We believe that forging a partnership is important so that we can understand your essential banking needs, be they individual or business. There are three options of current account that customers can choose:
Current Account: is an account with unlimited tenor and zero rate for individual or corporate customer who wishes to deposit and withdraw at any time 24/7 via ATMs. With this current account, customer can use cheque for their business transactions.
Current Account – Auto Save: is a kind of Current Account with deposit and withdrawal at any time 24/7 via ATM. This account provides specific interest rate and customer can use cheque for their business transactions.
Current Account – Auto Plus: is an account exclusively designed for individual and corporate customers. This account comes with a higher interest rate, together with many packaged benefits.
Benefits you’ll get
- Available in KHR and USD
- Free ATM Card
- No annual fee for your ATM service
- Use cheque book for business transaction
Below benefits are applicable for Current Account – Auto Plus only:
- Annual interest rate up to 4% p.a.
- Insurance package up to USD 30,000
- Free payroll service fee (two years)
- Fee waive for special account number (up to USD 10)
Current Account – Auto Save
| Balance | USD | KHR |
|---|---|---|
| USD 0 – USD 500 KHR 0 – KHR 2,000,000 | 0% | 0% |
| > USD 500 – USD 3,000 > KHR 2,000,000 – 12,000,000 | 1.00% | 1.00% |
| > USD 3,000 > KHR 12,000,000 | 2.00% | 2.00% |
Current Account – Auto Plus
| Balance | USD | KHR |
|---|---|---|
| USD 0 – USD 5,000 KHR 0 – KHR 20,000,000 | 0% | 0% |
| > USD 5,000 – USD 250,000 > KHR 20,000,000 – 1,000,000,000 | 3.00% | 3.00% |
| > USD 250,000 > KHR 1,000,000,000 | 4.00% | 4.00% |
Note: Annual Interest Rate
| Activity | Current Account | Current Account - Auto Save | Current Account - Auto Plus |
|---|---|---|---|
| Monthly Average Balance Falls below USD 3,000 / KHR 12,000,000 | USD 0 / KHR 0 | KHR 20,000 / USD 5 | KHR 12,000,000 / USD 3,000 |
| Interest Rate | No Interests on Current Account Balance | Interest Is Daily Calculated based on The Account Balance. | Up to 4% |
| Half Yearly Service Charge | KHR 20,000 / USD 5 | Free of Charge | Free of Charge |
| Closing Account | KHR 12,000 / USD 3 (within 120 Days) | KHR 12,000 / USD 3 (within 120 Days) | KHR 200,000 / USD 50 (within 180 Days) |
| Dormant Account (Monthly Charge) | KHR 4,000 / USD 1 | KHR 4,000 / USD 1 | KHR 4,000 / USD 1 |
Cheque Book Fee:
| Cheque | Fee |
|---|---|
| Cheque Book | KHR 20,000 / USD 5 |
| Cheque Returned due to Insufficient Funds | KHR 200,000/ USD 50 |
| Cheque Returned for Other Reasons | KHR 40,000/ USD 10 |
| Stop Payment Instruction | KHR 40,000/ USD 10 |
*Fee charge based on account currency
Calculator
Result:
| Annual Interest Rate | Total Net Earned Interest | Total Deposit Amount | Total Amount at Maturity Date |
|---|---|---|---|
| 4.75% | 286.25 | 11,757.79 | 12,044.04 |
Payment schedule:
| No. | Earned Interest | Tax | Net Earned Interest | Monthly Deposit |
|---|---|---|---|---|
| 1 | 4.75% | 4.75% | 4.75% | 4.75% |
Current Account:
- Individuals (residents/non-residents) aged 18 and above
- Minimum initial deposit of USD 500 or KHR 2,000,000
- Individual or Company
Current Account – Auto Save:
- Individuals (residents/non-residents) aged 18 and above
- Minimum initial deposit of USD 3,000 or KHR 12,000,000
- Individual or Company
Current Account – Auto Plus:
- Individuals (residents/non-residents) aged 18 and above
- Minimum initial deposit of USD 20,000 or KHR 80,000,000
- Individual or Company
For individual
- ID Card or Passport or Family Record Book
For corporate or Financial Institution
- Letter of Authorisation
- Identity documents of the institution
- ID Card or passport of the institution’s Director(s) and Shareholder(s)
- Other documents (if required)
