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.

Learn more


  • Cambodian National only
  • At least 15 years of age or above on the date of subscription to the Instant Account
  • Owns a valid and original identification document: Cambodian National ID only (Passport is currently not allowed)
  • A new customer to ABA
  • Applicable for ABA Mobile app user only
  • Applicable for single accountholder only
  • Owns a Cambodian phone number, which has never been used for ABA Mobile registration
  • Owns a capable Smartphone with good quality camera and the ability to take a clear picture of the identification document and a selfie photo of the owner
  • Ability to activate Instant Account within defined timeline
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
  • ABA Mobile
  • Cards3
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
  • Can be converted at any ABA branch
  • Account will have full access immediately12

*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

  1. Launch​ ABA​ Mobile​ app;​
  2. Select Open ABA Instant Account and accept the Terms and Conditions;
  3. Enter your phone number and the One Time Password (OTP)1 received via SMS;
  4. Take a selfie and take photo of your Cambodian National ID;
  5. Check your personal details and tap Confirm;
  6. Create a 4-digit PIN2;
  7. 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 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.

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.
If you are an existing ABA accountholder, you should activate ABA Mobile application instead and experience the full-scale mobile banking service.
Only someone with a Cambodian National ID can activated ABA Instant Account.
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.
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.
Please chat with us on our official website or ABA’s Facebook official page, call us at 098 203 203, or email us via
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
Instant Account does not have any interest allocation.
Please visit any ABA Bank branch and request for an upgrade to a standard bank account.
If you close the account within 3 months from the opening date, a USD 20/KHR 80,000 fee will apply.
Instant Account does not provide such facilities.
Please visit any ABA Bank branch with your original and valid Cambodian National ID card to close it.
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.
You can choose between USD and KHR when opening your 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. 
You can use ABA’s E-cash service for cardless cash withdrawals from any ABA’s ATM.
Instant Account is available for use within Cambodia only.