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ABA Bank review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

ABA Bank suits customers who want a multi-currency Visa debit card alongside useful savings and borrowing options. The savings account has no monthly fee of $0, while the Salary Loan can be funded in seconds and repaid early without charge.

Key facts

Best for
Customers wanting a multi-currency Visa debit card and easy-access savings.
Monthly fee
$0↗
Card type
Debit↗
Card network
Visa↗
Legal entity
Advanced Bank of Asia Limited↗
Headquarters
Cambodia↗
Founded
1996↗
Support channels
Email, Phone↗
Features
Multi-currency
Official website
ababank.com

Loans

APR
14.4%↗
Loan amount
$100↗
Term
1 to 12 months↗
Arrangement fee
0 USD↗
Credit check
Hard↗
Funding time
Instant, in seconds↗
Rate type
Variable↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Salary Loan: 18+, salary paid through ABA for 3 consecutive months, active ABA Mobile user, clean CBC record↗
Loan types
Personal↗
Credit needed
Good↗
Pricing model
No monthly fee

Savings

Headline rate
0% to 1.25%↗
Minimum deposit
$0↗
Access terms
On demand access, no notice period; interest paid monthly or on account closure; free early closure↗
Account kind
Easy access↗

Mortgages

Initial rate
6.5%↗
Maximum loan to value
80%↗
Product fee
$0↗
Purpose
Purchase, Remortgage, Home-equity↗

Facts checked September 26, 2026, 9 sources

Apps and profiles

Get the app
App Store
Elsewhere
LinkedInamchamcambodia.net

Pros and cons

Pros

  • The debit card is a debit card on the visa network with multi currency functionality.
  • The savings account charges a monthly fee of $0.
  • The Salary Loan has an origination fee of 0 USD and can be repaid early for no charge.
  • Customers can manage support through email and phone.

Cons

  • The Salary Loan uses a hard credit check and requires good credit.
  • Salary Loan funding is Instant, in seconds.
  • The savings rate is variable, with a headline rate of 0% to 1.25%.
ABA Bank

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Scored 9.1 / 10 by SumCue.

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Who it suits

  • Customers who need a debit card for everyday spending across multiple currencies.
  • Savings customers seeking on-demand access, no notice period and free early closure.
  • Borrowers who meet the Salary Loan eligibility requirements and need rapid funding.

Who should look elsewhere

  • Borrowers without good credit or who cannot meet the Salary Loan eligibility requirements.
  • Customers wanting a long fixed-term savings commitment rather than easy access access.
  • Mortgage customers whose property financing needs exceed the maximum loan to value of 80%.

How ABA Bank compares

Where ABA Bank is available

Available
Cambodia

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What type of debit card does ABA Bank offer?+

ABA Bank offers a debit card on the visa network. Its listed feature is multi currency, making the card relevant for customers who hold or use several currencies through their everyday bank account.

Does the ABA Bank savings account have a monthly fee?+

The savings account charges a monthly fee of $0. It also offers on-demand access without a notice period, pays interest monthly or when the account closes, and allows free early closure.

How is interest calculated on the savings account?+

The savings account has a variable rate, with a headline rate of 0% to 1.25%. Interest is paid monthly or on account closure, and the minimum deposit is $0.

How quickly can a Salary Loan be funded?+

Salary Loan funding is Instant, in seconds. The loan is provided directly by ABA Bank, has an APR of 14.4%, and comes with an origination fee of 0 USD.

Who is eligible for the Salary Loan?+

Applicants must be adults, have their salary paid through ABA Bank for a qualifying period, actively use ABA Mobile, and have a clean CBC record. The application also uses a hard credit check and calls for good credit.

Can the Salary Loan be repaid early?+

The Salary Loan offers free early repayment. Its term is 1 to 12, giving borrowers some scope to match repayment timing with their available cash flow.

What can the mortgage loan be used for?+

The mortgage loan supports purchase, remortgage and home equity. Its initial rate is 6.5%, the product fee is $0, and the maximum loan to value is 80%.

How can customers contact ABA Bank?+

Support is available through email and phone. Customers can therefore contact the bank by either email or phone for assistance with its accounts and products.

Sources

Compiled from 10 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.

ABA Bank

ABA Bank

Customers wanting a multi-currency Visa debit card and easy-access savings.

9.1/10See alternatives