Foreign Trade Bank of Cambodia (FTB) holds a unique place in the nation’s financial history. As the first commercial bank established in Cambodia after the fall of the Khmer Rouge, it has been providing safe and reliable banking services for over 47 years. Today, FTB is a modern, forward‑looking institution with a growing digital presence, a new landmark headquarters, and a strong focus on trade finance and SME support.
This comprehensive review covers everything you need to know about FTB Bank in 2026 – from its historic origins and key products to fees, interest rates, the FTB Mobile app, recent developments, and why it remains a solid choice for both local and international customers.
⚡ Quick Overview
| Item | Details |
|---|---|
| Full name | Foreign Trade Bank of Cambodia (FTB) |
| Founded | 1979 |
| Legal basis | Sub‑decree No. 1213 dated 10 October 1979 |
| Headquarters | FTB Tower, Lot A, Sangkat Monorom, Khan 7 Makara, along Russian Boulevard, Phnom Penh |
| Assets | US$2.28 billion |
| Branches | 14 outlets nationwide (Phnom Penh, Kandal, Preah Sihanouk, Siem Reap, Battambang, Kampong Cham) |
| SWIFT code | FTCCKHPP (or FTCCKHPPXXX) |
| Best for | Trade finance, competitive interest rates, online account opening, modern digital banking |
| Account currencies | USD, KHR |
📜 History – Cambodia’s First Bank
FTB was created following Sub‑decree No. 1213 dated 10 October 1979, under the former regime of the State of Cambodia. As the first commercial bank established in Cambodia after the fall of the Khmer Rouge, it has played a crucial role in rebuilding the nation’s economy. FTB is a truly local bank, trusted since 1979.
Over the decades, FTB has evolved from a state‑owned institution into a leading private commercial bank. It has weathered Cambodia’s financial transformations and emerged as a stable, reliable partner for individuals, SMEs, and large corporations alike.
In 2025, FTB reached a major milestone with the topping‑out of its new headquarters, FTB Tower, a 28‑storey Grade A office building located on Russian Boulevard in the heart of Phnom Penh’s business district. The tower is designed to be a symbol of FTB’s strength, longevity, and ambition, and is on track for full completion in late 2026.
🏛️ Products & Services
💳 Accounts
Fixed Deposit Interest Rates (as of 2026)
| Term | USD (% p.a.) | KHR (% p.a.) |
|---|---|---|
| 1 Month | 1.00% | 2.00% |
| 3 Months | 2.25% | 3.50% |
| 6 Months | 3.75% | 4.25% |
| 12 Months | 4.50% | 6.00% |
- Minimum opening deposit: USD 1,000 (or equivalent in KHR).
- Interest accrues daily. Payment options: monthly, every 3 months, or at maturity.
- A 6% withholding tax applies for resident taxpayers; 14% for non‑residents.
📊 Account Fee Comparison
| Fee Type | Current Account | Savings Account | Fixed Deposit |
|---|---|---|---|
| Monthly maintenance | FREE | FREE | FREE |
| Account statement fee (once per month) | FREE | FREE | – |
| Basic internet banking fee | FREE | FREE | – |
| Transaction fee via FTB branches | FREE | FREE | – |
| ATM card renewal fee | FREE | FREE | – |
| Account closure fee (if <6 months) | $5 | $5 | $5 |
| Dormancy fee | $5 | $5 | FREE |
💰 Loans
FTB offers a range of lending products tailored to individuals and businesses:
- SME Loans: Interest rates starting from 6.77% per annum. Loan amounts up to $2,000,000 with tenures up to 10 years. Qualified SMEs are the backbone of the national economy, driving job creation and innovation.
- Trade Finance: FTB provides letters of credit, supply chain financing and other instruments to support importers and exporters.
- Personal loans: Loans for individuals needing funds for education, medical expenses or other personal needs.
🌐 International Transfers
FTB has a well‑developed international transfer service, ideal for businesses and individuals with cross‑border needs.
