Savings Account

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

ABA​ Savings​ Account​ comes​ with​ zero​ opening​ and​ ongoing​ balance,​ supports​ unlimited​ deposits​ and​ withdrawals,​ and​ offers​ an​ attractive​ interest​ rate​ of​ up​ to​ 1.5%​ p.a.!

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.) in USD

Daily BalanceInterest Rate
USD ≤ 1,0000.00%
USD ≤ 10,0000.10%
USD ≤ 25,0000.15%
USD ≤ 50,0000.20%
USD ≤ 100,0000.30%
USD ≤ 500,0000.45%
USD > 500,0000.70%

Interest rate (p.a.) in KHR

Daily BalanceInterest Rate
KHR ≤ 20,000,0001.00%
KHR ≤ 100,000,0001.25%
KHR > 100,000,0001.50%


Initial opening balance for residentsN/A
Initial opening balance for non-residentsN/A
Minimum ongoing balanceN/A
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 notesAny types of fit KHR note will be accepted at with some applicable charges3
Interest paymentMonthly or upon account closure
Early closure4Fee 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
Monthly account serviceFree
Passbook5USD 5/book
Mobile Banking6Free
ATM card7Free
Dormant fee8USD 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

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

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 EOD is more than the defined threshold, a higher interest rate will be applied.
3 Fee of different types of notes and quantity. Charge is applied on total sum of small notes link here.
4 Customers are required to return passbooks, cards, and any given account facilities to the Bank.
5 Fee of USD 5 is applied for issuance & re-issuance.
6 It’s available for personal account only.
7 USD 5 / KHR 20,000 is applied for card replacement either lost or damaged; excluding expired card/ broken chip or magnetic strip.
8 System will automatically charge USD 10 if account is not operative for 12 months or more, except Government Inst.

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

  • Free access to your account through ABA Mobile app
  • Flexibly earn money on your money – interest is accrued on daily basis and paid on semi-annual 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 notification about your account for free by using ABA Mobile app.

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

  • 18​ years​ old​ and​ above;
  • Original​ and​ Valid​ Passport​ (not​ expired)​.
  • Valid​ Visa​ (not​ expired)—any​ type​ of​ visa​ approved​ by​ The​ Government​ of​ Cambodia​ is​ acceptable.​ Such​ visas​ may​ include,​ but​ not​ limited​ to​ a​ stamp​ entry​ visa​ (for​ foreigner​ from​ ASEAN​ country​ members),​ E-Visa,​ Visa​ on​ Arrival​ or​ any​ other​ type​ of​ visa​ introduced​ from​ time​ to​ time​ by​ the​ Government​ of​ Cambodia.​
  • Submit​ one​ the​ following​ documents​ to​ proof​ the​ residency​ status:​

    • A​ Visa​ period​ of​ 6​ months​ or​ longer,​ or
    • Many​ visas​ which​ are​ consecutively​ issued​ to​ the​ holder,​ with​ a​ combined​ visa​ period​ of​ not​ less​ than​ 6​ months​ or​ 182​ days,​ or
    • House​ rental/lease​ contract,​ certificate​ of​ residential​ address,​ hotel​ lease / bill​ indicating​ a​ tenor​ of​ not​ less​ than​ 6-month​ tenor,​
    • Proof​ of​ employment​ indicating​ at​ least​ 6-month​ employment​ period.​ Proof​ of​ employment​ may​ include​ employment​ contract,​ certificate​ of​ employment,​ employee​ ID​ with​ photo​ (indicating the date of issuance to the date of account opening not less than 6 months or 182 days),​ or
    • Proof​ of​ business​ ownership​ if​ self-employed​ i.e.​ business​ license / certificate​ or​ patent

  • Complete​ our​ Application form.


  • ​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.

ABA Savings account is the most efficient and secures way to start saving.
Savings Account has ZERO minimum balance.
For opening Savings account, clients are required:
  • Maintain initial opening balance US$10 for residents, US$50 for non-residents, and US$100 for company.
  • Customer can conveniently withdraw their balance anytime and with no limits at our 24/7 ATM or at any ABA branch.
The benefits of Savings account are:
  • Free access to your account through ABA Mobile app and ABA Business
  • Free monthly account statement (upon customer request)
  • Free standing order service
ABA offer competitive rate which will be changed from time to time. Please refer to conditions above for the latest update.
Your Savings account interest can be paid semiannually or upon account closure.
ABA will offer extra benefits to customer in some conditions. The customers with deposit balances of US$3,000 or more are eligible for free ABA Credit Card, with below conditions applied:
  • Free Standard MasterCard Credit Card for deposit balances from US$3,000 to 9,999;
  • Free Visa Credit Platinum Lite for deposit balance of US$10,000 or more.
  • Customer can get up to 90% of blocked deposit balances as credit limit (or minimum credit limit of US$500)
For Savings account, customer can deposit funds and withdraw balance anytime with no limits.
You can visit your home branch. There will be no penalty for closing account after three months from opening date. However, US$20 will be applied from customer if there is early account closing within three months.
Visit any ABA branch close to you and talk to our Relationship Manager or contact our Contact Center to arrange an appointment with our Relationship Manager.