Fixed Deposit

With​ ABA​ Fixed​ Deposit,​ you​ make​ your​ money​ work​ hard​ and​ know​ exactly​ what​ you​ will​ get.​ The​ Fixed​ Deposit​ account​ can​ be​ opened​ in​ USD​ and​ KHR​ at​ any​ ABA​ branch​ or​ just​ in​ a​ few​ taps​ on​ the​ ABA​ Mobile​ app!​

For a limited period of time, enjoy our higher promotional interest rates for Fixed Deposits in KHR and USD!

Fixed​ Deposit​​ opened​ over​ the​ counter​ (p.a.)1

Term Interest at Maturity Monthly Interest
1 Month 2.00%  N/A
3 Months 3.75% 3.25%
6 Months 4.50% 4.00%
12 Months 5.75% 5.00%
24 Months 5.75% 5.00%
36 Months 5.75% 5.00%
48 Months 5.75% 5.00%
60 Months 5.75% 5.00%
Term Interest at Maturity Monthly Interest
1 Month 1.50%
3 Months 2.25%
6 Months 3.00% 2.75%
12 Months 4.25%
24 Months 4.25%
36 Months 4.25%

Fixed​ Deposit​​ opened​ in​ ABA​ Mobile​ (p.a.)

Term Interest at Maturity Monthly Interest
1 Month 2.00%  N/A
2 Months 2.88%  N/A
3 Months 3.75% 3.25%
4 Months 4.00%  N/A
5 Months 4.25%  N/A
6 Months 4.50% 4.00%
7 Months 4.67%  N/A
8 Months 4.83%  N/A
9 Months 5.00%  N/A
10 Months 5.17%  N/A
11 Months 5.33%  N/A
12 Months 5.75% 5.00%
24 Months 5.75% 5.00%
36 Months 5.75% 5.00%
48 Months 5.75% 5.00%
60 Months 5.75% 5.00%
Term Interest at Maturity Monthly Interest
1 Month 1.50%
2 Months 1.88%
3 Months 2.25%
4 Months 2.42%  N/A
5 Months 2.83%  N/A
6 Months 3.00% 2.75%
7 Months 3.17%  N/A
8 Months 3.33%  N/A
9 Months 3.50%  N/A
10 Months 3.67%  N/A
11 Months 3.83%  N/A
12 Months 4.25% 4.00%
18 Months 4.25%  N/A
24 Months 4.25% 4.00%
30 Months 4.25%  N/A
36 Months 4.25% 4.00%


Currency USDKHR
Minimum initial deposit100 400,000
Flexible interest payment
  • Monthly interest payment; or
  • On the maturity date of Fixed deposit; or
  • Upon closure of the account on maturity
Fixed deposit certificate2Free
Monthly account serviceFree
Mobile BankingFree
Withdrawals3Not allowed for partial withdrawal
Access to deposit
  • ABA Bank Branches
  • Mobile Banking

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

1 Interest rates are subject to change at the Bank's sole discretion without prior notice to clients.
2 USD 5/KHR 20,000 fee is applied for re-issuing a Fixed Deposit Certificate.
Interest​ Payment​ at​ Maturity:​ If​ the​ account​ is​ closed​ before​ maturity,​ Savings​ rate​ will​ BE​ applied.
Monthly​ Interest​ Payment:​ If​ the​ account​ is​ closed​ before​ maturity,​ Savings​ rate will​ NOT​ be​ applied. If​ there​ is​ some​ interest​ paid​ to​ the​ customer,​ the​ same​ amount​ will​ be​ deducted​ from​ the​ principal​ of​ the​ Fixed​ Deposit.


  • Earn high return on your money for a fixed term without impact of movement of interest rates in the market;
  • Have high flexibility to manage both principal and interest received by setting standing order instruction to (i) close on maturity, (ii) renew only principal or (iii) renew both principal and interest;
  • Get a free Credit Card for a minimum deposit balance of USD 3,000 or more (terms and conditions apply).

You can open the account instantly in the ABA Mobile app or at any ABA Bank branch. Here are the requirements for the account opening at our branch:

For locals

  • Be at least 15 years old;
  • Bring​ the​ original​ and​ valid​ National​ ID​ or​ Passport;
  • Complete our Application form.

For foreigners

  • Be at least 18 years old;
  • Bring​ the​ original​ and​ valid​ Passport​ (with​ valid​ visa)​ and​ any​ document​ that​ proves​ your​ residential​ status4;
  • Complete our Application form.

4 Proof of residence includes the followings:

  • Multiple-entry​ visa​ without​ leaving​ the​ country​ for​ at​ least​ 182​ days​ in​ a​ year;
  • Proof​ of​ residence​ (house​ rental​ contract.​ certificate​ of​ residential​ address,​ hotel​ lease/bill)​ including​ a​ minimum​ of​ 6​ months​ tenor​ in​ the​ contract;​ or​
  • Proof​ of​ employment​ (employment​ contract,​ certificate​ of​ employment)​ indicating​ a​ minimum​ of​ 6​ months​ employment​ or​ business​ license/certificate​ (if​ self-employed).


  • ​Customer​ must​ meet​ all​ the​ outlined​ requirements​ before​ opening​ an​ account.

For​ further​ information,​ please​ visit​ your​ nearest​ ABA​ Bank​ branch​ or​ give​ us​ a​ call​ at​ 1 800 203 203.

It's an account that provides a fixed rate of return for the term of the product. With no monthly fees, you are guaranteed a specific amount at the maturity date provided.
The required documents for Fixed Deposit are:
  • For individual
    Original National ID for resident
    Original passport and valid visa for non-resident

  • For corporate/organization
    Business registration letter from Ministry of Commerce;
    License, Business Memorandum and company seal;
    Copy of board of director's passport or ID with specimen of their original signature and stamp
The maturity date is the day the current term ends and the funds are now available to the customer for any changes. To find your maturity date, refer to your statement or your original certificate of FD.
There is no monthly maintenance fee for Fixed Deposit.
The minimum balance for opening a Fixed Deposit is $100.
The maximum balance per Fixed Deposit account is unlimited.
If you do not come to your home branch of opening account to close your account and get your principal money and interest rates, your FD will be automatically renewed to the same term at the current interest rate and at the time of maturity.
You can go to visit your home branch of opening account. There will be no penalty for early closing account. However, savings interest rate will be applied for pre­maturity withdrawal. Interests paid including tax shall be returned (pre­maturity withdrawal) if pre­mature withdrawal of monthly interest payment Fixed Deposit is requested.