ACLEDA Bank review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
ACLEDA Bank is known for broad lending across personal, car, student and business needs alongside cash advances and credit lines. It suits employed or self-employed people with a permanent address who want easy access borrowing with support by phone, email and chat.
Key facts
Loans
- Loan amount
- KHR 400,000,000↗
- Term
- 120 months↗
- Arrangement fee
- 1% of loan amount (Salary Loan); 1.5% of the loan amount, minimum KHR 8,000 or USD 2 (Advance Salary Loan)↗
- Credit check
- Hard↗
- Funding time
- Immediate automated approval in the ACLEDA Super App, no branch visit or paperwork↗
- Rate type
- Fixed↗
- Lender type
- Direct lender↗
- Free early repayment
- Yes↗
- Eligibility
- Cambodian national with permanent address, employed or self-employed; Salary Loan age 18-55 with a payroll account held at ACLEDA Bank for at least 6 months↗
- Origination fee (%)
- 1% to 1.5%↗
- Loan types
- Personal, Cash-advance, Car, Student, BNPL, Credit-line, Business, Secured↗
- Use cases
- Home-improvement↗
Savings
- Access terms
- Any adult aged 18+; Cambodian ID, a passport valid at least 3 months, a family book, or another document with portrait. Foreigners also need a Cambodian residence document certified by a local authority. Accounts may also be opened from overseas with notarised documents certified by the applicant's embassy in Cambodia or a Cambodian notary.↗
- Account kind
- Easy access↗
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- TrustpilotLinkedInXwikidata.org
Pros
Pros
- Covers personal, car, student, business and secured borrowing in one range
- Provides cash advances and credit lines for home improvement plans
- Supports customers by phone, email and chat alongside app based decisions
Who it suits
- Employed people seeking broad loan choice
- Self-employed people planning home improvement
How ACLEDA Bank compares
Frequently asked questions
What types of borrowing does ACLEDA Bank cover?+
ACLEDA Bank covers personal, car, student and business borrowing alongside secured borrowing. The range also includes cash advances, credit lines and BNPL. Home improvement reflects a central use case for this borrowing.
Who can apply for ACLEDA Bank borrowing?+
Eligibility centres on Cambodian nationals with a permanent address who are employed or self-employed. Foreign applicants provide a Cambodian residence document certified by a local authority. Overseas applications use notarised documents certified through appropriate Cambodian channels.
How do customers access decisions on borrowing?+
Automated decisions on borrowing are handled in the ACLEDA Super App. Approval follows automated review there, which keeps the process within the app from start to finish. The approach reflects a preference for managing applications digitally.
Which company operates ACLEDA Bank?+
ACLEDA Bank is operated by ACLEDA Bank Plc.. (Source, checked September 26, 2026)
Where is ACLEDA Bank based?+
ACLEDA Bank is based in Cambodia. (Source, checked September 26, 2026)
When was ACLEDA Bank founded?+
ACLEDA Bank was founded in 1993. (Source, checked September 26, 2026)
How can I contact ACLEDA Bank support?+
ACLEDA Bank offers support through Phone, Email, Chat. (Source, checked September 26, 2026)
Sources
- acledabank.com.kh/kh/eng/bankprofile checked September 26, 2026
Backs: Headquarters, Legal entity
“The National Bank of Cambodia allows ACLEDA BANK PLC. to carry out operations as commercial bank with head office at Building No 61, Preah Monivong Blvd., Sangkat Srah Chak, Khan Doun Penh, Phnom...”
- acledabank.com.kh/kh/eng/ff_history checked September 26, 2026
Backs: Founded
“With the ILO and UNDP as godparents, ACLEDA was established in January 1993”
- acledabank.com.kh/kh/eng/ps_crpersonalloan checked September 26, 2026
Backs: Loan amount, APR, Credit check, Credit needed, Eligibility, Features, Free early repayment, Funding time, Lender type, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Term, Use cases
“Loan size is up to KHR 400,000,000”
- acledabank.com.kh/kh/eng/ps_deposit checked September 26, 2026
Backs: Access terms, Account kind, Support channels
“Deposit services can be accessed by everybody who is legal and at least 18 years old (businessmen or businesswomen, housewives, students, employees, workers, ministers, etc.) or legal corporations”
Compiled from 4 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Annual fee, Currency conversion fee, Rewards type.