ACLEDA Bank is one of Cambodia’s largest and most trusted financial institutions. With the largest branch network in the country, a strong commitment to financial inclusion, and a rapidly expanding digital platform, it serves millions of customers from Phnom Penh to the most remote rural villages. This comprehensive review covers everything you need to know about ACLEDA Bank in 2026 – from its history and key products to fees, interest rates, recent developments, and why it remains a top choice for both local residents and expats.
⚡ Quick Overview
| Item | Details |
|---|---|
| Full name | ACLEDA Bank Plc. |
| Founded | January 1993 (as a national NGO); became a commercial bank in 2003 |
| Parent company | Publicly traded on the Cambodia Securities Exchange (CSX) |
| Headquarters | Phnom Penh, Cambodia |
| Branches | 263 branches across all provinces and towns of Cambodia |
| Employees | 12,039 (bank only) / 13,380 (including subsidiaries) |
| Total assets | US$11.8 billion (as of December 2025) |
| Total deposits | US$9.18 billion |
| Customers | Over 6.19 million |
| ACLEDA Super App subscribers | 5.67 million |
| Business partners | 0.78 million |
| Best for | Nationwide coverage, stability, rural banking, digital convenience |
📜 History & Growth
ACLEDA’s story is unique among Cambodian banks. It was founded in January 1993 as a national NGO focused on providing micro‑credit to war victims and helping small enterprises develop. Over the next decade, it grew into one of the country’s leading microfinance institutions. On December 1, 2003, ACLEDA was granted a full commercial banking license by the National Bank of Cambodia and officially renamed ACLEDA Bank Plc. The new license allowed the bank to launch a much wider range of services, including cash management and trade finance.
Since then, ACLEDA has expanded both domestically and internationally. It now operates 263 branches in all provinces and towns of Cambodia, making it the bank with the largest geographic reach in the country. It has also established subsidiaries in the Lao PDR (ACLEDA Bank Lao Ltd., 37 branches) and Myanmar (ACLEDA MFI Myanmar Co., Ltd., 17 branches), as well as ACLEDA Securities Plc. and ACLEDA University of Business Co., Ltd.
In 2025, ACLEDA Bank was the only Cambodian bank included in The Banker magazine’s “Top 1000 World Banks 2025” ranking, a testament to its financial strength and international recognition. The bank has also been assigned credit ratings by top international agencies, including Standard & Poor’s.
🏛️ Products & Services
💳 Accounts
| Account Type | Key Features | Minimum Balance / Deposit |
|---|---|---|
| Savings Account | Interest‑bearing; daily accrued interest, monthly capitalization; no initial deposit; no minimum balance | None |
| Current Account | No interest; designed for daily business transactions; check‑writing capability | KHR 400,000 / USD 100 / THB 4,000 |
| Current Account Plus | Interest‑bearing; higher minimum deposit | KHR 2,000,000 / USD 500 / THB 20,000 |
| Notice Withdrawal Account | Higher interest than regular savings (requires 7 or 14 days’ notice) | Standard Savings rates + 1.8%–2.5% |
| Education Savings Account (Laos) | 3.80% interest per annum (available in Lao subsidiary) | Contact bank |
ACLEDA offers accounts in multiple currencies, including USD, KHR, THB, EUR, AUD, CAD, GBP, JPY, VND, LAK, and CNY. This multi‑currency flexibility is a major advantage for expats and businesses with international income or expenses.
📱 ACLEDA Super App
The ACLEDA Super App is the bank’s flagship digital platform, with 5.67 million subscribers. It is a true “super app” that goes far beyond basic banking, offering:
- Check account balances and transaction history
- Transfer funds between ACLEDA accounts (free) and to other banks
- Pay bills (utilities, phone top‑up) and public service fees
- Scan KHQR codes for instant payments at merchants nationwide
- Open savings and deposit accounts
- Apply for loans
- Send and receive money across borders using Mastercard Move (see recent news below)
- Use Bakong for instant transfers between banks
- Make payments to the Ministry of Commerce for annual declarations and business permits
- Send greeting stickers for special occasions (e.g., International Women’s Day)
The app is available in multiple languages and is designed to be user‑friendly for both tech‑savvy customers and those new to digital banking.
