Personal Banking

Term Deposit

Put your surplus cash to work and get high, progressively increasing interest rates.

Available as a personal account, our term deposit offers maximum interest on your money. The longer you keep your money with us, the higher the rewards. What's more amazing is that it comes with premature flexibility to adapt to your needs.

Key Features and Benefits

  • Available in two currencies (USD/KHR) 
  • Customers can switch between internal accounts
  • High interest rate with 0.25% p.a. extra if the term deposit is in KHR
  • Withdrawal of deposit with full interest can only be made at the maturity date
  • Flexibility to add more funds other than your initial deposit to earn even greater interest
  • Receive all interest earned upon maturity date
  • Initial deposit of USD 1000 or KHR 4,000,000 

Interest Rate (p.a.)

1.1 Interest receive monthly:
TenureInterest Rate (p.a.)
USDKHR
1 MonthN/AN/A
3 Months2.50%2.75%
6 Months3.00%3.25%
9 Months3.75%4.00%
1 Year4.75%5.00%
2 Years5.00%5.25%
3 Years5.25%5.50%
4 Years5.50%5.75%
5 Years5.75%6.00%
1.2 Interest receive on maturity:
TenureInterest Rate (p.a.)
USDKHR
1 Month2.00%2.25%
3 Months2.75%3.00%
6 Months3.25%3.50%
9 Months4.00%4.25%
1 Year5.00%5.25%
2 Years5.25%5.50%
3 Years5.50%5.75%
4 Years5.75%6.00%
5 Years6.00%6.25%
1.3 Interest paid up-front:
TenureInterest Rate (p.a.)
USDKHR
1 Month1.75%2.00%
3 Months2.50%2.75%
6 Months3.00%3.50%
9 Months3.75%4.00%
1 Year4.75%5.00%
2 Years5.00%5.25%
3 Years5.25%5.50%
4 Years5.50%5.75%
5 Years5.75%6.00%

Interest paid up-front is not applicable for top-up. There will be a penalty for premature closure and shall be deducted from the principal before settling to the customer.

Notes:

  • Withholding tax on interest earned is 6% for residents and 14% for non-residents.
  • Interest receive monthly or maturity:
  • Allows additional deposit during term.
  • If premature withdrawal is made before half of the term, the interest rate will be based on saving or current account's rate, whichever is lower.
  • If premature withdrawal is made after half of the term has passed, interest will be half of the initially agreed interest.
  • Interest receive up-front:
    • Not allows additional deposit during term. 
    • If premature withdrawal, the interest rate will be based on saving or current account's rate, whichever is lower.
  • Interest rates are subject to change from time to time without prior notice.
  • p.a. stands for per annum.

Click HERE to read specific Terms and Conditions of Term Deposit account.