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The list of banks in Cambodia includes a diverse range of commercial and foreign banks offering services such as personal loans, savings accounts, business banking, trade finance, and digital banking. These banks cater to both individuals and businesses in Cambodia.
Cambodia, a dynamic country in Southeast Asia, has seen significant growth in its financial sector in recent years. With a growing economy and an increasing number of financial services, the list of banks in Cambodia continues to expand, offering both domestic and international banking options. Whether you’re a local resident or an expatriate living in the country, understanding the banking landscape is essential for managing your personal finances, starting a business, or investing.
In this article, we will provide a detailed overview of the list of banks in Cambodia, breaking them down into commercial and foreign banks. We will also look at the services these banks offer and guide you on how to choose the right bank for your needs.
List of banks in Cambodia
Here’s a table summarizing the list of banks in Cambodia, which includes both commercial and foreign banks:
| Bank Name | Type of Bank | Key Services Offered |
|---|---|---|
| ACLEDA Bank PLC | Commercial Bank | Personal loans, business loans, savings accounts, microfinance |
| AGRIBANK CAMPUCHIA BRANCH | Commercial Bank | Agricultural loans, savings products, insurance services |
| Bank for Investment and Development of Cambodia Plc (BIDC) | Commercial Bank | Loans, savings accounts, trade finance, business banking |
| Booyoung Khmer Bank (BKB) | Commercial Bank | Savings accounts, business loans, digital banking services |
| Cambodia Asia Bank Ltd (CAB) | Commercial Bank | Personal loans, savings, business loans, internet banking |
| CIMB Bank PLC | Commercial Bank | Personal banking, business banking, trade finance |
| Cambodia Mekong Bank Public Ltd (CMB) | Commercial Bank | Personal loans, savings, home loans, business banking |
| Cambodian Commercial Bank (CCB) | Commercial Bank | Savings, loans, digital banking services |
| Cambodian Public Bank (Campu Bank) | Commercial Bank | Savings, loans, credit cards, trade finance |
| Union Commercial Bank PLC (UCB) | Commercial Bank | Personal savings, loans, foreign exchange, business loans |
| Advanced Bank of Asia Ltd (ABA) | Foreign Bank | Personal banking, savings, loans, digital services |
| Australia and New Zealand Royal Bank (ANZ Royal Bank) | Foreign Bank | Retail banking, corporate banking, trade finance |
| Bank of China Limited Phnom Penh Branch (BOC) | Foreign Bank | Savings, loans, foreign exchange, trade finance |
| Bank of India Phnom Penh Branch (BOI) | Foreign Bank | Savings, current accounts, loans, trade finance |
| Canadia Bank PLC | Foreign Bank | Savings, loans, business banking, trade finance |
| Maruhan Japan Bank (MJB) | Foreign Bank | Personal and business banking, loans, trade finance |
This table summarizes some of the major players in the list of banks in Cambodia, showcasing their services, and providing a quick overview for individuals and businesses looking to select the right bank for their needs.
1. Introduction to Cambodia’s Banking System
The banking sector in Cambodia has seen tremendous growth over the past few decades. Since the early 1990s, when Cambodia began opening up its economy, the country has witnessed a steady rise in financial institutions, both local and international. Today, the list of banks in Cambodia includes over 40 commercial banks and several foreign banks operating within the country. This expansion has facilitated increased access to banking services, making it easier for Cambodians and expatriates alike to save, invest, and manage finances.
Cambodia’s financial landscape is regulated by the National Bank of Cambodia (NBC), which oversees monetary policies, ensures financial stability, and maintains oversight over the operations of banks. With Cambodia’s economic development, the banking sector has increasingly adopted technology, making mobile and internet banking more accessible. This digital shift has contributed to improved customer service and banking efficiency, allowing banks to provide better and more inclusive services to a broader demographic.
This article delves into the list of banks in Cambodia, covering the most prominent commercial and foreign banks, the services they offer, and how to choose the right one for your needs.
