Last Updated: April 2026 ·
Editorial Policy
· By MoneyKH Research Team
🇰🇭 MoneyKH Independence Pledge:
We receive no referral fees from ABA Bank, Wing Bank, Wise, Western Union, or any provider in this guide. Data verified directly from provider websites, April 2026.
Full disclaimer →
How to receive money from abroad in Cambodia 2026: The most practical method for banked recipients in Cambodia is a Wise transfer sent to an ABA Bank account — Wise charges approximately 1–2% total, ABA Bank charges no inward SWIFT fee on EUR, GBP, AUD, CAD, THB, SGD, CNY, VND, and JPY transfers, and USD transfers typically incur a community-reported $10 minimum inward processing fee on ABA’s side. For cash recipients with no bank account, Western Union is the fastest option with 1,500+ agents nationwide and same-day pickup. Wing Bank’s 9,000+ agent network is the best option for rural recipients who need cash delivery outside major cities. For transfers arriving from Thailand, Malaysia, or Vietnam, Bakong cross-border QR via ABA Mobile is free and instant. The ABA Bank SWIFT code for receiving international transfers is ABAAKHPP. This guide covers every method, all required bank details, what to tell your sender, and how to avoid the most common receiving errors.
🇰🇭 Receive Money Cambodia · ABA SWIFT · Wing · Wise · Western Union · Bakong · 2026
How to Receive Money from Abroad in Cambodia 2026 — Every Method, All Bank Details, Zero Errors
Whether your family is sending money from South Korea, an employer is paying from the USA, or you are receiving freelance income from Europe — this guide gives you every piece of information your sender needs, which method saves the most money, and how to avoid the five most common receiving mistakes in Cambodia.
⭐ Best for bank account: Wise → ABA Bank (1–2% total cost)
⭐ Best for cash pickup: Western Union (1,500+ agents, same day)
⭐ Best for rural: Wing Bank (9,000+ agents nationwide)
⭐ Best for SE Asia: Bakong QR via ABA Mobile (free)
Free
ABA Bank’s inward fee on EUR, GBP, AUD, CAD, THB, SGD, CNY, VND, and JPY transfers. Zero ABA-side charge on these currencies.
ABAAKHPP
ABA Bank’s SWIFT code for receiving all international wire transfers. Give this to anyone sending money to your ABA account.
3 days
Standard processing time for inward SWIFT transfers to ABA Bank. Faster on major corridors; allow 3 business days to be safe.
1,500+
Western Union agent locations across Cambodia for cash pickup — the broadest nationwide cash receiving network available.
❌
Wise is NOT available as an outward sending platform from Cambodia — but can be used by overseas senders to send TO Cambodia.
⚡ MoneyKH Quick Reference — Receiving Money in Cambodia 2026
- ABA Bank SWIFT code: ABAAKHPP · Address: #148 Preah Sihanouk Blvd., Phnom Penh, Cambodia
- ABA inward fee: Free on EUR, GBP, AUD, CAD, THB, SGD, CNY, VND, JPY — community-reported ~$10 on USD
- Best method (bank account): Wise → ABA Bank — ~1–2% total, 1–3 days
- Best method (cash pickup): Western Union — 1,500+ agents, same day, higher FX cost
- Best for rural: Wing Bank — 9,000+ agents across all 25 provinces
- Free for SE Asia: Bakong QR via ABA Mobile — free from Thailand, Malaysia, Vietnam
- No limit on inward transfers: ABA Bank states no maximum amount for incoming SWIFT
- Full ABA Bank receiving details (copy for your sender) →
- Sending money FROM Cambodia instead? →
All Methods for Receiving Money from Abroad in Cambodia — Comparison
Costs based on a $1,000 USD transfer received in Cambodia. ABA inward fee reflects community-reported charge on USD transfers. Sender-side costs are based on Wise from USA. Exchange rate costs are estimates.
| Method | Sender Cost | Your Inward Fee | Speed | Cash Pickup? | Rural? | Score |
|---|---|---|---|---|---|---|
| 🏆 Wise → ABA Bank | ~$9–$18 ⭐ | ~$0–$10 | 1–3 days | ❌ | ❌ | 9.0 |
| Western Union → Cash | $25–$75 | Free to receive | Minutes ⭐ | ✅ 1,500+ ⭐ | ⚠️ Some | 7.8 |
| Wing Bank International | $5–$40 (varies) | Free to receive | Same day – 2 days | ✅ 9,000+ ⭐ | ✅ All provinces ⭐ | 8.2 |
| Bakong QR (ABA Mobile) | Free ⭐ | Free ⭐ | Instant ⭐ | ❌ | ❌ | 9.2 (SE Asia) |
| ABA SWIFT Direct | $25–$80+ (sending bank) | Free (non-USD) | 1–3 days | ❌ | ❌ | 7.5 |
| Traditional Bank SWIFT | $50–$100+ (7.3% avg) | Varies | 2–5 days | ❌ | ❌ | 4.0 |
ABA Bank — Complete Receiving Details (Copy for Your Sender)
If your sender needs the bank details to transfer money to your ABA Bank account in Cambodia, give them the following information exactly as written. Errors in bank name, SWIFT code, or account number are the most common cause of delayed or returned transfers.
