities — revolving credit for established business customers
  • Corporate fixed deposits — treasury management for business cash reserves at premium rates
  • Payroll accounts — bulk salary disbursement for corporate clients
  • Project finance — real estate and infrastructure lending

💡 Where Canadia Corporate Banking Wins

  • Relationship banking model — larger clients get dedicated relationship managers, not call centre support
  • Corporate FD rates — larger corporate deposits may qualify for negotiated rates above published retail rates
  • Trade finance depth — 35 years of experience with Cambodia’s import-export sector
  • Discretion — preferred by high-net-worth Cambodian families for wealth management banking
  • Stability signal — institutional longevity matters for corporate counterparties and auditors

MoneyKH SME Verdict for Canadia

For most Cambodian SMEs, ACLEDA Bank remains the stronger primary lending institution due to provincial reach and loan portfolio depth. For urban SMEs wanting corporate-grade trade finance, relationship banking, and high-balance fixed deposit management alongside business lending: Canadia Bank is a credible choice — particularly for businesses already holding significant deposits there. Compare full SME options: SME Loans in Cambodia 2026 →


Canadia Bank Mobile Banking — Honest Assessment 2026

Canadia Bank offers a mobile banking application for iOS and Android. The honest assessment: it is functional, covers the basics, and lags behind ABA Mobile in user experience, feature depth, and merchant network by a significant margin. This is not a criticism unique to Canadia — it reflects a broader pattern where Cambodia’s established banks built their digital capability more slowly than ABA, which had institutional resources to invest aggressively in mobile infrastructure from 2014 onward.

✅ What the App Covers

  • Account balance and transaction history
  • Bakong transfers to any connected bank — instant and free
  • Canadia-to-Canadia transfers
  • QR payment via Bakong QR standard
  • Fixed deposit inquiry and management
  • Bill payments — electricity, telephone, utilities
  • Available in Khmer and English

⚠️ Where It Lags ABA Mobile

  • UI design — visibly older and less polished than ABA Mobile
  • QR merchant network — a fraction of ABA Pay’s 100,000+ locations
  • Fixed deposit opening — may require branch visit for new FDs
  • App Store ratings — lower than ABA Mobile in Cambodia charts
  • AliPay+ / WeChat Pay — not integrated
  • Feature release pace — slower update cycle
  • International wire initiation — branch-based primarily

MoneyKH App Verdict: Use Canadia’s app for what it does reliably — checking your fixed deposit balance, making Bakong transfers, and managing your Canadia account. Do not rely on it as your primary daily banking app. That role belongs to ABA Mobile. The two-bank approach (ABA for daily banking + Canadia for fixed deposits) requires managing two apps — a minor inconvenience that the rate advantage at longer terms more than compensates for larger deposit sizes.


Opening a Canadia Bank Account as a Foreigner 2026

Canadia Bank accepts foreign nationals for personal savings and fixed deposit accounts. The documentation requirements are broadly similar to ABA Bank and ACLEDA Bank, though Canadia’s minimum balance requirements for savings accounts are higher than ABA’s $0 minimum — a consideration for foreigners opening an account purely to access fixed deposit products.

📄 Documents Required

  • Original passport — valid 6+ months
  • Valid Cambodia visa — any type including E-visa
  • Cambodian phone number — for account activation
  • Initial deposit — $100–$500 depending on account tier
  • Some branches: proof of address or source of funds for larger deposits
  • Large fixed deposits ($20,000+): source of funds documentation common

⚡ Best Branches for Foreigners

  • Canadia Tower — Monivong Blvd, Phnom Penh — flagship, English service
  • Phnom Penh Centre branch — central city, professional service
  • Siem Reap branch — Sivatha Blvd area — tourist zone, English-capable
  • Call ahead for fixed deposit appointments at larger amounts — saves waiting time

Total time: 45–90 minutes. Call ahead for larger FDs.

Full foreigner banking guide: How to Open a Bank Account in Cambodia →

MoneyKH Foreigner Strategy for Canadia Bank

Most foreigners should open ABA Bank first (zero minimum balance, best app, free incoming SWIFT). Then open a Canadia Bank account specifically when you are ready to place a fixed deposit of $5,000 or more at 6–24 months. You do not need to maintain a large Canadia savings balance — just enough to fund the fixed deposit. The fixed deposit interest is credited to your Canadia savings account at maturity, and you can then Bakong-transfer it to ABA instantly at no cost.