Outward remittance fees:
- 0.15% (min. USD 15) + USD 15 SWIFT charge
- Guaranteed full amount received: USD 30 (through correspondent bank)
- Receiving time: 1–3 working days
Inward remittance fees (for FTB customers):
Promotional offer (expired): From now until 24 February 2026, customers could send money overseas for a flat fee of just USD 15 (up to USD 10,000) across 11 major currencies, with the offer available via branch, mobile app, internet banking and business app.
Receiving money from abroad was free of charge for FTB customers during a promotion valid until 24 May 2026, applicable to 11 major currencies, though intermediary bank charges may still apply.
SWIFT code: FTCCKHPP (branch / FTCCKHPPXXX for main office). Relevant correspondent banks include Standard Chartered Bank (New York, USA) and KASIKORNBANK (Bangkok, Thailand).
📱 FTB Mobile App
FTB Mobile is the bank’s modern, user‑friendly mobile banking application, available on both iOS and Android devices. Key features include:
- View account information and transaction history
- Local and international fund transfers
- QR payments (KHQR and cross‑border QR codes)
- Mobile phone top‑up
- Bill payments
- Supports transaction currency switching during KHQR scanning
- Enhanced security and app optimisation for a better user experience
The app is available in English and Khmer, and is free to download and use. Basic internet banking and mobile banking access are free for all account holders.
📰 Recent News & Developments (2025–2026)
🏛️ FTB Tower Topping‑Out (May 12, 2025)
FTB celebrated the topping‑out of its 28‑storey Grade A headquarters on Russian Boulevard. The tower, a 77,593‑square‑metre building with four basement parking levels, is being developed in collaboration with MSNH Investment Co., Ltd., with the main contractor being China Construction Midland Cambodia. The architectural design draws inspiration from the iconic Bayon Temple statues, bridging heritage and modernity. The project is on track for full completion later in 2026.
🌍 ADB Trade Finance Partnership (March 20, 2026)
FTB joined the Asian Development Bank’s (ADB) Trade and Supply Chain Finance Program (TSCFP), enhancing trade finance in Cambodia, particularly benefiting micro, small and medium‑sized enterprises (MSMEs), which make up about 99% of Cambodian enterprises. The partnership will provide trade finance instruments backed by TSCFP’s credit guarantees, encouraging more international banks to engage in the Cambodian market.
🚀 SME Loan Promotion (April 2026)
FTB offered SME loans starting from 6.77% per annum, with loan amounts up to $2,000,000 and tenures up to 10 years, supporting Cambodia’s engine of job creation and economic growth.
🏧 Inactive Account Policy (April 2026)
FTB announced it would begin closing inactive accounts that have been dormant for over two years, aligning with standard banking practices across Cambodia.
📱 Digital Channel Enhancements (2026)
FTB continued to strengthen its digital capabilities, enabling overseas fund transfers through all digital channels – the FTB Retail Mobile App, Internet Banking, FTB Business Mobile App and Corporate Internet Banking – making cross‑border transactions faster and more convenient.
🆚 Why Choose FTB Bank?
FTB offers a distinct value proposition that sets it apart:
- Historic legacy & stability – As Cambodia’s first commercial bank, FTB has nearly five decades of experience.
- Competitive interest rates – 4.50% USD and 6.00% KHR on 12‑month fixed deposits are among the highest in the market.
- Trade finance expertise – FTB is the only Cambodian bank with a dedicated ADB TSCFP partnership, enabling it to offer trade finance instruments backed by international guarantees.
- New world‑class headquarters – FTB Tower signals long‑term commitment and institutional strength.
- Growing digital platform – FTB Mobile app supports local and international transfers, QR payments and online account opening.
- Low fees – Monthly maintenance, account statements, basic internet banking and branch transaction fees are free for current and savings accounts.
- Online account opening – Customers can open savings and current accounts online, with no need to visit a branch.