📋 ABA Bank Inward SWIFT Details — Give This to Your Sender
Bank Name: Advanced Bank of Asia Limited (ABA Bank)
SWIFT Code: ABAAKHPP
Bank Address: #148, Preah Sihanouk Blvd., Phnom Penh 120102, Cambodia
Account Currency: USD (primary) or KHR
Account Holder Name: [Your full name as registered at ABA]
Account Number: [Your ABA account number]
Transfer Purpose: [e.g. “Family Support” or “Salary Payment”]
ABA Bank Inward SWIFT Fees — What You Pay on Your Side
| Sending Currency | ABA Inward Fee | Credited As | Notes |
|---|---|---|---|
| EUR, GBP, AUD, CAD, THB, SGD, CNY, VND, JPY | Free ⭐ | USD (converted) | ABA waives its inward fee. Converted to USD at ABA’s rate and credited to your USD account. |
| USD | ~$10 (community reported) | USD | A ~$10 minimum processing charge is widely reported by the ABA expat community. Not clearly published by ABA. Factor this into small USD transfers. |
| Cancellation / Return | $30 + up to $100 | Deducted | $30 cancellation fee if transfer is returned. $100 investigation fee if returned due to suspected fraud. Avoid by ensuring correct details. |
ABA Correspondent Banks — What Your Sender May Need
For some currencies, your sender’s bank will route the transfer through a correspondent bank. ABA Bank publishes its correspondent bank list on its SWIFT page by currency. The most commonly needed:
Key Correspondent Banks
USD: JPMorgan Chase Bank, New York
EUR: Deutsche Bank, Frankfurt
GBP: Barclays Bank, London
AUD: Commonwealth Bank of Australia, Sydney
SGD: DBS Bank, Singapore
JPY: Bank of Tokyo-Mitsubishi UFJ, Tokyo
MoneyKH Tip: SHA vs OUR
Ask your sender to select “OUR” charges if they want you to receive the full stated amount. Under SHA (shared charges), correspondent banks may deduct their own fees from the transfer amount — so you receive slightly less than expected. For exact-amount payments (rent, invoices), always request OUR. For personal transfers, SHA is acceptable. See our full guide to outward transfers from Cambodia for the full SHA vs OUR explanation.
Receiving Money via Wise — What Happens on Your End
When someone sends you money via Wise to your ABA Bank account in Cambodia, here is exactly what happens on the receiving side and what you need to do — which is nothing, beyond having a valid ABA account.
Wise routes its transfers through the SWIFT network using ABA’s correspondent banking infrastructure. From your side, a Wise transfer arrives as a standard inward SWIFT transfer — ABA Bank does not know the sender used Wise specifically. The transfer shows up in your ABA Mobile app with a notification, usually within 1–3 business days of the sender confirming the transfer on Wise. The ABA Mobile notification says “International Transfer Received” with the amount and a reference number.
✅ What Makes Wise the Best Sender for You
- Mid-market rate: Your sender pays no hidden FX markup — you receive more money versus other services
- Transparent: Sender sees exactly how much you will receive before confirming — no surprises
- No action needed on your side: Just share your ABA account details. Wise does the rest.
- Tracking: Sender receives email notifications at each stage — both of you can track the transfer
- Reliable delivery: Wise delivers to ABA Bank, ACLEDA Bank, Canadia Bank, Wing Bank, and others
⚠️ Wise Receiving Limitations
- ABA ~$10 inward charge: ABA Bank reportedly deducts ~$10 on incoming international wires regardless of provider. On transfers under $300, this is significant. On $500+, it is proportionally small.
- Not available outward from Cambodia: You cannot use Wise to send money out of Cambodia — only to receive. See our outward guide for alternatives.
- Bank account required: No cash pickup. Recipient must have an ABA or other supported Cambodian bank account.
The details your sender needs to send via Wise are the same as any inward SWIFT — ABA Bank name, SWIFT code (ABAAKHPP), your account number, and your registered name. The full details are in the ABA Bank receiving details section above.