Canadia Bank vs ABA Bank vs ACLEDA Bank 2026

Decision Factor Canadia Bank ABA Bank ACLEDA Bank
Fixed deposit 12–24m (USD) ✅ Market leader ⭐ Good · ~0.25–0.50% lower Good · Lower at 12m+
Standard savings rate (USD) 4.0–4.75% 4.5–5.0% ⭐ 3.5–4.5%
Mobile banking app ★★★ Adequate ★★★★★ Best ⭐ ★★★ Adequate
Branch network 40+ major cities 100+ urban focus 250+ all provinces ⭐
Institutional history 1991 · 35+ yrs ⭐ 1996 · 30 yrs 1993 · 33 yrs
SME loans ✅ Good · urban ✅ Strong ✅ Market leader ⭐
Trade finance / LCs ✅ Strong depth ⭐ ✅ Available ✅ Available
Minimum savings balance $100–$500 $0 ⭐ $0 (approx)

FAQ: Canadia Bank Cambodia 2026

Q: Is Canadia Bank safe for large deposits?

Canadia Bank is regulated by the National Bank of Cambodia and participates in the Cambodia Deposit Guarantee Corporation (CDGC), which covers approximately $7,500 USD per depositor. It has operated continuously since 1991 — surviving every economic shock Cambodia has faced, including the Asian financial crisis, the global financial crisis, and COVID-19 — a 35-year track record unmatched by any other Cambodian private bank. For deposits above $7,500, MoneyKH’s standard recommendation applies: diversify across two institutions rather than concentrating large balances at any single Cambodian bank. The practical approach: ABA Bank for operational cash plus Canadia Bank for fixed deposits, giving CDGC coverage at both institutions.

Q: What is Canadia Bank’s SWIFT code?

Canadia Bank’s SWIFT/BIC code is CANAKHPP. Use this when receiving international wire transfers to your Canadia account. Note that Canadia Bank may charge a fee on incoming international transfers — confirm current charges at your branch before asking overseas senders to wire funds. If receiving frequent international payments, ABA Bank (ABAAKHPP — free incoming USD SWIFT) is generally more cost-effective as your operational account. You can then Bakong-transfer funds from ABA to Canadia at no cost when ready to place a fixed deposit. For sending money internationally, see our international transfer guide →

Q: What is Canadia Bank’s fixed deposit interest rate in 2026?

Canadia Bank’s USD fixed deposit rates in April 2026 are approximately: 3 months at 5.25% p.a., 6 months at 5.75% p.a., 12 months at 6.25% p.a., 24 months at 6.50% p.a., and 36 months at approximately 6.75% p.a. KHR fixed deposit rates are approximately 1.25% higher at each term. The 12-month and 24-month USD rates are generally the highest available at any NBC-licensed commercial bank in Cambodia at these terms. All rates are subject to quarterly review — always confirm current rates at canadiabank.com.kh or in-branch before depositing. Compare with all banks: Cambodia Savings Rate Comparison →

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

Early withdrawal of a Canadia Bank fixed deposit typically results in forfeiture of some or all of the interest earned. The exact penalty terms vary by account tier, deposit size, and the point in the deposit term at which withdrawal occurs. The principal amount is returned in full — only the interest is at risk. Before opening any fixed deposit at Canadia Bank, confirm the exact early withdrawal terms in writing at the branch. If there is any chance you may need access to the funds before maturity, either choose a shorter term or keep those funds in a savings account rather than a fixed deposit.

Q: Can a foreigner open a fixed deposit at Canadia Bank?

Yes. Foreign nationals can open fixed deposits at Canadia Bank with a valid passport and any type of Cambodian visa. Canadia Bank first requires a savings account before a fixed deposit can be opened — you will need to satisfy the savings account minimum balance ($100–$500 depending on tier) before funding the fixed deposit. For larger fixed deposits above $10,000, Canadia may request a source of funds declaration — standard for any Cambodian bank at this level. The Canadia Tower branch on Monivong Boulevard in Phnom Penh is the recommended location for English-language service. Full guide: How to Open a Bank Account in Cambodia →

Q: Is Canadia Bank better than ABA Bank?

Canadia Bank is better than ABA Bank for one specific purpose: fixed deposits at 6–24 month USD terms, where Canadia’s rates are typically 0.25–0.50% higher than ABA’s. ABA Bank is better than Canadia Bank for everything else: standard savings rates, mobile banking app quality, QR merchant network (100,000+ locations vs Canadia’s much smaller base), ATM network density, branch accessibility in provincial areas, and free incoming SWIFT. The right answer for most Cambodia residents is both: ABA as the primary daily banking account, Canadia Bank for medium-to-long-term fixed deposits where the rate advantage compounds meaningfully on larger sums. See the full bank comparison →

Q: Does Canadia Bank support Bakong payments?

