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Rates & Fees Charges
Cash Withdrawal Visa Debit CardVisa Credit Classic  Visa Credit Gold 
PPCBank’s ATMsFree 2% of withdrawal amount (minimum of $5)
Domestic ATMsUSD 4 per transaction
Overseas ATMs2% of withdrawal amount (minimum of $5)
1. ​SAVING​ ACCOUNT (MINIMUM OPENING BALANCE=USD 5.00)
INTEREST RATE
USDKHR
0.80% p.a1.25% p.a
2. FIXED DEPOSIT WITH INTEREST PAYMENT AT MATURITY RATE
TERM

INTEREST RATE
USDKHR
3 months2.70% p.a3.25% p.a
6 months3.70% p.a4.25% p.a
12 months5.00% p.a5.50% p.a
18 months5.25% p.a5.75% p.a
24 months5.50% p.a6% p.a
36 months6.00% p.a
48 months6.25% p.a
60 months6.50% p.a
3. FIXED DEPOSIT WITH MONTHLY INTEREST PAYMENT
TERM
INTEREST RATE
USDKHR
3 months2.40% p.a3.00% p.a
6 months3.50% p.a4.00% p.a
12 months4.75% p.a5.00% p.a
18 months5.00% p.a5.30% p.a
24 months5.25% p.a5.6% p.a
36 months5.50% p.a
48 months5.75% p.a
60 months6.00% p.a
4. INSTALLMENT DEPOSIT ACCOUNT

a. INSTALLMENT DEPOSIT ACCOUNT (MINIMUM OPENING BALANCE: USD 10)

TERMINTEREST RATE (USD)
6 months3.00% p.a
12 months4.50% p.a
24 months5.00% p.a
36 months5.50% p.a
b. PREMIER INSTALLMENT DEPOSIT ACCOUNT (MINIMUM OPENING BALANCE USD 500)
TERMINTEREST RATE (USD)
6 months3.70% p.a
12 months5.00% p.a
24 months5.50% p.a
36 months6.00% p.a
1. SME SOBEN LOAN
LOAN AMOUNTUSD 500,000 – USD 1,000,000
INTEREST RATEVery competitive interest rate
LOAN RATIOUp to 90% of collaterals (negotiable)
PROCESSING FEE1.5% of loan amount
LOAN PERIODUp to 8 years ( 96 months)
LOAN REPAYMENTBullet / negotiable principal / Installment / amortization / installment
COLLATERALLand and building
2. LARGE LOAN
LOAN AMOUNTFrom USD 500,000 – up
INTEREST RATEfrom 0.62% per month
PROCESSING FEE1% of loan amount
LOAN PERIODUp to 72 Months
LOAN REPAYMENTBullet / negotiable principal / Installment / amortization / installment
COLLATERALLand and building
3. MEDIUM LOAN
LOAN AMOUNTMore than USD 50,000 to Under USD 500,000
INTEREST RATEFrom 0.66% per month
PROCESSING FEE1% of loan amount
LOAN PERIODUp to 72 Months
LOAN REPAYMENTbullet / negotiation principal / amortization / installment
COLLATERALLand and building
4. SMALL LOAN
LOAN AMOUNTFrom USD 10,000 to USD 50,000
INTEREST RATEFrom 0.91% per month
PROCESSING FEE1% of loan amount
LOAN PERIODUp to 72 Months
LOAN REPAYMENT3 repayment
COLLATERALLand and building
5. HOUSING LOAN
LOAN AMOUNTFrom USD2,000 – up
LOAN APPROVEDUp to 80% of house value
DEPOSITTo be 20% of house value
INTEREST RATEFrom 7.90% per annum
PROCESSING FEE1% of loan amount
LOAN PERIODUP to 20 years
LOAN REPAYMENTAmortization/Installment
COLLATERALLand and building
6. CAR LOAN
LOAN AMOUNTUp to USD 300,000
LOAN APPROVEDUp to 70% of house value
DEPOSITTo be 30% of house value
INTEREST RATEFrom 8.50% per annum
PROCESSING FEE1% of loan amount
LOAN PERIODUP to 6 years
LOAN REPAYMENTAmortization/Installment
COLLATERALCar ID/property (land building)

