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Escrow​ Service

Whether​ you​ are​ an​ individual​ or​ a​ business,​ buying​ or​ selling​ land,​ property,​ shares,​ or​ acquiring/transferring​ ownership​ can​ be​ risky.​ You​ may​ be​ concerned​ about​ reliability​ of​ the​ other​ party​ or​ fraud.​ That's​ where​ ABA​ Escrow​ Service​ helps​ you​ –​ a​ reliable​ and​ secure​ method​ for​ buyers​ and​ sellers​ involved​ in​ high-value​ transactions.

How​ it​ works

ABA​ Escrow​ Service​ works​ in​ three​ simple​ steps:

  1. Buyer​ and​ Seller​ agree​ on​ the​ terms​ of​ the​ transaction.
  2. Buyer​ transfers​ funds​ to​ a​ designated​ Escrow​ account​ at​ ABA.
  3. ABA​ releases​ funds​ to​ the​ seller​ after​ the​ terms​ and​ conditions​ agreed​ by​ the​ parties​ have​ been​ fulfilled.

Why​ choose​ ABA​ Escrow​ Service

Reliability:​ We​ are​ a​ licensed​ Trustee​ Operator​ and​ the​ largest​ Cambodian​ commercial​ bank1​ with​ a​ solid​ shareholder,​ National​ Bank​ of​ Canada,​ so​ you​ gain​ peace​ of​ mind​ while​ performing​ large​ transactions​ with​ uncertain​ counterparts. ​

1 ABA Bank is the largest Cambodian commercial bank in Cambodia by total assets, gross loans, customer deposits and profitability based on the National Bank of Cambodia’s Annual Supervision Reports 2021 and 2025.

Flexibility:​ We​ can​ tailor​ our​ services​ to​ meet​ your​ needs,​ ensuring​ your​ transaction​ is​ completed​ smoothly​ and​ efficiently.

Examples​ of​ risks​ ABA​ Escrow​ Service​ can​ protect​ from

  1. Non-payment​ for​ the​ real​ estate​ sale:​ If​ you​ are​ a​ seller,​ you​ may​ be​ concerned​ about​ receiving​ payment​ for​ the​ property​ you​ sell.​ With​ ABA​ Escrow​ Service,​ your​ buyer​ can​ deposit​ the​ funds​ into​ an​ ABA​ Escrow​ account,​ and​ the​ funds​ will​ be​ released​ to​ you​ once​ all​ the​ agreement​ terms​ are​ met.​ It​ protects​ you​ from​ the​ risk​ of​ non-payment.
  2. Title​ transfer:​ If​ you​ are​ a​ real​ estate​ buyer,​ you​ may​ worry​ about​ the​ transfer​ of​ the​ property​ title​ to​ you.​ Using​ ABA​ Escrow​ Service​ protects​ you​ from​ the​ risk​ of​ the​ seller​ not​ delivering​ the​ title​ documents​ or​ delivering​ them​ improperly.
  3. Buying/selling​ shares:​ ABA​ Escrow​ Service​ ensures​ that​ the​ seller​ receives​ their​ funds​ and​ the​ buyer​ receives​ the​ shares​ they​ paid​ for.​ ABA​ will​ hold​ the​ purchase​ amount​ until​ specific​ conditions​ are​ met,​ including​ the​ transfer​ of​ ownership​ of​ the​ shares,​ confirmation​ of​ their​ authenticity,​ and​ verification​ that​ there​ are​ no​ liens​ or​ encumbrances​ on​ the​ shares.

Terms​ and​ Conditions

​Seller​ &​ Buyer's​ Eligibility​

​Individual

  • Be​ at​ least​ 18​ years​ old
  • Maintain​ at​ least​ one​ personal​ Savings​ or​ Current​ account​ at​ ABA​ Bank

Legal​ Entity

  • Be​ a​ fully​ registered​ company​ or​ branch
  • Maintain​ at​ least​ one​ Savings,​ Current,​ or​ Current​ PLUS​ account​ at​ ABA​ Bank
 
Currency ​USD​ or​ KHR​
Period​ of​ Escrow​ Deposit​ ​Up​ to​ 12​ months
Nature​ of​ Transaction​  
  • Sale​ and​ purchase​ of​ real​ estate​ property
  • Sale​ and​ purchase​ of​ shares
  • Any​ other​ commercial​ transaction​ under​ Cambodian​ law
 
Processing​ Fee​ Escrow amount Fee1
< USD 100,000​ USD 90
≥ USD 100,000 to < USD 500,000 USD 180
≥ USD 500,000 to < USD 1,000,000 USD 255
≥ USD 1,000,000 to < USD 5,000,000 USD 405
≥ USD 5,000,000 to < USD 10,000,000 USD 905
≥ USD 10,000,000 to < USD 20,000,000 USD 1,605
≥ USD 20,000,000 USD 2,755
Required​ Documents​

Individual

  • ​Executed​ Sale​ and​ Purchase​ Agreement;
  • National​ ID​ or​ Passport;
  • Family​ Book,​ if​ any. ​

Legal​ Entity

  • Executed​ Sale​ and​ Purchase​ Agreement;
  • Articles​ of​ Incorporation,​ Memorandum​ and​ Articles​ of​ Association​ (or​ similar​ constitutional​ document);
  • Certificate​ of​ Incorporation;
  • Business​ License​ (if​ any);
  • Patent​ Tax​ Certificate;
  • Company​ Extract​ (if​ any);
  • Shareholders​ Resolution;
  • Board​ of​ Directors​ Resolution​ (if​ any);
  • National​ ID​ or​ Passport​ of​ the​ representative​ of​ the​ legal​ entity;
  • Family​ Book​ of​ the​ representative​ of​ the​ legal​ entity​ (if​ any).
 
Other​ conditions​ A​ lawyer​ witnesses​ the​ signatures​ of​ Buyer​ and​ Seller​ (in​ most​ cases,​ the​ lawyer​ is​ appointed​ by​ both​ Buyer​ and​ Seller)

ABA​ Bank,​ at​ its​ sole​ discretion,​ may​ change​ any​ of​ the​ above​ Escrow​ Terms​ and​ Conditions​ at​ any​ time​ and​ without​ prior​ notice

1 The promotional fee is effective until 30th June 2026

For​ more​ information​ on​ how​ to​ use​ Escrow​ Service​ from​ ABA​ Bank,​ call​ 1​ 800​ 203​ 203​ (toll-free​ inside​ Cambodia)​ or​ email​ us​ at​ info@remove-this.ababank.com.

General Terms and Conditions and General Terms and Conditions for Online Services apply. You need Adobe Reader to view these PDF files.