ABA BankABA Bank
Personal
Business
Personal
Business

Fixed Deposit

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Make your money work hard for you and know exactly what you will get. Choose the term of the deposit between 1 to 36 months on your Fixed Deposit Account and earn interest at competitive rates!

Interest rate (p.a.)1

TermInterest at MaturityMonthly Interest
USDKHRUSDKHR
1 month0.75%2.25%N/AN/A
3 months1.50% 4.00%1.25%3.75%
6 months2.75%4.75%2.50%4.50%
12 months3.50%5.00%3.25%4.75%
24 months3.60%N/A3.35%N/A
36 months3.70%N/A3.45%N/A

Conditions

Currency USDKHR
Minimum initial deposit100 400,000
Flexible interest payment
  • Monthly interest payment; or
  • On the maturity date of Fixed deposit; or
  • Upon account closure
Service feesFixed deposit certificate2Free
Monthly account serviceFree
Internet Banking3Free
Mobile BankingFree
Withdrawals4Not allowed for partial withdrawal
Access to deposit
  • ABA Bank Branches
  • Internet Banking
  • 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.
3 USD 25 fee for Access Card and Dynamic authentication device.
4 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.

Benefits

  • 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​ Fixed​ Deposit​ at​ any​ ABA​ Bank​ branch.​ To​ open​ the​ deposit,​ you​ need​ to:

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​ original​ and​ valid​ Passport​ and​ any​ document​ that​ proves​ your​ residential​ status1;
  • Complete our Application form.

1 Proof of residence includes the followings:

  • One-time​ visa​ or​ multiple​ visas​ with​ consecutive​ 182-day​ stay​ or​ more​ from​ one​ visa​ to​ another;​ or
  • House​ rental​ contract​ (hotel​ bill)​ indicating​ at​ least​ 6-month​ tenor,​ or
  • Proof​ of​ employment​ (employment​ contract,​ certificate​ of​ employment,​ or​ business​ license​ for​ self-employed)​ indicating​ at​ least​ 6-month​ employment.

For​ further​ information,​ please​ visit​ your​ nearest​ ABA​ Bank​ branch​ or​ give​ us​ a​ call​ at​ (+855)​ 23​ 225​ 333.

What is a Fixed Deposit?
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.
What documents are required for opening Fixed Deposit?
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
What is the maturity date of a Fixed Deposit?
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.
Is there monthly maintenance fee for Fixed Deposit?
There is no monthly maintenance fee for Fixed Deposit.
What is the minimum balance for a Fixed Deposit?
The minimum balance for opening a Fixed Deposit is $100.
What is the maximum deposit that I can make to Fixed Deposit?
The maximum balance per Fixed Deposit account is unlimited.
Does my Fixed Deposit automatically renew at maturity date?
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.
How can I close my account?
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.

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