2. Commercial Banks in Cambodia
Commercial banks in Cambodia cater primarily to individual customers and businesses, offering a wide array of financial services. Below, we will look at some of the most well-established commercial banks in Cambodia, highlighting their services and contributions to the financial sector.
ACLEDA Bank PLC
ACLEDA Bank PLC is one of Cambodia’s largest and most renowned commercial banks. Established in 1993, ACLEDA Bank has a vast network of branches and ATMs across the country. It offers a wide range of services, including personal banking, business banking, and loans. ACLEDA is particularly known for its customer service and its expertise in microfinance and small business support. The bank offers services like savings accounts, checking accounts, personal loans, business loans, credit cards, and remittance services. ACLEDA has played a vital role in Cambodia’s banking history, particularly in providing access to financial services for rural communities.
AGRIBANK CAMPUCHIA BRANCH
AGRIBANK CAMPUCHIA, a branch of Vietnam’s AGRIBANK, focuses heavily on agricultural financing. The bank provides loans for farmers, rural development, and small-to-medium enterprises (SMEs). It also offers savings products, insurance services, and foreign exchange services. AGRIBANK CAMPUCHIA supports the Cambodian government’s efforts to improve agricultural productivity and rural livelihoods, making it a key player in Cambodia’s economic development.
Bank for Investment and Development of Cambodia Plc (BIDC)
Bank for Investment and Development of Cambodia Plc (BIDC) is a subsidiary of Vietnam’s Bank for Investment and Development of Vietnam (BIDV). BIDC offers a wide range of services, including loans, savings accounts, and investment products. The bank has a strong corporate banking division that caters to businesses and provides trade finance and other corporate services. BIDC is an important player in the list of banks in Cambodia due to its ability to serve both the personal and business sectors.
Booyoung Khmer Bank (BKB)
Booyoung Khmer Bank (BKB) offers a full suite of financial products, from savings accounts to business loans. BKB is a relatively new player in the Cambodian banking sector but has quickly gained a reputation for providing reliable banking services, especially for small businesses. It also focuses on digital banking services, making it easier for customers to access their accounts and manage their finances online.
Cambodia Asia Bank Ltd (CAB)
Cambodia Asia Bank Ltd (CAB) is one of Cambodia’s prominent commercial banks, offering services such as savings accounts, loans, and business banking solutions. CAB also has a reputation for its strong corporate banking services, providing loans to SMEs and corporate entities. The bank has embraced technology and offers modern banking services, such as mobile banking and internet banking, for easy access to financial products.
CIMB Bank PLC
CIMB Bank PLC is part of the CIMB Group, one of the largest banking groups in Southeast Asia. CIMB offers a variety of personal and business banking services, including savings accounts, loans, trade financing, and credit facilities. The bank is known for its international banking services and is a popular choice for expatriates and businesses dealing with cross-border transactions. CIMB’s extensive network and digital offerings make it a key part of the list of banks in Cambodia.
Cambodia Mekong Bank Public Ltd (CMB)
Cambodia Mekong Bank Public Ltd (CMB) is a well-established bank that focuses on offering financial services to both individuals and businesses. CMB provides savings accounts, personal loans, vehicle loans, and home loans. It also supports SMEs with tailored business loans and financial advice. The bank is known for its excellent customer service and its commitment to making banking accessible to a wide range of people in Cambodia.
Cambodian Commercial Bank (CCB)
Cambodian Commercial Bank (CCB) has been a cornerstone in Cambodia’s financial sector since its inception. The bank offers traditional banking services, such as savings and checking accounts, as well as loans for individuals and businesses. It is especially known for its robust digital banking platform, which enables customers to access their accounts and carry out transactions with ease.