💰 Loans
ACLEDA offers a comprehensive range of loan products:
- Personal loans – for individuals needing funds for education, medical expenses, or other personal needs
- SME loans – supporting small and medium‑sized enterprises with flexible terms
- Medium‑sized enterprise and corporate loans – from 12 to 120 months, interest rates from 7.70% per annum
- Micro‑credit – continuing its original mission of supporting micro‑enterprises and low‑income households
- Mortgage loans – for property purchase or construction
🌐 International Transfers
ACLEDA Bank has significantly upgraded its cross‑border transfer capabilities in 2026:
- Mastercard Move integration enables instant or near real‑time international transfers via the ACLEDA Super App. Customers can send funds to Vietnam, Indonesia, China, India, Japan, South Korea, the United Kingdom, and European SEPA countries. More destinations are expected soon.
- SWIFT transfers are also available for traditional international wire transfers.
- Inward transfers are processed efficiently; the bank’s SWIFT code is ACLEDPHA.
💵 Fees & Interest Rates (2026)
Account & Maintenance Fees
| Fee Type | ACLEDA Policy |
|---|---|
| Account opening | Free |
| Monthly maintenance | Free (no monthly fees for basic accounts) |
| Minimum balance requirement | None for savings accounts |
| Account closing | Free (unless closed within 3 months of opening) |
| ATM card issuance (first card) | Free |
| Passbook replacement | KHR 12,000 / USD 3 |
| Account statement (beyond 2 months) | KHR 8,000 / USD 2 per month |
Transaction Fees (via ACLEDA Internet Banking)
| Service | Fee (USD) | Fee (KHR) |
|---|---|---|
| Registration | Free | Free |
| Monthly fee | Free | Free |
| Bill payment / auto bill payment | $0.25 | KHR 1,000 |
| Phone top‑up | Free | Free |
| Own accounts transfer (same branch) | Free | Free |
| Own accounts transfer (different branches) | Free | Free |
| Fund transfer to non‑account (using test question) | $0.50 | KHR 2,000 |
| Fund transfer to other banks | 0.05% (min $3) | 12,000 |
| Transfer between ACLEDA and other Bakong member accounts (≤$50) | Free | Free |
Interest Rates (Savings Account – Effective from August 9, 2024)
| Balance (USD) | Interest Rate (P.A.) |
|---|---|
| ≤ $5,000 | 0.20% |
| $5,001 – $50,000 | 0.30% |
| $50,001 – $100,000 | 0.50% |
| $100,001 – $500,000 | 0.75% |
| > $500,000 | 1.00% |
Rates are quoted for indication only and subject to change. Higher rates are available for KHR accounts and for ACLEDA Mobile partners (up to 2%). Notice Withdrawal accounts offer an additional 1.8%–2.5% above standard rates.
Loan Interest Rates (Indicative)
| Loan Type | Interest Rate (P.A.) |
|---|---|
| Medium‑sized enterprise loan (KHR 200M+) | From 7.70% |
| Personal / SME loans | Varies; contact bank for current rates |
🆚 Why Expats Choose ACLEDA Bank
While ABA is often the first choice for digitally‑focused expats, ACLEDA has its own loyal following. Key reasons include:
- Unmatched branch network – With 263 branches covering every province and town, ACLEDA is the bank to have if you travel frequently or live outside major cities.
- Multi‑currency accounts – Hold USD, KHR, THB, EUR, and other major currencies in a single account.
- Strong reputation for customer service – Many expats report positive experiences with helpful branch staff.
- Financial stability – As the only Cambodian bank in The Banker’s “Top 1000 World Banks 2025”, ACLEDA is widely regarded as one of the country’s safest banks.
- Continuous digital improvement – The ACLEDA Super App is evolving rapidly, with new features like Mastercard Move making it more competitive.
- Accessibility in rural areas – If you work in or travel to remote provinces, ACLEDA is often the only bank with a physical presence.
