Compare fixed deposit rates from 21 commercial banks in Cambodia.
12-month USD and KHR rates, minimum deposit and payout options, side by side. Independently verified each month. Select the banks you want quotes from and request callbacks in one form.
Fixed deposits in Cambodia: how to read this table
A fixed deposit (also called a term deposit) lets you lock your money with a bank for a set period in exchange for a fixed interest rate that is typically higher than a savings account. Cambodia's dual-currency market means you can hold the deposit in USD or KHR. KHR rates are usually 1% to 2% higher than USD rates as compensation for currency risk. Most banks offer terms from 1 month up to 60 months; this table shows the most-compared benchmark, the 12-month rate, in both currencies.
The four data points that matter most are: 12-month USD rate, 12-month KHR rate, minimum deposit, and interest payout option (monthly versus at maturity — the rates shown here are at-maturity). Sort by any column, tick the banks you want to talk to, and we'll route your callback request to the bank's deposit team. Banks may run promotional FD campaigns from time to time; for the latest offers check each bank's website or social media, or use the callback form to ask.
Fixed deposit rates from 21 commercial banks
Click any column header to re-sort · Rates verified May 2026
| Bank | 12-mo USD▼ | 12-mo KHR↕ | Min deposit↕ | Payout↕ | Actions | |
|---|---|---|---|---|---|---|
| 3.85% | 4.25% | USD 500 | At maturity | |||
| 2.25% | 2.75% | USD 100 | At maturity | |||
| 4.80% | 6.00% | USD 500 | At maturity | |||
| 4.60% | 5.30% | USD 1,000 | At maturity | |||
| 4.50% | 5.50% | USD 500 | At maturity | |||
| 4.50% | 5.50% | USD 50 | At maturity | |||
| 4.40% | 4.90% | — | At maturity | |||
| 4.00% | 5.00% | USD 50 | At maturity | |||
| 4.00% | 4.75% | USD 100 | At maturity | |||
| 4.00% | 5.00% | USD 50 | At maturity | |||
| 3.85% | 4.10% | — | At maturity | |||
| 3.75% | 4.75% | USD 1,000 | At maturity | |||
| 3.75% | 5.50% | USD 1,000 | At maturity | |||
| 3.50% | 6.00% | USD 500 | At maturity | |||
| 3.50% | 5.75% | USD 500 | At maturity | |||
| 3.50% | 4.50% | USD 500 | At maturity | |||
| 3.45% | 4.25% | USD 100 | At maturity | |||
| 3.00% | 5.50% | USD 500 | At maturity | |||
| 2.85% | 3.35% | — | At maturity | |||
| 2.50% | 5.00% | USD 500 | At maturity | |||
| 2.50% | 3.75% | USD 1,000 | At maturity |
How to open a fixed deposit in Cambodia
Opening an FD is straightforward once you have a bank account. Most Cambodian banks can issue the deposit the same day you bring funds and complete the paperwork. The four steps below are typical; specific minimums and document requirements vary by bank, so use these as a guide.
Open or use an existing bank account
You'll need a current or savings account at the bank where you plan to place the FD, since interest is paid into it and the principal returns to it at maturity. If you don't have one, bring your ID or passport, proof of address, and a small opening deposit (often USD 100 or less). Most banks open the account in under an hour.
Choose currency, term and payout
Pick USD or KHR based on your spending pattern and tolerance for currency risk. Choose the term (1, 3, 6, 12, 24, 36, 48, or 60 months) — longer usually pays more. Decide between monthly payout (income each month) and at-maturity payout (compound interest, slightly higher rate). If unsure, 12-month at-maturity is the safest default for most depositors.
Confirm the rate and ask about promotions
The published board rates we show above are starting points. Banks may run promotional FD campaigns from time to time, often tied to currency, deposit size, or relationship status, and details change throughout the year. The cleanest way to confirm what's currently on offer is to check the bank's website or social media, or ask the deposit officer: "Do you have any current FD promotions I qualify for?" Get the final rate in writing on the FD certificate before you transfer funds.
Set up maturity instructions
Decide whether the FD should auto-renew at maturity (at the then-prevailing rate, which may be higher or lower than your current rate) or pay out to your savings account. Set a calendar reminder for the maturity date either way — the grace period to change instructions is usually only 7 to 14 days. Keep the original FD certificate in a safe place; you may need it to withdraw or break the deposit later.
Beyond the headline rate
The 12-month USD or KHR rate above is just the starting point. A handful of conditions and tax rules will determine what you actually keep at the end of the term. Read these before locking in a deposit.
Withholding tax on interest
Interest is taxed at source before it reaches you: 6% for residents, 14% for non-residents. The rate quoted on the FD certificate is gross; your net interest will be lower.
Deposit protection cap
Cambodia's Deposit Protection Scheme (DPS), run by the National Bank of Cambodia, covers deposits up to KHR 50 million per depositor per bank (roughly USD 12,500). Amounts above this aren't protected if the bank fails. For larger savings, split across multiple banks. Both USD and KHR are covered.
Early withdrawal penalty
The big one for FDs. Most Cambodian banks pay zero interest if you break the deposit early; you only get your principal back. A few pay a reduced savings-account rate. If there's any chance you'll need the cash, choose a shorter term or keep an emergency fund separately.
Currency risk (KHR vs USD)
KHR deposits pay 1% to 2% more than USD to compensate for currency risk. The KHR has been stable around 4,000 to 4,100 per USD, but there's no guarantee. If your costs are in riel the risk is low; if you'll convert to USD or have USD obligations, the extra yield may not be worth it.
Monthly vs at-maturity payout
Monthly payout sends interest to your savings account each month. At-maturity keeps it compounding inside the FD. Monthly is typically 0.10% to 0.30% lower than at-maturity. If you need the income, monthly works; if you're building capital, at-maturity wins.
Auto-renewal terms
By default most banks auto-renew at maturity for the same term at the prevailing rate, which may be higher or lower than your original. You get a 7 to 14 day grace period after maturity to change the term, withdraw, or stop auto-renewal. Set a calendar reminder; missing it locks you in for another full term.
Relationship perks beyond the rate
A sizeable FD can unlock other benefits: a credit card without separate income proof, easier loan approval against the FD as collateral, premier or VIP banking with dedicated service, fee waivers on transfers, or bank-only promotions. Ask the deposit officer what comes with the FD at your size, and weigh the package against a slightly higher rate elsewhere.
Laddering & splitting strategies
Two ways to soften the early-withdrawal trap. Split one deposit into multiple smaller ones at the same maturity, e.g. 2× USD 25,000 instead of 1× USD 50,000, so you can break just one if needed while the rest keeps earning. Ladder across different maturities (6, 12, 24, 36 months) so one matures regularly, giving periodic liquidity and a chance to roll into higher rates. Combine both for maximum flexibility.
Frequently asked questions
Common questions about fixed deposits in Cambodia. For specific eligibility and current rates, contact the bank directly through the callback form above.
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