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KB PRASAC Bank review

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

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Our verdict

KB PRASAC Bank suits Cambodian traders and households who want a savings account, a Visa debit card and business loans together, at a variable rate of 1.5% with a minimum deposit of KHR 0. The catch is the cost of using the card: free ATM withdrawals are $0 and conversion costs 1% to 2%.

Key facts

Best for
A Cambodian current account, savings balance and small business lending from one bank.
Currency conversion fee
1% to 2%↗
Free ATM withdrawals
$0↗
Card type
Debit↗
Card network
Visa↗
Legal entity
KB PRASAC Bank Plc.↗
Headquarters
Cambodia↗
Founded
1995↗
Support channels
Phone, Email, Help-centre↗
Features
Travel
Official website
kbprasacbank.com.kh

Loans

Loan amount
up to $1,500↗
Term
up to 48 months↗
Rate type
Variable↗
Lender type
Direct lender↗
Eligibility
Aged 18 to 65 and a permanent resident with a legal business and regular income↗
Loan types
Personal, Business, Credit-line, Car, Secured, Student↗
Pricing model
No monthly fee

Savings

Headline rate
1.5%↗
Minimum deposit
KHR 0↗
Access terms
On demand via KB PRASAC ATM 24/7, branch offices, cash deposit machines and KB PRASAC Mobile; interest credited monthly↗
Account kind
Easy access↗

Mortgages

Initial rate
6.99%↗
Fixed period
25 years↗
Maximum loan to value
80%↗
Purpose
Purchase↗

Facts checked September 26, 2026, 8 sources

Apps and profiles

Get the app
App Store
Elsewhere
LinkedInXfacebook.com

Pros and cons

Pros

  • The account pricing is no monthly fee with a KHR 0 minimum deposit, so holding a balance costs nothing each month.
  • Interest is credited monthly, and money comes out on demand through ATMs, branch offices, cash deposit machines and the mobile app.
  • A debit card on the visa network is listed with travel features, and the bank lends directly across personal, business and credit line.

Cons

  • Free ATM withdrawals are $0, so cash machine use is charged rather than included.
  • The currency conversion fee of 1% to 2% sits above the flat charge at Wise.
  • A variable rate of 1.5% leaves the savings return at the lower end next to a 3% market median.
KB PRASAC Bank

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Scored 9.1 / 10 by SumCue.

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Who it suits

  • Small traders in Cambodia who want a current account, a savings balance and a business loan from the same bank.
  • Savings customers who want access on demand and no monthly fee pricing, rather than a fixed term product.
  • Homebuyers, since housing lending is offered for purchase at an initial rate of 6.99% with a maximum loan to value of 80%.

Who should look elsewhere

  • Travellers who convert a lot of currency: Wise charges a flat 0.1%.
  • Spenders who want no conversion charge at all: Starling Personal Account Debit Card converts at 0%.

Rates and card terms

The savings account pays a variable rate of 1.5%, so the interest credited each month follows the bank's own pricing rather than a locked-in deal. Money stays available on demand, with withdrawals at ATMs, branch offices, cash deposit machines and the mobile app, and interest credited monthly. Borrowing sits alongside it, with micro business loans of up to $1,500 and terms of up to 48.

The company behind it

KB PRASAC Bank Plc. is the legal entity, headquartered in Cambodia and founded in 1995. It holds a licence from the National Bank of Cambodia, the regulator for the market it operates in. Support runs on phone, email and help centre, so help comes by phone, by email or through a help centre.

How KB PRASAC Bank compares

Where KB PRASAC 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

How much interest does the savings account pay, and can the rate change?+

The savings account pays a variable rate of 1.5%, so the interest credited each month follows the bank's own pricing rather than a fixed deal. Interest is credited monthly and there is no set term, which keeps the balance flexible but leaves the return exposed to rate moves.

Is there a minimum deposit or a monthly charge on the account?+

The minimum deposit is KHR 0 and the account pricing is no monthly fee, so there is nothing needed to open it and nothing deducted each month. The charge to watch sits on the card instead, where foreign spending carries a currency conversion fee of 1% to 2%.

How do I get money out of the account?+

The account is easy access, and withdrawals are available on demand at KB PRASAC ATMs, branch offices, cash deposit machines and through the KB PRASAC Mobile app. Interest is credited monthly, so there is no notice period to serve before money is taken out.

What does the debit card cost when I spend in another currency?+

The card is a debit card on the visa network with travel features, so it is built for travel use. Foreign spending carries a currency conversion fee of 1% to 2%, and that charge is the number to weigh against flat-fee cards from rivals.

Are ATM withdrawals free?+

Free ATM withdrawals are $0, so cash machine use is a charge rather than an included allowance, and the bank ranks 44 of 124 brands on that measure. Putting money in by branch or cash deposit machine is still available.

Who regulates the bank and where is it based?+

KB PRASAC Bank Plc. is the legal entity, headquartered in Cambodia and founded in 1995. It is licensed and supervised by the National Bank of Cambodia, the regulator for the market it serves.

Does the bank lend, and to whom?+

It lends directly, as a direct lender, across personal, business and credit line. The micro business facility runs to up to $1,500 with terms of up to 48, aimed at adults who are permanent residents with a legal business and regular income. Housing lending for purchase starts at an initial rate of 6.99%.

Sources

Compiled from 8 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Monthly fee, Protection.

KB PRASAC Bank

KB PRASAC Bank

A Cambodian current account, savings balance and small business lending from one bank.

9.1/10See alternatives