Savings Account
ABA Savings account is your most efficient and secure way to start saving.
Earn and enjoy much higher interest per annum with Savings account in Khmer riels! To open your ABA account in KHR, just launch ABA Mobile, tap the New Account button, select Mobile Savings Account from the list, and choose KHR for your new account currency.
If you are not an ABA customer yet, you can open your first ABA account in the ABA Mobile app instantly and without coming to our branch!1
1 To open an ABA Instant Account, a valid Cambodian ID card is required.
Interest rate (p.a.) in USD
| Daily Balance | Interest Rate2 |
| USD ≤ 1,000 | 0.10% |
| USD ≤ 10,000 | 0.15% |
| USD ≤ 25,000 | 0.20% |
| USD ≤ 50,000 | 0.25% |
| USD ≤ 100,000 | 0.35% |
| USD ≤ 500,000 | 0.50% |
| USD > 500,000 | 0.75% |
Interest rate (p.a.) in KHR
| Daily Balance | Interest Rate |
| KHR ≤ 20,000,000 | 1.00% |
| KHR ≤ 100,000,000 | 1.25% |
| KHR > 100,000,000 | 1.50% |
Conditions
| Currency | USD | KHR |
| Initial opening balance for residents | N/A | |
| Initial opening balance for non-residents | N/A | |
| Minimum ongoing balance | N/A | |
| Withdrawals | Unlimited 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 account3 | |
| Acceptant notes | Any types of fit KHR note will be accepted at with some applicable charges4 | |
| Interest payment | Semi-annual (fiscal year) or upon account closure | |
| Early closure5 | Fee of USD 20/KHR 80,000 is applied for closing the account within 3 months from opening date | |
| Replenishment | Unlimited transactions in cash or non-cash forms are allowed | |
| Monthly account service | Free | |
| Passbook6 | USD 5/book | |
| Mobile Banking7 | Free | |
| ATM card8 | Free | |
| Dormant fee9 | USD 10 / KHR 40,000/p.a. | |
| Certify account balance | USD 10 / KHR 40,000/piece | |
| Audit confirmation | USD 10 / KHR 40,000/time | |
| Nostro or Banker check | USD 10 / KHR 40,000/check | |
All Terms and Conditions are subject to ABA Bank’s sole discretion without prior notice to customers.
2 Interest rate is accrued at 365 (three hundred sixty five) days a year, considering actual quantity of days a month.
3 0.10% or minimum of USD 1 (whichever higher) for the amount exceeds the defined daily limit of USD 30,000 for cash transaction either deposit or withdrawal through interregion of branch operations.
4 Fee of different types of notes and quantity. Charge is applied on total sum of small notes link here.
5 Customers are required to return passbooks, cards, and any given account facilities to the Bank.
6 Fee of USD 5 is applied for issuance & re-issuance.
7 It’s available for personal account only.
8 USD 5 / KHR 20,000 is applied for card replacement either lost or damaged; excluding expired card/ broken chip or magnetic strip.
9 System will automatically charge USD 10 if account is not operative for 12 months or more.
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
- Be at least 18 years old;
- Bring the original and valid Passport (with valid visa) and any document that proves your residential status1;
- Complete our Application form.
1 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).
Note:
- 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.
- 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.
- Free access to your account through ABA Mobile app and ABA Business
- Free monthly account statement (upon customer request)
- Free standing order service
- 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)
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.
