Choosing a fixed deposit account with a competitive interest rate is a key strategy for investors and civil servants looking to grow their wealth safely. This article compiles the latest interest rates (as of June 2026) from major banks in Cambodia, including ACLEDA Bank, ABA Bank, and Phillip Bank, to help you make an informed decision.
📊 12-Month Fixed Deposit Interest Rate Comparison Table
The table below shows the annual interest rates (p.a.) for 12-month fixed deposits in both USD and KHR:
📈 Fixed Deposit Interest Rates by Term (ABA Mobile)
If you’re looking for flexibility, here are ABA Bank’s interest rates for various fixed deposit terms via the ABA Mobile app:
| Term | KHR | USD |
|---|---|---|
| 6 months | 4.50% | 3.25% |
| 9 months | 4.95% | 3.75% |
| 12 months | 5.50% | 4.25% |
| 18 months | N/A | 4.30% |
| 24 months | N/A | 4.35% |
| 36 months | N/A | 4.45% |
Note: ABA Bank’s fixed deposit interest rates are subject to change, and opening an account via ABA Mobile often offers higher rates than over-the-counter openings.
💡 Which Fixed Deposit Account Should You Choose?
- For the Highest KHR Interest Rate: ABA Bank is the best choice, offering 5.50% for a 12-month term.
- For High Security and Extensive Branch Network: ACLEDA Bank is Cambodia’s largest bank, offering competitive rates (4.25% for KHR via Mobile Banking).
- For a Flexible Savings Account: Phillip Bank offers a “Future Account” where you can set a savings term from 3 to 120 months, earning interest rates up to 5.00%.
❓ Frequently Asked Questions (FAQ)
1. What is a Fixed Deposit?
A fixed deposit is a savings account where you deposit money for a fixed period (e.g., 6 months, 12 months) and earn a higher interest rate than a regular savings account.
2. What are the minimum deposit requirements?
- ACLEDA: KHR 400,000 or USD 100 (via Mobile/Internet Banking).
- ABA: KHR 400,000 or USD 100.
- Phillip: KHR 400,000 or USD 100.
3. Can I withdraw my money before the maturity date?
Generally, early withdrawal incurs a penalty, and you may lose some or all of the accrued interest. Please check the specific terms with each bank.
4. Is interest income subject to tax?
In Cambodia, interest from savings deposits is subject to a withholding tax of 6%.
5. How often do these interest rates change?
Interest rates can fluctuate based on market conditions. The rates above are current as of June 2026.
✅ Conclusion
Choosing the right fixed deposit account depends on your needs and financial goals. If you want the highest KHR interest rate, ABA Bank is a great choice. If security and a wide branch network are your priorities, ACLEDA Bank is suitable. And if you want a flexible savings account, Phillip Bank is a good option.
Thank you for peace!
