If you’re looking for a safe, predictable way to earn interest on your savings in Cambodia, ABA Bank’s fixed deposit accounts offer competitive rates with flexible terms. This page gives you the current 2026 rates, step‑by‑step opening instructions, and answers to common questions – all in one place.
⚡ Current Fixed Deposit Rates (USD)
| Term | Interest Rate (p.a.) | Notes |
|---|---|---|
| 1 Month | 1.00% | Available via ABA Mobile or branch |
| 3 Months | 2.25% | Interest paid at maturity |
| 6 Months | 3.75% | Higher rate for longer term |
| 12 Months | 4.50% | Best rate for standard fixed deposit |
| 18 Months | 4.50% | Same as 12 months |
| 24 Months | 4.50% | Longer term, same rate |
| 36 Months | 4.50% | Maximum flexibility |
Rates are subject to change without notice. Minimum deposit: USD 500.
💡 Pro tip: To get the highest possible rate, open your fixed deposit directly through the ABA Mobile app. Mobile‑opened fixed deposits often earn higher interest than those opened at a branch.
📊 KHR Fixed Deposit Rates (Higher Returns)
| Term | Interest Rate (p.a.) |
|---|---|
| 1 Month | 2.00% |
| 3 Months | 3.50% |
| 6 Months | 4.25% |
| 12 Months | 6.00% |
ABA encourages the use of the national currency, so KHR fixed deposits offer significantly higher returns. Minimum deposit: KHR 2,000,000 (approx. USD 500).
🏦 How to Open a Fixed Deposit at ABA Bank
Option 1: Online via ABA Mobile (Fastest – Recommended)
- Log into the ABA Mobile app.
- Tap “Deposits” > “Fixed Deposit”.
- Choose currency (USD or KHR) and term (1–36 months).
- Enter the deposit amount (minimum USD 500).
- Select interest payment option:
- At maturity (all interest paid at the end)
- Monthly (interest credited to your savings account each month)
- Confirm and submit.
- Funds are immediately locked into the fixed deposit. You’ll receive a confirmation.
Why choose this method?
Rates offered via the app are often higher than branch rates. The whole process takes less than 2 minutes.
Option 2: At an ABA Branch
- Visit any ABA Bank branch (106 nationwide).
- Bring your passport and ABA account number.
- Request a fixed deposit application form.
- Specify currency, term, and amount.
- Sign the form and confirm.
- Funds will be transferred from your savings account into the fixed deposit.
Processing time: 10–15 minutes.
❓ Frequently Asked Questions
What is the minimum deposit for an ABA fixed deposit?
USD 500 (or equivalent in KHR: 2,000,000 riel).
Can I withdraw the money before the term ends?
Yes, but you will forfeit all interest and may be charged a penalty. Early withdrawal is not recommended.
How is interest paid?
You can choose:
- At maturity – all interest paid when the term ends.
- Monthly – interest credited to your savings account each month (available for terms 6 months or longer).
Is the fixed deposit safe?
Yes. ABA Bank is Cambodia’s largest commercial bank, majority‑owned by the National Bank of Canada. Deposits are fully protected by the bank’s capital strength, though Cambodia does not have a government deposit insurance scheme.
Can a foreigner open a fixed deposit at ABA?
Yes. Any ABA account holder (including foreigners with a valid passport and long‑stay visa) can open a fixed deposit via the app or at a branch.
What happens when the fixed deposit matures?
You will receive a notification. By default, the funds (principal + interest) will be automatically transferred back to your savings account. You can also choose to automatically renew the fixed deposit at the prevailing rate.
🔗 How to Get Started
- If you don’t have an ABA account yet, open one online via the ABA Mobile app or visit a branch.
- Download the ABA Mobile app (iOS / Android).
- Follow the steps above to open your fixed deposit.
💬 Need help? Call ABA’s 24/7 Contact Centre at 023 225 333.
📈 Why Lock Your Money in a Fixed Deposit?
| Advantage | Explanation |
|---|---|
| Higher interest | Much better than standard savings (0.25% – 0.50%) |
| Predictable returns | Fixed rate guaranteed for the entire term |
| Flexible terms | Choose from 1 to 36 months |
| Instant online opening | Via ABA Mobile app – no branch visit needed |
| KHR option | Earn up to 6% p.a. supporting the national currency |
📢 Disclaimer
Rates and terms are current as of April 2026 and may change without notice. Always verify with ABA Bank’s official website or mobile app before making a deposit. This page does not constitute financial advice.