Instant Account

Introducing ABA Instant Account in ABA Mobile for new-to-bank customers! Instant Account replaces the traditional method of opening a bank account that usually requires traveling to a bank branch and passing through lengthy formal procedures.

From now on, any Cambodian with a valid ID card who wishes to access modern digital banking services can open their first ABA account right through ABA Mobile in a few minutes!

Why ABA Instant Account?

Monitor your account balance, transactions and purchases in a few taps;
Open up to three mobile savings accounts;
Purchase Special Account Number;
Receive and transfer money instantly within Cambodia;
Pay all your bills including utilities, house loan repayments and mobile top-ups;
Pay cashless by scanning QR codes at your favorite shops, restaurants, and even online;
Make cardless cash withdrawal by sending cash to anyone;
Stay protected every time you log in and enjoy banking at zero risk.

Additional features

Create useful templates by adding your favorite transactions to the Template list;
Find ABA branch, ATM or other self-banking services closest to you;
Find places where you can scan QR to pay with ABA PAY easily;
Get instant notification after every transaction.

Eligibility

To open ABA Instant Account on the spot, you need to

Be new to ABA Bank;
Be at least 15 years old;
Have the original and valid Cambodian National ID.

How to open Instant Account in ABA Mobile app

Launch ABA Mobile app;
Select Open ABA Instant Account and accept the Terms and Conditions;
Enter your phone number and the One Time Password (OTP)¹ received via SMS;
Take photo of your Cambodian National ID and take a selfie;
Check your personal details and tap Confirm;
Select your preferred currency;
Create a Secret Word followed by a 4-digit PIN²;
Tap Start Banking³.

_{¹ If you made three unsuccessful attempts to input your OTP, you shall wait for an hour to try again.
² Your Secret Word and 4-digit PIN must be unique and shall not be shared to anyone and under any circumstances.
³ To replenish your new Instant Account, you can transfer from another ABA account, do cash deposits or transfer from any e-wallet supported by ABA Bank (Wing, TrueMoney, Bakong).}

Important information

Maximum daily debit limit is 10,000 USD / 40,000,000 KHR.
Maximum monthly debit limit is 50,000 USD / 200,000,000 KHR.

Get ABA Mobile
Terms and Conditions

Click the icon below to download the ABA Mobile application for free from Apple's App store, Google's Play Store or Huawei's AppGallery. After downloading, simply follow the screen instructions to start mobile banking!

For Instant Account Terms and Conditions please check here.

Need help?
FAQ

Contact us instantly without leaving the ABA Mobile app by tapping the Contact Us button on the app’s main screen. Additionally, you can chat with us via Facebook Messenger, on our website or call us 24/7 hotline at 098 203 203.

What is ABA Instant Account?

ABA Instant Account is a new feature in providing additional convenience to new-to-ABA customers to open their first bank account with ABA Bank instantly using ABA Mobile app without visiting the bank branches or filling in documents. All you need are a smartphone and your Cambodian National ID.

I am an existing ABA accountholder; can I use ABA Instant Account?

If you are an existing ABA accountholder, you should activate ABA Mobile application instead and experience the full-scale mobile banking service.

Is it eligible for foreigners?

Only someone with a Cambodian National ID can activated ABA Instant Account.

What should I do before taking photo of my Cambodian ID card?

Please make sure that it is your ID card and that it is in good condition (undamaged, clear and clean) and still valid before taking it in a well-lit surrounding.

Why the selfie I took is not processing?

Please make sure that you are in a well-lit surrounding, no shadow casts on your face, eyes open and that your face is not fully or partially covered by hair, eyeglasses, hat, mask and other items that could make you look different from your photo ID.

What should I do if after correctly followed the instructions, I still cannot open an account using ABA Instant Account?

Please chat with us on our official website or ABA’s Facebook official page, call us at 098 203 203, or email us via [email protected]ababank.com.

What are the main features eligible on Instant Account?

You can-Transfer between ABA accounts -Make cardless cash withdrawals (E-cash) -Transfer between wallets i.e. Bakong and Wing -Pay utility bills and do mobile top-ups -Pay cashless by scanning QR codes

Will I receive interest from my Instant Account?

Instant Account does not have any interest allocation.

What should I do if I wish to get full banking services on my Instant Account?

Please visit any ABA Bank branch and request for an upgrade to a standard bank account.

Do you charge closing fee for Instant Account?

If you close the account within 3 months from the opening date, a USD 20/KHR 80,000 fee will apply.

Can I request a passbook, or a bank card linked to my Instant Account?

Instant Account does not provide such facilities.

What should I do if I want to close my Instant Account?

Please visit any ABA Bank branch with your original and valid Cambodian National ID card to close it.

Do I have to pay any dormant fee?

If your Instant Account has been inactive for more than one year, a USD 10/KHR 40,000 dormant fee will be charged for each inactive year.

How many currencies are eligible for ABA Instant Account?

You can choose between USD and KHR when opening your Instant Account.

How can I deposit money into my Instant Account?

You can deposit money via ABA cash-in machines, transfer from your account with Bakong, Wing, TrueMoney or other ABA partners into your Instant Account.

How can I withdraw money from my Instant Account?

You can use ABA’s E-cash service for cardless cash withdrawals from any ABA’s ATM.

General Terms and Conditions, General Terms and Conditions for Online Services, and ABA Mobile Terms and Conditions apply. You need Adobe Reader to view this PDF files.