Mobile Joint Account

Mobile​ Joint​ Account​ is​ an​ extension​ of​ ABA​ Joint​ Account,​ which​ can​ now​ be​ opened​ in​ the​ ABA​ Mobile​ app​ instead​ of​ visiting​ the​ bank​ branch.

With​ ABA​ Mobile​ Joint​ Account,​ two​ or​ more​ people​ can​ make​ payments,​ withdraw/deposit​ cash,​ and​ issue​ cards​ for​ the​ Joint​ Account,​ while​ having​ equal​ access​ to​ the​ funds​ in​ the​ account.

Whether​ you​ are​ married,​ in​ a​ relationship,​ or​ want​ to​ manage​ money​ with​ someone​ else​ easily,​ ABA​ Mobile​ Joint​ Account​ is​ the​ right​ solution.

Why​ Mobile​ Joint​ Account?

  • Create​ on​ ABA​ Mobile​ instantly​ and​ for​ free​
  • ​Monitor​ inward​ and​ outward​ transactions​ in​ one​ place​ with​ ease
  • ​Get​ the​ interest​ rate​ of​ up​ to​ 0.75%​ p.a.​ for​ USD​ account​ and​ up​ to​ 1.50%​ p.a.​ for​ KHR​ account​ with​ different​ interest​ payout​ options
  • ​Enjoy​ zero​ fees​ for​ monthly​ account​ service


  • ​All​ Mobile​ Joint​ Account​ holders​ must​ be​ active​ ABA​ Mobile​ users​ and​ have​ at​ least​ one​ active​ full-fledged​ account.
  • ABA Instant Account holders must have their accounts verified at an ABA branch before opening a Mobile Joint Account.

How​ to​ create​ a​ new​ Mobile​ Joint​ Account

  1. Launch​ ABA​ Mobile​ and​ tap​ New​ Account;
  2. Select​ Mobile​ Joint​ Account​ from​ the​ list​ of​ available​ accounts;
  3. Accept​ the​ Terms​ and​ Conditions​ and​ tap​ CONTINUE;
  4. Choose​ KHR​ or​ USD​ as​ the​ Mobile​ Joint​ Account​ currency​ and​ tap​ CONTINUE;
  5. Add​ up​ to​ 5​ members​ by​ entering​ their​ ABA​ account​ numbers​ and​ tap​ ADD​ or​ choose​ them​ from​ your​ templates​ and​ tap​ CONFIRM;
  6. Press​ Share​ Link​ to​ send​ the​ invite​ link​ to​ all​ Joint​ Account​ members​ via​ any​ messenger​ app​ (valid​ for​ 48​ hours​ only);
  7. The​ invitees​ shall​ tap​ the​ invite​ link​ received​ to​ accept​ their​ participation​ in​ Mobile​ Joint​ Account.​ The​ account​ will​ be​ created​ automatically​ once​ all​ members​ accept​ the​ invitation.

There are various convenient ways to replenish your ABA account with cash or via instant cashless transfers from other banks and e-wallets.

Learn more

Interest rate (p.a.) in USD

Daily BalanceInterest Rate
USD ≤ 1,0000.00%
USD ≤ 10,0000.10%
USD ≤ 25,0000.15%
USD ≤ 50,0000.20%
USD ≤ 100,0000.30%
USD ≤ 500,0000.45%
USD > 500,0000.70%

Interest rate (p.a.) in KHR

Daily BalanceInterest Rate
KHR ≤ 20,000,0001.00%
KHR ≤ 100,000,0001.25%
KHR > 100,000,0001.50%


Opening​ channel​​ ABA​ Mobile​ app​ only
Accessible​ channel​​
  • ABA​ Bank​ Branches
  • ABA​ Mobile​ App
  • ATM​ (QR​ withdrawal​ and​ E-cash1​ cardless​ cash​ withdrawal​ )
  • Cash​ and​ Cheque​ Deposit​ Machine
  • Cash-in​ Machine
  • OTC​ (deposit​ only)​2
Minimum​ opening​ and​ ongoing​ balance N/A
Currency​ USD / KHR
Tax​ 4%​ for​ Resident​ or​ 14%​ for​ Non-Resident
Interest​ payment​ Monthly or upon account closure
Number​ of​ accounts​ No​ Limit
Maximum​ number​ of​ account​ holders​ 5
Condition​ to​ operate​ the​ account​Anyone​ of​ the​ joint​ holders
Account​ Facility
  • ABA​ Mobile
  • Card3
Early​ Closure​ ​USD​ 20 / KHR​ 80,000​ applied​ for​ closing​ the​ account​ within​ three​ months​ from​ the​ opening​ date
Deposit​ and​ withdrawal​​ ​​No​ Limit
Account​ closure
  • ​​​ABA​ Mobile​ app​ only
  • All​ account​ holders​ are​ required​ to​ consent​ to​ the​ account​ closure​ request4
Service​ fees​​ ​​Type​ of​ Service​ Fee
​Monthly​ account​ service​ ​​​Free​ of​ charge​
​​Mobile​ Banking ​Free​ of​ charge
​​Internet​ Banking​ for​ Business​ ​​Not​ applicable
Passbook ​​Not​ applicable
Dormant​ fee​5 USD​ 10 / KHR​ 40,000​
Account​ Statement​ Free​ of​ charge​ (you​ can​ download​ it​ from​ your​ ABA​ Mobile​ and​ print​ by​ yourself)
Plastic​ Cards​ Annual​ fee:​ (see​ our​ website)
Available​ services​ via​ ABA​ Mobile Accounts​ (view)​ Statement
Local​ and​ international​ transfers Payments​
​KHQR​ Payment​ ​QR​ withdrawal
​Cash-in​ via​ Cash-in​ Machine / CDM / Transfer​​ ​​E-Cash​ cardless​ cash​ withdrawal

*​ All​ Terms​ and​ Conditions​ are​ subject​ to​ ABA​ Bank’s​ sole​ discretion​ in​ changing​ without​ prior​ notice

1 E-cash service is subject to fees and charges. Please refer to E-Cash Product Terms and Conditions.
2 OTC withdrawal and account maintenance is not allowed.
3 The Bank will verify each of joint holders based on their existing profile with the Bank. For example, The Bank may use an existing specimen signature linked to another account, an Identification Document, or a Profile picture of a joint holder to validate and verify the joint holder before serving him/her.
4 Account closure request will expire 48 hours after the initial request by one of the account holders.
5 The System will automatically charge USD 10.00 if an account is not operative for 12 months or more.