Savings Account

ABA Savings account is your most efficient and secure way to start saving.

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.)1 in USD

Daily Balance Company Government Inst.
USD ≤ 1,000 0.00% 0.00%
USD ≤ 10,000 0.10% 0.10%
USD ≤ 25,000 0.15% 0.15%
USD ≤ 50,000 0.20% 0.20%
USD ≤ 100,000 0.30% 0.30%
USD ≤ 500,000 0.45% 0.45%
USD > 500,000 0.70% 0.70%

Interest rate(p.a.) ​in KHR

Daily Balance Company Government Inst.
KHR ≤ 20,000,000 1.00% 1.00%
KHR ≤ 100,000,000 1.25% 1.25%
KHR > 100,000,000 1.50% 1.50%


Initial opening balance
Business100 400,000
 Government Inst.
100 400,000
Minimum ongoing balance
 Business10 40,000
 Government Inst.
10 40,000
WithdrawalsUnlimited withdrawals, in cash or non-cash forms, are allowed at any time and in any amount upon the condition of minimum ongoing balance preserved on the account
Acceptant notes2Any types of fit KHR note will be accepted at with some applicable charges
Interest paymentMonthly (Company) and Semi Annual (Government) or upon account closure
Early closure3Fee of USD 20 / KHR 80,000 is applied for closing the account within 3 months from opening date
ReplenishmentUnlimited transactions in cash or non-­cash forms are allowed
Service feesMonthly account serviceFree
Passbook4USD 5 / KHR 20,000/book
ABA BusinessRefer to ABA Business T&C here
Dormant fee5USD 10 / KHR 40,000/p.a.
Certify account balanceUSD 10 / KHR 40,000/piece
Audit confirmationUSD 10 / KHR 40,000/time
Nostro or Banker checkUSD 10 / KHR 40,000/check

Free issuance and annual maintenance fees of Credit Card for primary holder with below conditions:

  • Mastercard Credit Standard/Visa Credit Classic: customers shall maintain deposit balance of USD 3,000 - 5,000 as security. The customer can choose credit limit from USD 500 - 4,500 or up to 90% of security deposit.
  • Visa Platinum Lite: customer shall maintain deposit balance from USD 5,001 or more as security. The customer can choose credit limit from USD 1,000 - 12,500 or 90% of security limit (whichever limit is lower).

All Terms and Conditions are subject to ABA Bank’s sole discretion without prior notice.

1 Interest rate is accrued on 365 (three hundred sixty-five) days a year, considering actual quantity of days a month. Further, if total balance at End of Day (EOD) is less than and/or equivalent to the defined threshold, a lower interest rate will be applied for accruals. In contrast, if total balance at EODis more than the defined threshold, a higher interest rate will be applied.
2 Fee is applied to different types of notes and quantity. charge is applied on total sum of small notes link here.
3 Customers are required to return passbooks, cards, and any given account facilities to the Bank.
4 Fee of USD 5 is applied for issuance & re-issuance. 
System will automatically charge USD 10 if account is not operative for 12 months or more, except Government Inst.

You can

  • Flexibly earn money on your money – interest is accrued on daily basis and paid on semiannual basis or
    upon account closure;
  • Conveniently access your account balance through Debit Master or Visa Card, ABA Business or visiting one of the ABA Bank’s Branches;
  • Flexibly withdraw funds from your current account at any time provided that the minimum ongoing balance is preserved on the account without any additional cost;
  • Transact inward & outward remittances necessary balance to be used while remaining balance keeps earning money for you;
  • Deposit additional funds into your account without restriction;
  • Feel secured with getting instant information about your account for free by using our Email Notification ­Service.


Along with the interest rate on your funds, you also get:


To open a corporate account, you need to provide the following documents:

  • Original and latest Memorandum and Articles of Association (M&A) signed by all directors of the Company.
  • Certificate of Commercial Registration / Incorporation issued by Ministry of Commerce or a printed version of Certificate of Registration with QR code.
  • Original Board of Directors Resolution to appoint signatory(ies) and account mandate.
  • Original and valid National ID or Passport of all Shareholders and Directors.
  • Original and valid National ID or Passport of all Authorized Signatory(ies).
  • Business Tax Patent (if applicable).
  • Business License issued by relevant ministry and/or authority (if applicable).
  • Letter of Approval from relevant ministry or authority (if applicable).
  • Sample of Board of Director Resolution (please use company’s letterhead and incorporate the content in the sample Board of Director Resolution where applicable).

And, fill in the following forms:

Additional requirements:

  • Company seal to be appended on Board of Director Resolution and other relevant documents (where applicable).
  • Customer is required to disclose Tax Registration number (TRN) or Tax Identification number (TIN) where applicable.
  • Authorized Signatory(ies) is/are required to be present at the Bank or in front of a Bank staff.

- Account for Financial Institutions: Requirements may differ, please contact our branch for more information.
- In addition to the required documents for account opening above, customers shall also comply with the Bank's onboarding policies and processes before the account opening.

The​ requirements​ for​ amending​ corporate​ Fixed​ Deposit​ account​ are;

The​ documents​ requirement

  • Original​ Memorandum​ and​ Article​ of​ Association​ (if​ any​ update)​
  • Original​ Board​ of​ Directors​ Resolution​ for​ account​ amendment​ (if​ add,​ remove​ signatory(ies)​ or​ change​ account​ mandate)
  • Original​ Board​ of​ Directors​ Resolution​ for​ ABA Business​ Amendment​ (if​ there​ is​ change​ of​ authorizer​ in​ ABA Business)​
  • Certificate​ of​ Commercial​ Registration​ /​ Incorporation​ issued​ by​ Ministry​ of​ Commerce​ or​ a​ printed​ version​ of​ Certificate​ of​ Registration​ with​ QR​ code​ (if​ any​ update)
  • Original​ and​ valid​ National​ ID​ or​ Passport​ of​ new​ Shareholder(s)​ and​ Director(s)
  • Original​ and​ valid​ National​ ID​ or​ Passport​ of​ new​ Authorized​ Signatory (ies).

Other​ requirements​ you​ may​ need​ to​ take​ note

  • Company’s​ seal​ is​ to​ be​ appended​ on​ Board​ of​ Director​ Resolution​ or​ any​ relevant​ documents.
  • All​ signatory(ies)​ is/are​ required​ to​ present​ at​ Bank’s​ counter​ or​ in​ front​ of​ Bank​ staff.
  • Corporate​ Card​ that​ belongs​ to​ the​ removed​ signatory(ies)​ must​ be​ returned​ to​ the​ bank.
  • Corporate​ Card​ linked​ to​ Corporate​ Account​ is​ to​ be​ returned​ to​ bank​ if​ account​ mandate​ change​ to​ other​ rather​ than​ “Anyone​ to​ Sign”.


  • Financial​ Institution:​ The​ requirements​ may​ differ,​ please​ contacts​ our​ branch​ for​ more​ information.
  • Customer​ will​ need​ to​ pass​ the​ bank’s​ onboarding’s​ process​ before​ account​ amendment.