1. smartBiz

Firs yearFree
Second Year$10/month if average previous month’s saving account or current account balance ≤  USD 10,000
Free of charge if average previous month’s saving account or current account balance ≥ USD 10,000
Date of chargingThe fee will be charge on 10th business day after first month usage
Transfer Limit and Fee Charge 
Transfer type Daily transfer Single transfer Fee charge 
Standard limitUSD 50,000USD 10,000Free
InterbankBased on user transfer limitBased on user transfer limit$2 or .10% of total amount
OverseasBased on user transfer limitBased on user transfer limitFollow operational OTT oversea charge
FAST transferKHR 200,000,000KHR 40,000,000Follow operational FAST payment service

2. VIRTUAL ACCOUNT SERVICE

Fee charge Remarks 
Issuance fee0.05c per accountFree for first Issuance
Transfer in & Deposit0.01c per tranx​​ or– Free for first year
– Fee will be charged on 10th every month
$30 Min. monthly fee ( applied when the total amount fee charge is less than $30

3. SMS ALERT SERVICE 

Two types of fee charge

1st type0.05c / notification
2nd typeUSD 1/ unlimited notifications

 

I. LOCAL FUND TRANSFER

1. INTER-BANK TRANSFER

Type of TransferAmount (USD)Fee (USD)
InwardAny amountFree
Outward 2,000USD 2
> 2,0000.1% of transferred amount

2. INTRA-BANK TRANSFER

Fund Transfer between PPCBank (Account to Account and Cash/CHQ to Account at counter)

Type of TransferAmount (USD)Fee (USD)
Surround Phnom PenhAny amount Free (Included: Kandal Branch)
Phnom Penh/Province to Province 30,000Free
> 30,0000.1% of transferred amount

3. REAL-TIME FUND TRANSFER

Transfers in USD
Amount (USD)Fee (USD)
0 – 1,0000.76
< 1,000 – 5,0001.51
< 5,000 – 10,0002.31
< 10,000 – 25,0003.06
< 25,000 – 50,0003.81
Transfers in KHR
Amount (KHR)Fee (KHR)
0 – 4,000,0003,000
< 4,000,000 – 20,000,0006,000
< 20,000,000 – 40,000,0009,000
< 40,000,000 – 100,000,00012,000
< 100,000,000 – 200,000,00015,000

4. FAST TRANSFER

Transfer TypeAmount (KHR)Fee (KHR)
InwardMax 40 millionFREE
Outward0 – 4 million4,000
4,000,001 – 20, million8,000
20,000,001 – 40 million12,000

5. WING TRANSFER 

a. Transfer to Wing made on PPCBank Mobile Banking App and smartBiz

Transfer TypeAmountSender’s Fee (PPCBank)Receiver’s Fee (Wing)
USD
To Cash Pick-Up Service (Phone Number)USD 0 – USD 500.00USD 0.5USD 2.5
 USD 500.01 – USD 1,000.00USD 0.5USD 5.0
To AccountUSD 0 – USD 500.49USD 0.5USD 2.5
 USD 500.50 – USD 2,500USD 1.0USD 3.5
KHR
To Cash Pick-Up Service (Phone Number)KHR 0 – KHR 2,000,000KHR 2,000KHR 10,000
 KHR 2,000,100 – KHR 4,000,000KHR 2,000KHR 20,000
To AccountKHR 0 – KHR 2,001,900KHR 2,000KHR 10,000
 KHR 2,002,000 – KHR 10,000,000KHR 4,000KHR 14,000