📊 How FTB Compares with Other Cambodian Banks
| Feature | FTB | ABA | ACLEDA |
|---|---|---|---|
| Founded | 1979 | 1996 | 1993 |
| Assets | $2.28 billion | $10+ billion | $11.8 billion |
| Branches | 14 | 106 | 263+ |
| Savings interest (USD) | 0.75% | 0.50%–1.00% (tiered) | 0.20%–1.00% (tiered) |
| Fixed deposit (1‑year USD) | 4.50% | ~3.50% | ~3.00% |
| Fixed deposit (1‑year KHR) | 6.00% | ~4.00% | ~4.00% |
| Online account opening | ✅ | ✅ | ❌ |
| Mobile app rating | ⭐⭐⭐ | ⭐⭐⭐⭐⭐ | ⭐⭐⭐⭐ |
| Trade finance specialist | ✅ (ADB partner) | Limited | Limited |
| Minimum deposit (savings) | $50 | $0 | $0 |
| Monthly maintenance fee | $0 | $0 | $0 |
FTB stands out for its historically significant heritage, exceptionally high fixed deposit rates (especially for KHR), and trade finance expertise. For depositors seeking higher returns on fixed deposits – particularly in Khmer Riel – FTB offers some of the most attractive rates in the country.
❓ Frequently Asked Questions
Is FTB Bank safe?
Yes. FTB is one of Cambodia’s oldest and most established banks, with over 47 years of continuous operation. It is fully licensed by the National Bank of Cambodia and has total assets of US$2.28 billion. Its new headquarters signals long‑term commitment and institutional strength. In 2025, the National Bank of Cambodia approved a US$88 million capital injection for its parent group.
Can a foreigner open an FTB account?
Yes. Foreigners can open a savings or current account with a valid passport and proof of residency. For foreign nationals, a multiple‑stay visa with at least 182 days’ validity is required, along with proof of employment or a business licence (for self‑employed individuals).
What is the minimum deposit for FTB Bank?
- Savings Account: USD 50 (or KHR 200,000)
- Current Account: USD 500 (or KHR 2,000,000)
- Fixed Deposit: USD 1,000 minimum opening deposit
Does FTB have a mobile app?
Yes. FTB Mobile is available on iOS and Android. It supports local and international fund transfers, QR payments, mobile top‑ups and bill payments. You can register using your FTB card.
What are FTB’s fixed deposit rates?
12‑month fixed deposit rates are 4.50% p.a. for USD and 6.00% p.a. for KHR. Shorter terms (1, 3, 6 months) are also available.
Does FTB charge monthly fees?
No. Monthly maintenance fees, account statement fees, basic internet banking fees and branch transaction fees are all free for current and savings accounts.
What is the SWIFT code for FTB Bank?
The SWIFT code is FTCCKHPP (main office: FTCCKHPPXXX). The bank’s address is Building No. 33C‑D, Street 169, Sangkat Veal Vong, Khan 7 Makara, Phnom Penh, Cambodia.
How do I contact FTB Bank?
- Call Center: +855 23 862 111
- Email: [email protected] (general), [email protected] (customer care)
- International remittance email: international‑[email protected]
- Website: www.ftb.com.kh
- Facebook: FTB Bank Cambodia
🔧 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
- Invest & Travel Smart Toolkit – Financial calculators and tools
📢 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 FTB Bank’s official website or a branch before making financial decisions. This article does not constitute financial advice.
🎯 Final Thoughts
FTB Bank is a testament to Cambodia’s economic resilience and progress. As the nation’s first commercial bank, it has witnessed and supported Cambodia’s journey from post‑conflict rebuilding to emerging market dynamism. Today, FTB is far from a relic of the past; it is a modern, digital‑enabled institution with a new landmark headquarters, competitive fixed deposit rates and a strategic partnership with the ADB to boost trade finance.
For customers seeking high fixed deposit returns, especially in Khmer Riel, FTB offers some of the most attractive rates in the country. For businesses engaged in international trade, FTB’s trade finance expertise and ADB partnership provide unique advantages. And for everyday banking, FTB’s low‑fee accounts, online account opening and growing digital services make it a solid, trustworthy choice.