Receiving Western Union — Cash Pickup Across Cambodia
Western Union is the right choice when the recipient does not have a bank account, when the money is urgent and needs to be available within hours, or when the recipient is in a provincial location. Cambodia has one of the densest Western Union agent networks in Southeast Asia, with over 1,500 pickup points operating through PPCBank, Sathapana Bank, ACLEDA Bank branches, and dedicated Western Union retail locations.
How to Collect a Western Union Transfer
Wing Bank — Best for Rural Cash Delivery Across All 25 Provinces
For recipients in provincial towns and rural areas where ABA Bank branches do not reach and Western Union agents are sparse, Wing Bank‘s 9,000+ agent network is the strongest receiving infrastructure in Cambodia. Wing agents extend to all 25 provinces and to district and commune levels that no commercial bank branch covers.
International remittances arrive at Wing via Wing Bank’s partnerships with 50+ overseas remittance services — including MoneyGram, Western Union, Ria, and dedicated corridor partners for South Korea, Japan, and Malaysia. The recipient can receive funds directly to their Wing Bank account (for instant ABA-style digital access) or collect cash at any Wing agent using their Wing app QR code or their phone number and ID.
Best Sending Corridors to Wing Bank
- 🇰🇷 South Korea → Cambodia: Wing Bank’s dominant corridor — Cambodian garment workers’ primary channel. Competitive rates via Wing Korea partners.
- 🇯🇵 Japan → Cambodia: Growing Cambodian workforce in Japan. Wing Japan partnerships offer competitive fees.
- 🇲🇾 Malaysia → Cambodia: Large Cambodian migrant workforce. DuitNow-Bakong linkage also available for some transfers.
- 🇹🇭 Thailand → Cambodia: Bakong cross-border QR or Wing. Both are effective.
- 🇺🇸 USA → Cambodia: Wing competitive but Wise → ABA typically cheaper for bank delivery.
Wing Bank Receiving Options
- Wing Bank account credit: Instant notification via Wing App — available immediately
- Wing agent cash pickup: Show Wing App QR or provide phone number + ID at any of 9,000+ Wing agents — no travel to a city required
- AliPay+/WeChat Pay: Chinese senders can use WeChat Pay or AliPay to send to Wing recipients in Cambodia
- Fee to receive: Generally free — sender pays the transfer cost
- Getting a Wing Bank account: Open in minutes via Wing App — no minimum balance, no branch visit required
Bakong Cross-Border QR — Free Receiving from Thailand, Malaysia, Vietnam
If someone in Thailand, Malaysia, or Vietnam wants to send you money, the Bakong cross-border QR system via ABA Mobile is the most cost-effective option available — for both sides. The sender scans your ABA Mobile QR code, pays in their local currency (THB, MYR, or VND), and the funds arrive in your ABA KHR account instantly, converted at the interbank rate, with no fees on either side.
🇹🇭
From Thailand
Thai PromptPay QR users can scan your ABA Mobile QR code. They pay in THB, you receive in KHR. Free. Instant. Works for border workers, Thai-based Cambodians, or anyone with a Thai bank app.
🇲🇾
From Malaysia
Malaysian DuitNow users can send to ABA Mobile QR. Pay in MYR, receive in KHR. Zero fees from ABA. Large Cambodian workforce in Malaysia makes this especially valuable.
🇻🇳
From Vietnam
VietQR Global-enabled Vietnamese bank apps can pay to ABA Mobile QR. Receive in KHR. Free and instant. Growing corridor for border trade and cross-border family transfers.
Receiving at ACLEDA Bank and Canadia Bank
ABA Bank is MoneyKH’s recommended receiving bank for international transfers primarily because of its free inward fee on non-USD currencies and its well-developed ABA Mobile notification system. However, ACLEDA Bank and Canadia Bank both accept inward SWIFT transfers and are valid alternatives — particularly for recipients who already hold accounts with those banks or whose SME banking relationships are with ACLEDA.
| Bank | SWIFT Code | Inward Fee | Processing | Best For |
|---|---|---|---|---|
| ABA Bank 🏆 | ABAAKHPP | Free (non-USD) ⭐ | 1–3 days | Best overall — free inward, excellent app, widely supported by Wise and other transfer services |
| ACLEDA Bank | ACLBKHPP | Varies | 1–3 days | SME owners and existing ACLEDA customers. Largest branch network — best for provincial recipients who prefer branch-based banking |
| Canadia Bank | CANAKHPP | Varies | 1–3 days | Existing Canadia customers, especially those holding Canadia fixed deposits — no need to open an additional ABA account |
5 Most Common Receiving Mistakes — And How to Avoid Them
Wrong account name
The most common cause of returned transfers. Your sender must enter your name exactly as it appears on your ABA Bank account registration — not your nickname, not a translated version, not a shortened form. Check your registered name in ABA Mobile under Profile before sharing it. Even “Sokha Chan” vs “Chan Sokha” (name order difference) can cause rejection at strict compliance banks.
