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AMK Bank review

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

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Our verdict

AMK Bank suits Cambodian savers who want money available on demand, with an easy-access account paying a variable 2% to 3% and a monthly fee of KHR 0. The same bank lends directly, with group loans at an APR of 1.5% alongside personal, business and home lending.

Key facts

Best for
Easy-access saving in Cambodia with same-day emergency cash and group lending from the same bank.
Headline rate
2% to 3%↗
Rate type
Variable↗
Term
24 months↗
Minimum deposit
KHR 1,000↗
Access terms
Easy deposit and withdraw anytime, anywhere via branch, AMK staff, AMK Mobile Banking and ATM/CDM↗
Monthly fee
KHR 0↗
Account kind
Easy access↗
Legal entity
AMK Bank Plc↗
Headquarters
Cambodia↗
Founded
2002↗
Support channels
Phone, Email, Chat↗
Pricing model
No monthly fee
Official website
amkcambodia.com

Loans

APR
1.5%↗
Loan amount
KHR 4,000,000↗
Funding time
Immediate access to funds↗
Lender type
Direct lender↗
Eligibility
Age 18 to 70, permanent address in Cambodia, regular or stable income from business; mutual group guarantee required↗
Loan types
Personal, Guarantor, Secured, Car, Business, Credit-line↗
Use cases
Home-improvement↗
Features
Same-day funding

Mortgages

Initial rate
1% to 1.2%↗
Fixed period
20 years↗
Purpose
Purchase↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Get the app
App Store
Elsewhere
LinkedIn

Pros and cons

Pros

  • The easy-access account pays a variable 2% to 3% on a minimum deposit of KHR 1,000, and money moves in and out at any time through branches, AMK staff, AMK Mobile Banking and ATMs and CDMs.
  • A monthly fee of KHR 0 on the easy-access account, so holding the balance carries no monthly charge.
  • The emergency loan carries same day funding and Immediate access to funds, which suits an urgent bill that cannot wait out a longer term.
  • Group loans run at an APR of 1.5% over a term of 24 for applicants with a stable income and a mutual guarantee.

Cons

  • The variable 2% to 3% headline rate is no higher than the savings median of 3%, so the return sits in line with the savings market rather than above it.
  • Group lending requires a mutual group guarantee, which narrows who can borrow under the 1.5% terms.
  • Loan eligibility is limited to applicants with a permanent address in Cambodia and a stable income, so the personal, guarantor and secured range is aimed at local borrowers.
AMK Bank

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Scored 9.1 / 10 by SumCue.

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Who it suits

  • Cambodian households and small traders who want easy-access saving with branch, staff and mobile access.
  • Borrowers with a stable business income who can bring a mutual group guarantee and want an APR of 1.5% on group loans.
  • Customers who value a KHR 0 monthly fee and same-day emergency cash over the highest available rate.

Who should look elsewhere

  • Savagers chasing the highest rate: Wise pays 3.29% and bunq pays 3.01%, both above the range here.
  • Anyone who wants a wide spread of possible returns, since Finteres runs 0% to 36% rather than a narrow variable band.

How AMK Bank compares

Where AMK Bank is available

Available
Cambodia
Licence in Cambodia
National Bank of Cambodia, checked September 26, 2026

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

Frequently asked questions

What rate does the AMK Bank easy-access savings account pay?+

The easy-access account pays a variable 2% to 3%. That is no higher than the savings median of 3% on the site, so it is a fair return rather than an exceptional one. The account also carries a monthly fee of KHR 0 and needs a minimum deposit of KHR 1,000.

Are there fees on the account?+

The easy-access account has a monthly fee of KHR 0 and a minimum deposit of KHR 1,000. Deposits and withdrawals can be made at any time through a branch, AMK staff, AMK Mobile Banking or an ATM and CDM, so access costs are not tied to a fixed term.

How do deposits and withdrawals work?+

Access runs through a branch, AMK staff, AMK Mobile Banking or an ATM and CDM, and the account kind is easy access, which is designed for money that has to be available on demand. Support runs on phone, email and chat for anyone who cannot reach a branch in person.

Who regulates AMK Bank?+

AMK Bank Plc is supervised by the National Bank of Cambodia, the country's banking regulator, and is based in Cambodia. The bank was founded in 2002 and operates as a direct lender, so applications and balances are handled by the bank itself.

Can I borrow from AMK Bank?+

Yes. The loan types listed are personal, guarantor and secured and the bank is a direct lender. Group loans reach KHR 4,000,000 at an APR of 1.5% over a term of 24, and the emergency loan adds same day funding with Immediate access to funds.

Is my saving protected by a deposit scheme?+

The regulator named for the bank is the National Bank of Cambodia, and the account itself is an easy-access account paying a variable 2% to 3% with a monthly fee of KHR 0. Protection terms sit in the bank's current account documentation, so read those before opening an account.

Who qualifies for the group loans?+

Group lending is aimed at adults with a permanent address in Cambodia and a regular or stable income from business, and it requires a mutual group guarantee. Borrowing runs to KHR 4,000,000 at an APR of 1.5% over a term of 24.

Does AMK Bank offer home loans?+

Home finance is aimed at buying a home, with the purpose listed as purchase, and the stated use case is home improvement. The initial rate is 1% to 1.2% over a fixed period of 20, so it suits owner occupiers rather than a short-term bridging purchase.

Sources

  • amkcambodia.com checked September 26, 2026

    Backs: Loan types

    “Personal Loans: Group Loan, Affordable Housing Loan, Emergency Loan, Car Loan; Business Loans: Micro and Small Loan, Supply Chain Loan, Overdraft Facility (OD)”

  • amkbank.com.kh/about checked September 26, 2026

    Backs: Founded, Legal entity, Lender type, Licences

    “was formally established in 2002 in line with Cambodia's evolving microfinance regulations”

  • amkbank.com.kh/contact checked September 26, 2026

    Backs: Headquarters, Support channels

    “Head office Address: Building #285, Yothapol Khemarak Phoumin Blvd (271), Sangkat Tumnub Teuk, Khan Boeung Keng Kang, Phnom Penh, Cambodia.”

  • amkbank.com.kh/services/easy-saving-account checked September 26, 2026

    Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Monthly fee, Rate type

    “Easy deposit and withdraw anytime, anywhere.”

  • amkbank.com.kh/services/emergency-loan checked September 26, 2026

    Backs: Features, Funding time

    “Fast Cash When You Need It: Immediate access to funds for unexpected expenses.”

  • amkbank.com.kh/services/group-loan checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Term

    “Group loan - Product Attribute: Loan Size Up to 4,000,000 riel”

  • amkbank.com.kh/services/home-loan checked September 26, 2026

    Backs: Fixed period, Initial rate, Purpose, Use cases

    “Affordable Housing Loan (Home loan) Product Attribute: Loan Term Up to 240 months”

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Deposit protection.

AMK Bank

AMK Bank

Easy-access saving in Cambodia with same-day emergency cash and group lending from the same bank.

9.1/10See alternatives