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;
- 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.
There are various convenient ways to replenish your ABA account with cash or via instant cashless transfers from other banks and e-wallets.
Conditions
| Eligibility |
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| Requirements |
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| Opening channel | ABA Mobile app only (No maintenance of Account allowed Over the Counter) | ||||
| Accessible Channel | ABA Mobile app, Cash-in Machine, ATM, and OTC (subject to conversion to a standard account) | ||||
| Minimum opening balance | USD 0.00 or KHR 0.00 | ||||
| Minimum ongoing balance | USD 0.00 or KHR 0.00 | ||||
| Currency | USD or KHR | ||||
| Interest rate | No interest rate | ||||
| Accessibility | Deposit1 | Withdrawal2 | |||
| Limit | Max Single transaction limit | No Limit | USD 10,000 or KHR 40,000,000 | ||
| Max Single Daily limit | No Limit | USD 10,000 or KHR 40,000,000 | |||
| Max Monthly Limit (calendar month) | No Limit | USD 50,000 or KHR 200,000,000 | |||
| Account Facility |
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| Number of accounts | Two in dual currency (USD and KHR) | ||||
| Card Limit | Onshore4 | Offshore5 | |||
| Per Transaction Limit | USD 10,000 or equivalent | USD 200 | |||
| Daily Limit | USD 10,000 or equivalent | USD 200 | |||
| Monthly Limit | USD 50,000 or equivalent | N/A | |||
| Number of Accounts allowed | 2 only (USD and KHR) excluding Fixed Deposit Account6 | ||||
| Early closure | USD 20 or KHR 80,000 is applied for closing the account within 3 months from opening date | ||||
| Account Closure | ABA Branches (Customer is required to zeroize the balance before closure) | ||||
| Service fees | Monthly account service | Free of charge | |||
| Mobile Banking | Free of charge | ||||
| Passbook7 | Not applicable | ||||
| Dormant fee8 | USD 10 or KHR 40,000 per annum | ||||
| Certify Account balance | Not applicable | ||||
| Available Service | OTC Transaction (subject to conversion to a standard Bank account) | Cash-In via Cash-In Machine | |||
| Cards (plastic and virtual) issuance | Transfer between ABA Accounts | ||||
| Transfer between PSP wallets | QR payment as a buyer or as a seller9 | ||||
| Bill payment | E-Cash10 | ||||
| Open Fixed Deposit Account | |||||
| Restricted Service11 | International Inward Transfer | International Outward Transfer | |||
| Card to Card Transfer | |||||
| Conversion to Enjoy Full Service |
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*All Terms and Conditions are subject to ABA Bank’s sole discretion in changing without prior notice.
1 Customers can deposit through ABA Cash-In Machine and OTC.
2 Customers is required to use E-Cash for withdrawal or making payment on the mobile app.
3 Collection can be made at OTC or Card Embossing Machine
4 Onshore refers to card transaction performed with merchant located in Cambodia.
5 Offshore refers to card transactions performed with merchant located outside Cambodia.
6 Two accounts in dual currency i.e. USD and KHR will be opened at the same time.
7 No Passbook is provided. Customer is required to convert the account to Full Access before passbook can be given.
8 System will automatically charge USD 10.00 and KHR 40,000 if account is not operative for 12 months or more.
9 Customers can use the account to activate ABA Merchant and register the app as an individual seller
10 Use of E-cash service is subject to fee and charge. Please refer to E-Cash Product Terms and Conditions.
11 Customers will have a full access after the account has been converted at branch
12 ABA Mobile will have a full access immediately. Full access to OTC Transaction will be granted the next working day.
How to open Instant Account in ABA Mobile app
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1 If you made three unsuccessful attempts to input your OTP, you shall wait for an hour to try again.
2 Your 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).
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.
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.
General Terms and Conditions, General Terms and Conditions for Online Services, and ABA Mobile Terms and Conditions apply. You need Adobe Reader to view these PDF files.
