Top 10 Best Banks in Cambodia for Everyday Use

Cambodia has seen a rapid rise in the banking sector over the past decade. With a mix of local and international banks, each offering different services, it’s important to find the right one that suits your everyday needs. 

Whether you’re a local resident, expat, or traveler, here’s a countdown of the top 10 best banks in Cambodia for daily banking.

To read about banking in Cambodia click here.

10. Foreign Trade Bank of Cambodia (FTB)

FTB takes the top spot for everyday banking in Cambodia. It’s one of the most reliable and trusted banks in the country, and it combines the best of both worlds: extensive ATM and branch coverage, alongside a user-friendly mobile app. FTB is known for its competitive rates, good customer service, and low fees. Whether you’re looking to pay bills, send money, or just withdraw cash, FTB offers the best all-around experience in Cambodia today.

9. Canadia Bank

One of Cambodia’s oldest banks, Canadia Bank has a well-established reputation. Its services are pretty straightforward, with good account options for both locals and expats. However, the bank’s app can be slow, and customer service, while decent, sometimes lags compared to other institutions. Nevertheless, its solid ATM network and long-standing presence in the country make it a safe choice for day-to-day banking.

8. WING Bank

WING has made waves in the mobile banking industry in Cambodia. While it started as a mobile money transfer service, WING has since developed into a full-fledged bank. It’s great for cash transfers and payments on the go, especially for those who want to avoid long queues at traditional banks. The downside? It lacks the full range of banking services for bigger transactions, so it’s better as a supplementary option rather than your main bank.

7. Cambodia Asia Bank (CAB)

Cambodia Asia Bank is a relatively small player compared to some of the bigger names on this list, but it offers solid everyday services like savings and checking accounts. Its credit card options are better than most, with more competitive interest rates. The main drawback is a limited ATM network, but with growing partnerships, this is starting to improve.

6. Sathapana Bank

Sathapana is known for its user-friendly mobile banking app and strong customer service. It’s a reliable bank with a growing branch network across the country. The bank is particularly popular with younger Cambodians who value ease of use and digital access. However, its ATM coverage still needs improvement compared to the bigger players on this list, which is why it sits at number 6.

5. Prince Bank

A relatively new player, Prince Bank has quickly built a reputation for being tech-forward with an excellent mobile app and online banking services. It’s perfect for anyone looking for an easy, digital-first banking experience. Prince Bank’s modern approach makes it ideal for everyday use, especially for those who value convenience over physical branches. The downside? Their ATM network is still growing, so you may have to rely on other bank ATMs, which could mean extra fees.

4. J Trust Royal 

J Trust Royal is another great choice for everyday banking, particularly if you’re looking for a mix of local and international services. With roots in Australia (as it was formerly known as ANZ Royal), J Trust offers a great combination of global banking standards and local expertise. It’s perfect for those who want a familiar banking experience while living in Cambodia. The only drawback? Fees can sometimes be higher than local banks, but the trade-off is in the higher level of service.

3. Maybank Cambodia

Maybank is a solid option for both locals and expats. This Malaysian bank brings a level of international professionalism and service quality that’s hard to beat. With competitive rates for international transfers, it’s a favorite among expats who need to send money home. Their physical presence isn’t as large as some of the local banks, but their customer service and reliable online platform make up for it.

2. ABA Bank

ABA Bank is often hailed as the best bank in Cambodia, and for good reason. It has the best mobile banking app in the country, offering seamless transfers, bill payments, and even loan applications online. Their ATM network is extensive, and their customer service is top-notch. So why isn’t it number one? Well, fees can be a bit high for certain services, and getting in touch with support during busy times can be challenging. But there is a reason people say “can I ABA you” rather than “Can I AEON Mall bank you”

1. Acleda Bank

Acleda Bank is the largest bank in Cambodia, and while it has a massive network of branches and ATMs across the country, its services are better suited for businesses and larger transactions. For everyday banking, Acleda were previously a bit below par, but of late have introduced a greta new app, as well increasing interest rates and just being a bit more foreigner friendly.

Conclusion

While all these banks have their pros and cons, the right choice depends on your personal needs. For those looking for solid everyday use with good digital services, banks like FTB, ABA, and J Trust Royal stand out. If you’re in rural areas or just want easy mobile transfers, Wing and Acleda might be more practical. Ultimately, Cambodia’s banking sector is growing fast, and no matter where you end up, you’ll find a range of options to suit your lifestyle.

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