Prince Bank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Prince Bank is a Cambodian direct lender built around a fixed-rate personal loan at 15% APR, paired with a credit card that pays $1 cashback per $10 minimum spend in cashback with no annual fee. It suits salaried Cambodian applicants with documents ready who want a home improvement loan and everyday spending on one account.
Key facts
Loans
Pros and cons
Pros
- Borrowing is priced at a fixed rate of 15% APR, so the repayment does not move with base rate changes.
- The credit card has an annual fee of $0 and pays $1 cashback per $10 minimum spend in cashback rewards.
- Lending runs straight from the bank, with borrowing of up to $25,000 and a term of up to 60 handled in one place.
Cons
- Support runs on phone only, so questions are handled by phone rather than in writing.
- The APR of 15% is above the personal loan median of 13.75% and the 7.51% lower quartile, so it is not the cheapest credit in this field.
- Every application runs a hard credit check, which leaves a record on the file that can weigh on later borrowing.
Ready to try Prince Bank?
Scored 8.3 / 10 by SumCue.
Who it suits
- Salaried Cambodians holding an ID card or passport, an employment certificate and salary or bank statements
- People funding home improvement who want a fixed repayment rather than a rate that resets
- Card users who want cashback rewards on an annual fee of $0
Who should look elsewhere
- Applicants outside Cambodia, since Prince Bank lends to Cambodians only
- Borrowers chasing the lowest rate, as 15% sits above 13.75% for personal loans here
- Anyone after a mortgage, a savings account or a business facility, as the range covers personal lending
Rates and terms
Pricing is set as a fixed rate at 15% APR, so the cost of borrowing does not shift when base rates move. Repayment runs over a term of up to 60, which spreads a home improvement bill over a longer window. The APR sits above 7.51% and below 20.74% in the wider personal loan market, so it prices in the middle rather than at either end.
Who runs it
The lender is Prince Bank Plc., headquartered in Cambodia and trading since 2015. It deals with borrowers directly rather than through a broker, so applications, terms and settlement run through the bank itself. Support is limited to phone, so questions are handled by phone rather than in writing.
How Prince Bank compares
8.3 vs 8.0
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Frequently asked questions
What rate do I pay on a Prince Bank personal loan?+
Prince Bank lends at a fixed rate of 15% APR, so the cost stays level through the life of the loan rather than following base rate moves. The term runs to up to 60, which spreads repayments over a longer window.
Is there a fee for the credit card?+
The card is a credit card with an annual fee of $0, so holding it costs nothing across a year. Spending pays $1 cashback per $10 minimum spend in cashback rewards, with contactless technology and up to 50% off movie tickets at Major Cineplex and contactless technology alongside.
What credit check does Prince Bank run?+
Applications go through a hard credit check, which records the search against the file and can affect later borrowing. Hard checks are the common route across lenders here, at 85.5%, so this is the standard approach rather than a softer alternative.
Who can apply for the loan?+
Applicants must be adults and Cambodian, with a valid ID card or passport, an employment certificate, and a salary certificate or bank statement covering a waiting period. Proof of income sits at the centre of the file, and the lending runs direct from Prince Bank, with home improvement the stated purpose.
How much can I borrow?+
Borrowing of up to $25,000 is available on a personal loan, the only type the bank offers, as personal covers personal lending alone. The term runs to up to 60, so a larger balance is repaid over a longer period.
Where can I get help with an application?+
Support runs on phone only, so questions about an application, a card or a repayment are handled by phone rather than in writing. Phone support is also the most common route across lenders in this field, at 80.2%.
How long has Prince Bank been running?+
The lender trades as Prince Bank Plc., based in Cambodia, and has been operating since 2015. It is a direct lender, so loan terms come from the bank itself rather than a broker, and the same relationship covers the personal loan and the card.
Sources
- phnompenhpost.com/business/prince-banks-mastercard-and-vi... checked September 26, 2026
Backs: Features, Perks, Rewards rate, Rewards type
“cashback benefits and exclusive promotions”
- web.archive.org/web/20251118124229/https://www.princebank... checked September 26, 2026
Backs: Founded, Headquarters, Legal entity, Lender type
“Prince Bank Plc. started its business operations in 2015 as a private microfinance institution”
- web.archive.org/web/20251118133342/https://www.princebank... checked September 26, 2026
Backs: Loan amount, APR, Credit check, Eligibility, Loan types, Pricing model, Rate type, Term, Use cases
“Unsecured Personal Loan: Loan amounts up to $25,000”
- web.archive.org/web/20260108093025/https://www.princebank... checked September 26, 2026
Backs: Support channels
“Our Contact Center: 1800-20-8888 (Toll Free)”
- princebank.com.kh/news/the-official-launch-of-prince-bank... checked September 26, 2026
Backs: Annual fee, Card kind
“annual fees were waived at the time of the card launch”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Headline rate, Minimum deposit, Deposit protection.
Prince Bank
A fixed-rate personal loan and a fee-free cashback card from one Cambodian bank.