Hattha Bank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Hattha Bank suits savers in Cambodia who want an easy-access account with interest paid straight into the balance each month. The rate of 1.5% to 1.75% sits below the site median of 3%, so the pull is the free balance access, not the yield.
Key facts
- Best for
- Easy-access saving with a KHR 0 minimum and monthly interest, plus branches, ATMs and app access.
- Headline rate
- 1.5% to 1.75%↗
- Rate type
- Variable↗
- Term
- 60 months↗
- Minimum deposit
- KHR 0↗
- Access terms
- No minimum opening balance; interest paid directly to the account every month; access via branches and ATMs nationwide, Hattha Mobile and internet banking↗
- Account kind
- Easy access↗
- Legal entity
- Hattha Bank Plc.↗
- Headquarters
- Cambodia↗
- Founded
- 1994↗
- Support channels
- Phone, Email↗
- Official website
- hatthabank.com.kh
Loans
- APR
- 1.3%↗
- Loan amount
- $50,000↗
- Lender type
- Direct lender↗
- Loan types
- Personal, Business, Student↗
- Use cases
- Home-improvement↗
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Get the app
- App Store
- Elsewhere
- LinkedInfacebook.com
Pros and cons
Pros
- No minimum opening balance, so the account takes any amount
- Interest credited directly to the account every month
- Access through branches and ATMs nationwide, Hattha Mobile and internet banking
- Loan arm lends directly to personal, business and student borrowers at 1.3%
Cons
- Rate of 1.5% to 1.75% sits under the site median of 3%
- Variable rate type, so the headline figure can move
- Support runs on phone and email only, so help centre chat is not an option
Who it suits
- Cambodian savers who keep an everyday balance and want monthly interest
- People who bank in branches and ATMs as well as on Hattha Mobile
- Borrowers funding home improvement with a personal loan
Who should look elsewhere
- Anyone chasing the top yield, as Wise pays 3.29% and bunq 3.01%
- Savers who need a fixed rate, since this one is variable
- People wanting a spread of lending options beyond a direct lender
How Hattha Bank compares
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Where Hattha 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 interest rate does the Hattha Bank savings account pay?+
The account pays a variable rate of 1.5% to 1.75%. Because the rate type is variable rather than fixed, the figure can move over the life of the account. The site median for headline rates is 3%.
Is there a minimum deposit to open the account?+
No. The minimum deposit is KHR 0, so there is no minimum opening balance to qualify. You can open it with a small starting sum and add to it later through the same channels you use to withdraw.
How is the money in the account protected?+
The bank is regulated by the National Bank of Cambodia, which is the licensing authority for this market. That supervision covers the safety of the deposits and the way the bank is run.
How do I get my money out?+
The account is easy-access, so you can reach your balance through branches and ATMs nationwide, Hattha Mobile and internet banking. There is no notice period to serve, and the minimum opening balance is KHR 0.
Can I borrow as well as save?+
Yes, the same bank lends directly. It offers personal, business and student loans, with borrowing of $50,000 available over 60 at an APR of 1.3%, aimed at uses such as home improvement.
How often do I get paid interest?+
Interest is credited straight to the account every month rather than paid out separately. That monthly credit applies to the easy-access account paying 1.5% to 1.75%.
Who is this bank for?+
It is aimed at savers in Cambodia who keep everyday money in an easy-access account and want the interest added each month. The lending side covers personal, business and student borrowers, with a stated use of home improvement.
How does the rate compare with other providers?+
The 1.5% to 1.75% here is below the site median of 3%. Wise pays 3.29% and bunq 3.01% on their savings, so the case for this account rests on access rather than rate.
Sources
- hatthabank.com.kh checked September 26, 2026
Backs: Loan types, Use cases
“Business Loan, Agriculture Loan, SME Loan, Overdraft Loan; Personal Loan: Khmer Student Loan, Social Loan, First Choice, Consumption Loan, Home for Cash”
- hatthabank.com/contact-us/call-center checked September 26, 2026
Backs: Headquarters, Support channels
“Address (Head Office): Hattha Bank Tower, Samdech Techo Hun Sen Blvd., Sangkat Chak Angrae Leu, Khan Mean Chey, Phnom Penh.”
- hatthabank.com/page/about-hattha-bank checked September 26, 2026
Backs: Lender type
“Hattha Bank, a commercial bank with a presence in Cambodia for more than 30 years, offers a comprehensive array of financial services to its customers, including retail consumer, business banking and...”
- hatthabank.com/page/bank-profile checked September 26, 2026
Backs: Founded, Legal entity, Licences
“1994: Hattha Bank Plc. was starting from a food security project established by OCSD/OXFAM-Quebec, a Canadian organization, providing micro loans to rural people in four communes in Pursat province.”
- hatthabank.com/page/consumption-loan checked September 26, 2026
Backs: Loan amount, APR, Term
“Consumption loan: Loan size: Up to USD 50,000 or equivalent to other currencies”
- hatthabank.com/page/saving checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Rate type
“High interest amounts paid directly to your account every month ... Easy access to branches and ATMs nationwide”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Deposit protection.
Related by the facts
Hattha Bank
Easy-access saving with a KHR 0 minimum and monthly interest, plus branches, ATMs and app access.