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;
  • Open​ up​ to​ three​ mobile​ savings​ accounts;
  • Purchase​ Special​ Account​ Number;
  • 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.


To open ABA Instant Account on the spot, you need to

  • Be new to ABA Bank;
  • Be at least 15 years old;
  • Have the original and valid Cambodian National ID.

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).

Important information

  1. Maximum daily debit limit is 10,000 USD / 40,000,000 KHR.
  2. Maximum monthly debit limit is 50,000 USD / 200,000,000 KHR.

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 [email protected]
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.