Giving the wrong SWIFT code
ABA Bank’s SWIFT code is ABAAKHPP. Some online sources incorrectly list it as ABAAKHPPXXX — the XXX suffix is standard padding and both work, but verify on ababank.com directly before sharing. Do not take the SWIFT code from an email, invoice, or third-party website without checking.
Not factoring in the ~$10 ABA inward fee on USD transfers
If your sender is sending USD to USD and ABA deducts a ~$10 processing charge, the amount you receive will be $10 less than the stated transfer amount. On a $100 transfer, this is 10% — significant. On a $1,000 transfer, it is 1% — small. Budget for this on small USD transfers, or ask your sender to send a slightly larger amount to ensure you receive what you need.
Waiting too long to contact ABA if funds don’t arrive
If your sender confirms the transfer has left their account but you have not received it in 5 business days, contact ABA Bank directly with the sender’s transfer reference number (SWIFT reference). Do not wait — the investigation window for returned transfers has a time limit, and the $100 fraud investigation fee is only charged on returned funds if ABA suspects fraud, not for standard missing transfer enquiries.
Not having a bank account and missing cheaper options
If you regularly receive money from abroad via Western Union cash pickup because you have no bank account, the cumulative cost difference is significant. Opening an ABA Bank account takes one day and requires a Cambodian ID or passport — no minimum balance, no monthly fees. Once you have an ABA account, Wise transfers become available and you save 2–4% on every transfer received compared to Western Union’s exchange rate markup.
MoneyKH Verdict — Receiving Money in Cambodia 2026
Open an ABA account. Share ABAAKHPP. Tell your sender to use Wise. Everything else follows.
The single most impactful action for anyone regularly receiving money from abroad in Cambodia is opening a free ABA Bank account if they do not already have one. Once that account exists, the receiving side becomes straightforward: share the details, let Wise or the sending bank route to ABAAKHPP, and watch the ABA Mobile notification arrive. Western Union and Wing Bank remain important for the specific cases where they excel — rural cash delivery and the cash-only recipient. Bakong is transformative for SE Asia transfers but irrelevant for diaspora corridors to the USA, UK, Korea, or Japan. The key is choosing the right method for each situation rather than defaulting to the most familiar one.
Your ABA Bank Receiving Details
Bank: Advanced Bank of Asia Limited
SWIFT: ABAAKHPP
Address: #148 Preah Sihanouk Blvd., Phnom Penh
Account: [Your ABA account number]
Name: [Your name as registered at ABA]
Best by Situation
🏆 Cheapest: Wise → ABA Bank
⚡ Fastest: Western Union cash
🌾 Rural: Wing Bank agent
🌏 SE Asia: Bakong QR (free)
💼 Business: ABA SWIFT direct
Full Sending Guide →
Open ABA Account →
Send Money FROM Cambodia →
Frequently Asked Questions — Receiving Money in Cambodia 2026
Q: What is ABA Bank’s SWIFT code for receiving international transfers?
ABA Bank’s SWIFT code is ABAAKHPP. The full 11-character version is ABAAKHPPXXX, but ABAAKHPP is sufficient and is what ABA Bank itself publishes on its website. The bank’s full receiving details are: Bank Name — Advanced Bank of Asia Limited, SWIFT Code — ABAAKHPP, Address — #148 Preah Sihanouk Blvd., Phnom Penh 120102, Cambodia. You will also need to provide your ABA account number and your full registered name exactly as it appears on your ABA account.
Q: Does ABA Bank charge a fee for receiving international transfers?
ABA Bank waives its inward SWIFT fee on transfers received in EUR, GBP, AUD, CAD, THB, SGD, CNY, VND, and JPY — these currencies are credited to your USD account after conversion at ABA’s rate, with no inward fee from ABA Bank itself. For USD inward transfers, ABA Bank reportedly charges a minimum processing fee of approximately $10, based on widely reported community experience from the Cambodia expat community. This $10 charge is from ABA Bank, not from the sending service. Always verify current fee schedules directly with ABA Bank before large transfers.
Q: How long does it take to receive money from abroad at ABA Bank?
