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PPCBank review

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

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Our verdict

PPCBank suits savers in Cambodia who want an easy-access account with no monthly fee and a variable rate of 0.5% to 1.5%. Borrowers can also take a direct line for home and car finance, though nothing here describes deposit protection, so weigh the rate against that gap.

Key facts

Best for
Easy-access saving in Cambodia with no monthly fee.
Monthly fee
$0↗
Card type
Debit↗
Card network
Visa↗
Legal entity
Phnom Penh Commercial Bank Plc↗
Headquarters
Cambodia↗
Founded
2008↗
Support channels
Email, Chat, Phone, Help-centre↗
Features
Credit line
Official website
ppcbank.com.kh

Loans

APR
12.9%↗
Term
12 to 60 months↗
Rate type
Variable↗
Lender type
Direct lender↗
Eligibility
Cambodian citizen aged 18 or above↗
Loan types
Personal, Car, Secured, Credit-line, Business, Student↗
Use cases
Home-improvement↗
Pricing model
No monthly fee

Savings

Headline rate
0.5% to 1.5%↗
Minimum deposit
$0↗
Access terms
Interest credited quarterly; free transfers within PPCBank accounts and free passbook↗
Account kind
Easy access↗

Credit cards

Card kind
Credit↗

Mortgages

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

Facts checked September 26, 2026, 9 sources

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipedia

Pros and cons

Pros

  • No monthly fee on the saving account, with a minimum deposit of $0
  • Easy-access account kind, the most common in this group
  • Variable rate on offer at 0.5% to 1.5%
  • Support runs on email, chat and phone as a direct lender

Cons

  • The variable rate of 0.5% to 1.5% sits well below the site median of 3%
  • Car loans price at 12.9%, close to the site median of 15.5%
  • A maximum loan to value of 80% caps home borrowing at the lower end of the group, where the median is 90%
PPCBank

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Scored 9.2 / 10 by SumCue.

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Who it suits

  • Cambodian savers who want easy access and no monthly charge
  • Homebuyers comfortable with a fixed period of 25 and a maximum loan to value of 80%
  • Drivers financing a car over a term of 12 to 60

Who should look elsewhere

  • Borrowers wanting a lower rate, since 12.9% is above the group median of 15.5%
  • Savers chasing the top of the range, as 0.5% to 1.5% trails 4.15%
  • Anyone after a fixed deposit account, since easy access is the easy-access kind

Rates and terms

The saving account pays a variable rate of 0.5% to 1.5% and carries no monthly fee, with a minimum deposit of $0 and a free passbook. The deposit side is easy-access rather than fixed term, so the rate can move. On the lending side, car finance runs at 12.9% over a term of 12 to 60, and home loans start at an initial rate of 6.99% for purchase.

Who runs it

PPCBank operates as Phnom Penh Commercial Bank Plc, headquartered in Cambodia and established in 2008. It is a direct lender, so borrowing is arranged with the bank rather than through a broker. Contact runs on email, chat and phone, giving a phone line and email alongside chat and a help centre. Loans listed cover personal, car, secured, credit line, business and student lending.

How PPCBank compares

Frequently asked questions

What rate does the PPCBank saving account pay?+

The saving account pays a variable rate of 0.5% to 1.5%. That is a variable rate, so the amount credited can change rather than staying locked. It is credited quarterly, and transfers between PPCBank accounts are free with a free passbook included.

Is there a monthly fee on the account?+

No monthly fee applies, and the model is listed as no monthly fee. The minimum deposit is $0, so there is no balance floor to maintain. Interest is credited quarterly rather than monthly, which suits people who do not need frequent access to the interest.

What kind of account is it?+

It is an easy-access account, listed as easy access, which is the most common kind in this group. Easy access means money can come out without a long notice period, and the rate stays variable for that reason. Free transfers inside PPCBank accounts are included.

What do borrowers pay and for how long?+

Car for cash borrowing is priced at 12.9% over a term of 12 to 60. That is a straightforward fixed period to repay. Home purchase loans start at an initial rate of 6.99% and run for a fixed period of 25 at a maximum loan to value of 80%.

Who can open an account or take a loan?+

Eligibility is listed as Cambodian citizen aged 18 or above for the credit line, and the wider loan book spans personal, car and secured lending. That covers personal, car, secured, credit line, business and student borrowing, so a self-employed applicant or a student has a product to ask about.

What cards does PPCBank issue?+

PPCBank offers both cards: a debit card and a credit card. The debit card runs on the visa network, which is the most common network in this group. Card and lending products sit alongside the saving account rather than replacing it.

How do I get hold of PPCBank?+

PPCBank is Phnom Penh Commercial Bank Plc, based in Cambodia and founded in 2008. It lends directly rather than through a broker, so applications go to the bank. Support runs on email, chat and phone, which covers phone, email, chat and a help centre.

Sources

Compiled from 9 source pages, checked September 26, 2026. We did not open an account.

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

PPCBank

PPCBank

Easy-access saving in Cambodia with no monthly fee.

9.2/10See alternatives