📰 Recent News & Developments (2026)
🚀 Mastercard Move Integration (April 1, 2026)
ACLEDA Bank announced a collaboration with Mastercard to integrate Mastercard Move into the ACLEDA Super App. This enables instant or near real‑time international transfers to Vietnam, Indonesia, China, India, Japan, South Korea, the UK, and European SEPA countries. More markets are expected to be added.
🤝 Cross‑Border QR Code Payment with Singapore (March 30, 2026)
ACLEDA participated in the official launch of cross‑border QR code payments between Cambodia and Singapore, allowing customers to make instant payments in both countries using KHQR.
💳 Mastercard Debit Card in Khmer Riel (January 14, 2026)
ACLEDA officially launched a Mastercard Debit Card denominated in Khmer Riel, supporting the national currency and providing customers with greater payment options.
📄 Public Services Payment via ACLEDA Super App (January 9, 2026)
ACLEDA enabled payment of public service fees for the Ministry of Commerce, including annual declarations and applications for enforcement rulings, directly through the ACLEDA Super App. This adds to existing integrations with the commercial registration system, intellectual property rights, and business permit applications.
🏆 Gold‑Level Client Protection Certification (January 28, 2026)
ACLEDA Bank achieved PCI DSS version 4.0.1 certification, demonstrating its commitment to data security and client protection.
🇰🇭 Promoting the Khmer Riel
ACLEDA has been recognized as the No. 1 bank for promoting the Khmer Riel, in line with the National Bank of Cambodia’s dedollarization policy. The bank actively encourages the use of KHR for everyday transactions.
🔧 Related Tools & Resources
- Directory of Financial Institutions in Cambodia – Complete list of NBC‑licensed banks
- Best Bank in Cambodia 2026 – Compare ABA, ACLEDA, Canadia, Wing, and FTB side‑by‑side
- Invest & Travel Smart Toolkit – Loan calculators, savings interest calculators, and more
❓ Frequently Asked Questions
Is ACLEDA Bank safe?
Yes. ACLEDA is one of Cambodia’s largest and most stable banks, with over US$11.8 billion in total assets. It is the only Cambodian bank included in The Banker’s “Top 1000 World Banks 2025” ranking and has been assigned credit ratings by Standard & Poor’s.
Can a foreigner open an ACLEDA account?
Yes. ACLEDA accepts foreign customers with a valid passport and long‑stay visa (E‑class). Minimum deposit requirements are modest ($100 for a Current Account, none for Savings).
What is the minimum deposit for ACLEDA Bank?
- Savings Account: No minimum deposit
- Current Account: USD 100 (or equivalent in KHR/THB)
- Current Account Plus: USD 500
How do I open an ACLEDA account online?
You can begin the process online via the ACLEDA Super App or the bank’s website. After submitting your information, you will need to visit a branch to complete verification and receive your account details.
Does ACLEDA have a mobile app?
Yes. The ACLEDA Super App is the bank’s flagship digital platform, with over 5.6 million subscribers. It supports payments, transfers, loan applications, bill payments, and cross‑border transfers via Mastercard Move.
What is the SWIFT code for ACLEDA Bank?
The SWIFT code is ACLEDPHA.
How do I contact ACLEDA Bank?
- Call Center: Contact numbers available on the bank’s website
- Head Office: Phnom Penh (address available on the website)
- Website: www.acledabank.com.kh
📢 Disclaimer
Bank policies, fees, interest rates, and product offerings may change without notice. This review is based on information available in April 2026. Always verify with ACLEDA Bank’s official website or a branch before making financial decisions. This article does not constitute financial advice.
🎯 Final Thoughts
ACLEDA Bank stands as a pillar of Cambodia’s financial system. From its humble beginnings as a micro‑credit NGO in 1993, it has grown into a commercial banking giant with the largest branch network in the country, over 6 million customers, and total assets of nearly US$12 billion. Its recent digital initiatives – including the ACLEDA Super App, Mastercard Move integration, and cross‑border QR payments – show that it is not resting on its legacy.
For expats, ACLEDA is an excellent choice, especially if you value nationwide accessibility, multi‑currency accounts, and a bank with deep local roots. While its mobile app may not be as polished as ABA’s, the gap is narrowing rapidly. For anyone living or investing in Cambodia, ACLEDA Bank is a trusted, reliable partner.