ABA Bank states that inward SWIFT transfers typically process in 3 business days. On major corridors such as USA → Cambodia via Wise, the funds often arrive within 1–2 business days. Transfers initiated late in the day, on weekends, or on Cambodian or sending-country public holidays may take an additional day. ABA Mobile sends an immediate in-app notification when the credit is processed. If funds have not arrived within 5 business days of the sender confirming dispatch, contact ABA Bank with the transfer reference number.
Q: Can I receive money from abroad without a bank account in Cambodia?
Yes. Western Union allows cash pickup at 1,500+ agent locations across Cambodia without a bank account — the recipient only needs a government-issued ID and the 10-digit MTCN code from the sender. Wing Bank’s 9,000+ agents also enable cash pickup without a bank account if the sender uses a Wing-partnered service and selects cash pickup. For regular remittances, MoneyKH recommends opening a free ABA Bank account — it takes one day and eliminates the Western Union exchange rate markup on every future transfer.
Q: Is there a maximum amount I can receive from abroad in Cambodia?
ABA Bank states there is no maximum amount for inward SWIFT transfers. However, large inward transfers (typically above $10,000) will trigger standard NBC Know Your Customer (KYC) and Anti-Money Laundering (AML) compliance checks. You may be contacted by ABA Bank to provide documentation explaining the source of funds for large or unusual transfers. This is standard compliance procedure under NBC regulations and is not unique to ABA Bank — all NBC-licensed institutions must conduct enhanced due diligence on large inward transfers.
Q: My transfer has not arrived — what should I do?
First, ask your sender to confirm the transfer was completed on their side and obtain the SWIFT reference number (also called the transaction reference or wire reference). Wait 5 business days from the sender’s confirmation date before escalating. If funds have not arrived after 5 business days, contact ABA Bank customer service in person or via the ABA Mobile chat with the sender’s SWIFT reference number. ABA can initiate a trace on the transfer. Common causes: incorrect account number (return takes 5–10 days), incorrect beneficiary name (return), or compliance hold at a correspondent bank (resolved within 5 days in most cases).
Q: Can I receive money from abroad into a Wing Bank account?
Yes. Wing Bank receives international remittances via its 50+ overseas partner services including MoneyGram, Western Union (to Wing wallet), Ria, and direct corridor partners for South Korea, Japan, and Malaysia. International transfers cannot be sent to a Wing account via Wise — Wise delivers to ABA, ACLEDA, and Canadia Bank primarily. Wing Bank is the best receiving option for recipients in rural areas and for Cambodians receiving regular remittances from South Korea or Japan via Wing’s dedicated corridor partnerships.
Q: What currency will I receive the transfer in at ABA Bank?
ABA Bank credits most inward SWIFT transfers in USD to the recipient’s USD account, regardless of the sending currency. Transfers sent in EUR, GBP, AUD, CAD, THB, SGD, CNY, VND, or JPY are converted to USD by ABA Bank at its prevailing rate and credited to your USD account. If you want to hold the equivalent in KHR, you can convert within ABA Mobile at any time at ABA’s USD/KHR rate. Bakong cross-border QR transfers from Thailand, Malaysia, or Vietnam credit your KHR account directly in KHR at the interbank conversion rate.
MoneyKH Weekly
Rate Changes · New Services · Free Every Tuesday
When ABA Bank updates its inward fee structure, a new remittance corridor launches to Cambodia, or Bakong expands to new countries, MoneyKH reports it immediately. Free every Tuesday.
More MoneyKH: Cambodia Remittance Guides
💸 Remittance
- Best Ways to Send Money TO Cambodia 2026 — Full Guide →
- How to Send Money FROM Cambodia Internationally 2026 →
- Bakong Payment System Complete Guide 2026 →
- Wing Bank Review 2026 — Remittance, App & Verdict →
🏦 Banking
- ABA Bank Review 2026 — Full Assessment →
- How to Open a Bank Account in Cambodia →
- Best Banks in Cambodia 2026 →
- Cambodia Savings Account Interest Rates 2026 →
Published by the MoneyKH Research Team. Last updated: April 2026. ABA Bank inward SWIFT details (SWIFT code ABAAKHPP, free inward fee on non-USD currencies, no maximum amount for inward transfers, 3-day processing time) sourced directly from ababank.com/swift-transfers/ and ababank.com/en/aba-news/free-inward-fee-for-swift-transfers/, verified April 2026. ABA Bank USD inward ~$10 fee based on widely reported Cambodia expat community experience — not formally published by ABA Bank. Correspondent bank details sourced from ABA Bank’s official SWIFT transfers page. Western Union agent count sourced from Western Union Cambodia. Wing Bank agent network figure sourced from Wing Bank official sources. This guide does not constitute financial advice. MoneyKH is an independent comparison platform — 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.
