Consumer 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:

Tenure	Interest Rate (p.a.)
Tenure	USD	KHR
1 Month	N/A	N/A
3 Months	2.50%	2.75%
6 Months	3.00%	3.25%
9 Months	3.75%	4.00%
1 Year	4.75%	5.00%
2 Years	5.00%	5.25%
3 Years	5.25%	5.50%
4 Years	5.50%	5.75%
5 Years	5.75%	6.00%

1.2 Interest receive on maturity:

Tenure	Interest Rate (p.a.)
Tenure	USD	KHR
1 Month	2.00%	2.25%
3 Months	2.75%	3.00%
6 Months	3.25%	3.50%
9 Months	4.00%	4.25%
1 Year	5.00%	5.25%
2 Years	5.25%	5.50%
3 Years	5.50%	5.75%
4 Years	5.75%	6.00%
5 Years	6.00%	6.25%

1.3 Interest paid up-front:

Tenure	Interest Rate (p.a.)
Tenure	USD	KHR
1 Month	1.75%	2.00%
3 Months	2.50%	2.75%
6 Months	3.00%	3.50%
9 Months	3.75%	4.00%
1 Year	4.75%	5.00%
2 Years	5.00%	5.25%
3 Years	5.25%	5.50%
4 Years	5.50%	5.75%
5 Years	5.75%	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.
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 rates are subject to change from time to time without prior notice.
p.a. stands for per annum.

Eligibility and Documentation

Residents 18 years old and above
Cambodian National ID or Passport
Or any two of the following: Driving License, Family Book, Residential Book, Birth Certificate, Monk's Card or Government Official ID (One must have your photo in it.)