b. Transfer to Wing made at PPCBank branches

Transfer TypeAmountSender’s Fee (PPCBank)Receiver’s Fee (Wing)
USD
To Cash Pick-Up Service (Phone Number)USD 0 – USD 500.00USD 1.0USD 2.5
 USD 500.01 – USD 1,000.00USD 1.0USD 5.0
To AccountUSD 0 – USD 500.49USD 1.0USD 2.5
 USD 500.50 – USD 2,500USD 1.5USD 3.5
KHR
To Cash Pick-UpKHR 0 – KHR 2,000,000KHR 4,000KHR 10,000
 KHR 2,000,100 – KHR 4,000,000KHR 4,000KHR 20,000
To AccountKHR 0 – KHR 2,001,900KHR 4,000KHR 10,000
 KHR 2,002,000 – KHR 10,000,000KHR 6,000KHR 14,000

c. Wing Money App transfer to PPCBank (Account to Account):

Amount*Charged by WING
USD
USD 0 – USD 500.49USD 2.00
USD 500.50 – USD 2,500USD 3.00
KHR
KHR 0 –KHR 2,001,960KHR 8,000
KHR 2,002,000 – KHR 10,000,000KHR 12,000

II. INTERNATIONAL TRANSFERS

1. INTERNATIONAL SWIFT TRANSFER

Types of TransferAmount Remittance Fee Cable Fee
Inward Remittance (Overseas -> PPCBank)Any amount0.07% of the received amount (minimum: USD 10)
Outward Remittance (PPCBank -> Overseas)≤ USD 1,000USD 5USD 15
≤USD 10,000USD 10
> USD 10,0000.12% of sending amount

Fee exemption:

• Inward remittance fee (ITT) from JEONBUK BANK and KWANGJU BANK

• Inward remittance fee (ITT) for Non-Government Organization (NGO) and missionaries

Requirement: provide the license or certificate in order to clarify the NGO or missionary

2. WESTERN UNION 

Amount (USD)Fee (USD)
0.01 to 10015
101 to 20022
201 to 30029
301 – 40034
401 to 50041
501 to 62546
625 to 75047
751 to 1,00052
1,001 to 1,50066
1,501 to 1,75077
1,751 to 2,00090
2,001 to 2,500110
2,501 to 3,000130
3,001 to 3,500150
3,501 to 4,000170
4,001 to 4,500190
4,501 to 5,000210

Note*: one USD dollar additional required by some countries.

Special Rate 

VIETNAMPHILIPPINE
Amount (USD)Fee (USD)Amount (USD)Fee (USD)
0.01 to 30050.01 to 40010
301 to 5008401 to 50015
501 to 1,00010501 to 80020
1,001 to 2,00021801 to 1,00030
2,001 to 4,000261,001 to 2,00041
4,001 to 5,000312,001 to 5,00081
CHINA
Amount (USD)Fee (USD)
0,01 to 3,00012.80
3,001 to 5,00022

2. WESTERN UNION 

Amount (USD)Fee (USD)
0.01 to 10015
101 to 20022
201 to 30029
301 – 40034
401 to 50041
501 to 62546
625 to 75047
751 to 1,00052
1,001 to 1,50066
1,501 to 1,75077
1,751 to 2,00090
2,001 to 2,500110
2,501 to 3,000130
3,001 to 3,500150
3,501 to 4,000170
4,001 to 4,500190
4,501 to 5,000210

Note*: one USD dollar additional required by some countries.

Special Rate 

VIETNAMPHILIPPINE
Amount (USD)Fee (USD)Amount (USD)Fee (USD)
0.01 to 30050.01 to 40010
301 to 5008401 to 50015
501 to 1,00010501 to 80020
1,001 to 2,00021801 to 1,00030
2,001 to 4,000261,001 to 2,00041
4,001 to 5,000312,001 to 5,00081
CHINA
Amount (USD)Fee (USD)
0,01 to 3,00012.80
3,001 to 5,00022
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