Cambodian Public Bank (Campu Bank)
Cambodian Public Bank (Campu Bank), a subsidiary of Public Bank Berhad in Malaysia, is a leading bank in Cambodia. Known for its strong capital base and well-developed financial services, Campu Bank offers a range of products, including savings accounts, loans, credit cards, and trade financing services. Its digital banking services have helped it stand out in the competitive list of banks in Cambodia, providing convenient banking options to its customers.
Union Commercial Bank PLC (UCB)
Union Commercial Bank PLC (UCB) offers a comprehensive range of services, including loans, savings accounts, and foreign exchange. The bank is known for its efficient services and its commitment to providing customer satisfaction. UCB also offers digital banking services, allowing customers to manage their finances with ease.
3. Foreign Banks in Cambodia
In addition to the commercial banks, several foreign banks in Cambodia offer international banking services and cater to the needs of businesses and expatriates. These foreign banks provide specialized services such as cross-border payments, foreign currency exchange, and trade finance.
Advanced Bank of Asia Ltd (ABA)
Advanced Bank of Asia Ltd (ABA) is one of the leading foreign banks in Cambodia. Known for its innovative mobile banking and internet banking services, ABA offers personal and business banking products. The bank provides savings accounts, loans, credit cards, and foreign exchange services. ABA is highly regarded for its customer-friendly digital services and convenient banking options.
Australia and New Zealand Royal Bank (ANZ Royal Bank)
ANZ Royal Bank, a subsidiary of the Australian and New Zealand Banking Group, is a prominent foreign bank in Cambodia. It offers a wide range of services, including retail banking, corporate banking, and trade finance. ANZ Royal Bank is popular among expatriates and businesses in Cambodia due to its international expertise and global banking standards.
Bank of China Limited Phnom Penh Branch (BOC)
Bank of China is one of the largest banks in China and has a significant presence in Cambodia. The Phnom Penh branch offers services such as savings accounts, loans, foreign exchange, and trade finance. BOC specializes in providing banking solutions to Chinese businesses operating in Cambodia and supporting cross-border transactions between Cambodia and China.
Bank of India Phnom Penh Branch (BOI)
Bank of India is a significant player in the Cambodian banking sector, offering services such as savings and current accounts, loans, and trade finance. BOI provides valuable banking services to both local businesses and expatriates, particularly those engaged in international trade between Cambodia and India.
Canadia Bank PLC
Canadia Bank PLC is another major foreign bank in Cambodia, providing a full range of banking services. It offers everything from personal loans and savings accounts to corporate
banking services such as trade finance and loans for businesses. Canadia Bank is particularly well-known for its digital banking services and its extensive network of branches and ATMs across Cambodia.
4. Choosing the Best Bank in Cambodia for You
Choosing the right bank in Cambodia depends on your specific financial needs. If you’re an individual looking for a savings account or a personal loan, you may want to focus on commercial banks like ACLEDA, Cambodia Asia Bank, or Union Commercial Bank. If you’re running a business or engaged in international trade, foreign banks like ANZ Royal Bank, Bank of China, or ABA may be more suitable due to their expertise in corporate banking and trade finance.
When selecting a bank, consider the following factors:
- Banking Services: Make sure the bank offers the services you need, whether it’s personal banking, business banking, or loans.
- Digital Banking: Choose a bank with a robust mobile app or internet banking system for easy access to your account.
- Customer Service: Look for banks with strong customer service and an easy-to-use interface.
- Fees and Charges: Consider the costs associated with banking, such as monthly fees, transaction fees, and ATM withdrawal fees.
5. Conclusion
The list of banks in Cambodia is diverse, catering to both individual and business banking needs. From the well-established commercial banks like ACLEDA Bank and CIMB Bank to foreign institutions like ANZ Royal Bank and Bank of China, Cambodia offers a wide range of financial services. Whether you’re a local resident or an expatriate, understanding the banking options available in Cambodia can help you make informed decisions about your financial future. By considering the services, fees, and customer experience offered by each bank, you can choose the best bank for your needs.
Happy banking!