Yes. Canadia Bank is integrated with the National Bank of Cambodia’s Bakong blockchain payment system. You can send instant, free transfers from your Canadia account to any Bakong-connected account — ABA Bank, ACLEDA Bank, Wing Bank, and any other NBC-connected institution — via Canadia’s mobile app. Bakong QR payments for merchant transactions are also supported. Cross-border Bakong transfers to Thailand, Malaysia, and Vietnam are available. Full Bakong guide: Bakong Complete Guide 2026 →

Q: How do I maximise the interest on my USD savings in Cambodia?

The MoneyKH-recommended strategy for maximising USD returns in Cambodia in 2026: keep 2–3 months of living or operating expenses in an ABA Bank savings account (4.5–5.0% p.a., fully liquid); lock any surplus reserves you won’t need for 12+ months in a Canadia Bank fixed deposit (6.25% p.a. for 12 months). If you can commit to 24 months: 6.50% p.a. at Canadia. For reserves between 3–6 months of expenses that you want access to within the year: ABA’s 3–6 month fixed deposit (5.25–5.50%) or ABA savings are adequate and provide easier access. Never lock funds in a fixed deposit that you may need before maturity — the early withdrawal penalty negates the rate advantage. Full rate comparison: Cambodia Savings Rates 2026 →

Q: Who owns Canadia Bank?

Canadia Bank is Cambodian-owned, founded by Cambodian entrepreneurs in 1991. Unlike ABA Bank (majority-owned by National Bank of Canada) or ACLEDA Bank (publicly listed on CSX with international development finance shareholders), Canadia Bank remains privately held by its founding Cambodian shareholders and associated parties. This ownership structure is part of what gives Canadia its reputation as the bank of choice for established Cambodian business families — it is not a multinational subsidiary and is not subject to foreign parent reporting requirements. NBC regulatory filings are publicly available via the NBC website.

Q: Where is the Canadia Bank head office?

Canadia Bank’s head office and flagship branch is at Canadia Tower, #315, Ang Duong Street (corner of Norodom Blvd), Phnom Penh. Phone: +855 23 868 222. Website: canadiabank.com.kh. The Canadia Tower branch is the recommended location for foreign account opening, large fixed deposit placement, and any service requiring English-language relationship banking. The building itself — one of Phnom Penh’s landmark towers — reflects the institution’s position in the Cambodian financial establishment.

MoneyKH Final Verdict — Canadia Bank 2026

Cambodia’s best fixed deposit rates. One specific, excellent job.

Canadia Bank is not trying to be ABA Bank, and it does not need to. Its 35-year institutional track record, market-leading fixed deposit rates at 6–24 month USD terms, and relationship banking model for established corporate clients give it a clear, defensible position in Cambodia’s 2026 banking landscape. Use it for exactly what it does best — fixed deposits — and use ABA for everything else. The two-bank strategy costs nothing in monthly fees and delivers the best of both institutions.

Fixed deposits (6–24m USD): Canadia ⭐  ·  Daily banking: ABA  ·  SME loans: ACLEDA  ·  Mobile: ABA

8.0

/10 · MoneyKH Score

Fixed deposits: ★★★★★

History/stability: ★★★★★

Corporate banking: ★★★★☆

Savings rate: ★★★☆☆

Mobile app: ★★★☆☆

Compare All Cambodia Rates →
All Banks Comparison →

🤖

Not sure if Canadia Bank is right for your situation?

The MoneyKH AI Advisor can help. Tell it how much you want to deposit, for how long, and whether you prioritise liquidity or maximum return — and it will recommend whether Canadia, ABA, or another Cambodian bank is the right fit for your specific situation. Free, no email required. Ask the MoneyKH AI Advisor →

MoneyKH — Cambodia’s Independent Finance Authority

Canadia Bank Rate Changes — Know Before Anyone Else

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Published by the MoneyKH Research Team. Last updated: April 2026. All Canadia Bank rates and fees verified April 2026 via direct inquiry. Confirm current terms at canadiabank.com.kh or in-branch before depositing. This guide does not constitute financial advice. MoneyKH operates as an independent comparison platform with no affiliate partnerships — see our full disclaimer.


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