Vattanac Bank Mobile review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Vattanac Bank Mobile suits everyday spenders who want a fee free Visa debit card and a savings pot they can dip into on demand. The account carries a monthly fee of KHR 0 and pays 0.5% at a variable rate, below the site median of 3%.
Key facts
Savings
Loans
Pros and cons
Pros
- No monthly cost on the account, with a monthly fee of KHR 0
- Visa debit card for everyday spend at ATMs and branches
- Savings pay 0.5% at a variable rate, with a low entry point of $10
- Access by Vattanac Mobile Banking, Internet Banking, ATMs and all branches
Cons
- Headline rate of 0.5% sits under the site median of 3%
- Help runs on phone only
- Loans reach $20,000 over 60 against a site loan size median of €526.18
Who it suits
- Cambodian residents with permanent residency who hold a national ID card or passport
- Savers who want funds withdrawable on demand without a notice period
- Business owners needing both personal and business borrowing in the same place
Who should look elsewhere
- Anyone wanting interest at the site median of 3% or better
- People who prefer live chat or email help, since support runs on phone only
- Borrowers after long terms, as the longest listed runs 60
Rates and card terms
The savings account pays 0.5% on a variable basis, so the return moves with the bank rather than locking in. Entry starts at $10, which keeps the account within reach of a first deposit. Alongside it sits a Visa debit card with no monthly charge, and borrowing runs to $20,000 across 60 for personal and business purposes.
How Vattanac Bank Mobile compares
8.7 vs 9.4
8.7 vs 9.0
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8.7 vs 9.0
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8.7 vs 8.0- 8.7 vs 8.0
Frequently asked questions
What does the account cost each month?+
Nothing. The monthly fee is KHR 0, and the account runs on a no monthly fee model. There is nothing to pay to keep the savings pot open or to hold the Visa debit card.
How much interest does the savings account pay?+
The headline rate is 0.5% and it is variable, so the return follows the bank's own pricing. That sits below the site median of 3% for this product type, which is worth weighing if interest is the main reason to save.
How small can the first deposit be?+
The minimum deposit is $10, low enough to start small and add later. The site median for minimum deposits is €0.88, so this entry point sits close to what most accounts in the comparison ask for.
Can I take money out whenever I want?+
Yes. Funds are withdrawable on demand, with no notice period to serve. Access runs through Vattanac Mobile Banking, Internet Banking, ATMs and all branches, so withdrawals do not depend on opening hours at a single channel.
What card comes with the account?+
A debit card on the visa network, which means it works at ATMs and in shops the usual way. It runs alongside the savings account rather than replacing it, so the card and the deposit can be used independently.
How can I get help?+
Support runs on phone. Phone is the one channel listed for the card and account service, so it is worth checking availability before you need it if you normally rely on email or live chat.
How much can I borrow from the bank?+
The loan amount runs to $20,000 over 60, covering personal and business needs. The bank lends directly rather than acting as a broker, so the decision sits with Vattanac Bank itself.
Who is eligible to borrow?+
Applicants need permanent residency plus a Khmer national ID card or passport, a stable business or career, and a land title deed or land certificate as security. Applicants must also be adults at or above the stated minimum age.
Sources
- en.wikipedia.org/wiki/Vattanac_Bank checked September 26, 2026
Backs: Founded
“It was founded in 2002 and is based in the capital Phnom Penh”
- vattanacbank.com checked September 26, 2026
Backs: Headquarters
“Level 2, Vattanac Capital, No. 66, Preah Monivong Blvd. Phnom Penh”
- vattanacbank.com/personal/cards checked September 26, 2026
Backs: Card type, Legal entity, Card network, Support channels
“Debit Card - Drawn directly from your bank accounts”
- vattanacbank.com/personal/deposits/basic-savings checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Monthly fee, Rate type
“Accounts that pay interest and funds can be withdrawn upon demand”
- vattanacbank.com/personal/loans checked September 26, 2026
Backs: Lender type
“Talk to the Branch Manager or Branch Credit Officer about your loan needs”
- vattanacbank.com/personal/loans/micro-loan checked September 26, 2026
Backs: Loan amount, Eligibility, Loan types, Term
“Micro Loans: Loan amount Up to 20,000 US$ or KHR 80 Million”
- vattanacbank.com/personal/loans/housing checked September 26, 2026
Backs: Fixed period, Purpose
“Home Loan ... Repayment terms: Up to 15 years ... Repayment mode: Term loan”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
Related by the facts
Vattanac Bank Mobile
Cambodian residents who want a no cost Visa debit card alongside an easy access savings account.