Savings Account

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

Interest rate (p.a.)

Daily Balance
Interest Rate1
Less than USD 1,0000.15%
More than USD 1,0000.25%
Less than KHR 4 million0.75%
More than KHR 4 million1.25%


Initial opening balance for residents21040,000
Initial opening balance for non-residents250200,000
Minimum ongoing balance1040,000
Interest paymentSemi-annual (fiscal year) or upon account closure
Inter-regional branch cash deposit / withdrawal (daily limit)330,00020,000,000
ReplenishmentUnlimited transactions in cash or non-­cash forms are allowed
Monthly account serviceFree
Internet Banking4Free
Mobile BankingFree
Access to the deposits
  • ABA Bank branches
  • Cash-In Machines5
  • Internet Banking
  • Mobile Banking
  • UnionPay Card / Mastercard / Visa Card

1 Interest rate is accrued at 365 (three hundred sixty-five) days a year, considering actual quantity of days a month.
Fee of USD 20 / KHR 80,000 is applied for closing the account within 3 months from opening date.
In case of exceeding the daily limit, 0.10% or minimum $1 (whichever higher) fee will be applied.
4 USD 25 fee for Access Card and Dynamic authentication device.
5 Now available for USD currency only.

Along with the interest rate on your funds, some additional features are available:

  • Free Email notification for Inward and Outward transactions
  • Free access to your account through Internet Banking1 and ABA Mobile app
  • Free monthly account statement (upon customer request)
  • Free standing order service.

1 Free SMS Dynamic Authentication mode. One-­off fee USD 25 for a CryptoCalculator Device.

  • 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, iBanking 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​ Savings account​ 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.

ABA Savings account is the most efficient and secures way to start saving.
The minimum balance of Savings account is $10.
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 iBanking
  • 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.

General Terms and Conditions apply. You need Adobe Reader to view this PDF files.

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