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Rates & Fees Charges
Cash Withdrawal  Visa Debit Card Visa Credit Classic   Visa Credit Gold 
PPCBank’s ATMs Free  2% of withdrawal amount (minimum of $5)
Domestic ATMs USD 4 per transaction
Overseas ATMs 2% of withdrawal amount (minimum of $5)
1. ​SAVING​ ACCOUNT (MINIMUM OPENING BALANCE=USD 5.00)
INTEREST RATE
USD KHR
0.80% p.a 1.25% p.a
2. FIXED DEPOSIT WITH INTEREST PAYMENT AT MATURITY RATE
TERM

INTEREST RATE
USD KHR
3 months 2.50% p.a 3.25% p.a
6 months 3.50% p.a 4.25% p.a
12 months 5.00% p.a 5.50% p.a
18 months 5.10% p.a 5.75% p.a
24 months 5.25% p.a 6.00% p.a
36 months 5.75% p.a
48 months 6.00% p.a
60 months 6.20% p.a
3. FIXED DEPOSIT WITH MONTHLY INTEREST PAYMENT
TERM
INTEREST RATE
USD KHR
3 months 2.20% p.a 3.00% p.a
6 months 3.30% p.a 4.00% p.a
12 months 4.75% p.a 5.00% p.a
18 months 4.85% p.a 5.30% p.a
24 months 5.00% p.a 5.60% p.a
36 months 5.25% p.a
48 months 5.50% p.a
60 months 5.70% p.a
4. INSTALLMENT DEPOSIT ACCOUNT

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

TERM INTEREST RATE (USD)
6 months 3.00% p.a
12 months 4.50% p.a
24 months 5.00% p.a
36 months 5.50% p.a
b. PREMIER INSTALLMENT DEPOSIT ACCOUNT (MINIMUM OPENING BALANCE USD 500)
TERM INTEREST RATE (USD)
6 months 3.50% p.a
12 months 5.00% p.a
24 months 5.25% p.a
36 months 5.75% p.a
1. SME SOBEN LOAN
LOAN AMOUNT USD 500,000 – USD 1,000,000
INTEREST RATE Very competitive interest rate
LOAN RATIO Up to 90% of collaterals (negotiable)
PROCESSING FEE 1.5% of loan amount
LOAN PERIOD Up to 8 years ( 96 months)
LOAN REPAYMENT Bullet / negotiable principal / Installment / amortization / installment
COLLATERAL Land and building
2. LARGE LOAN
LOAN AMOUNT From USD 500,000 – up
INTEREST RATE from 0.62% per month
PROCESSING FEE 1% of loan amount
LOAN PERIOD Up to 72 Months
LOAN REPAYMENT Bullet / negotiable principal / Installment / amortization / installment
COLLATERAL Land and building
3. MEDIUM LOAN
LOAN AMOUNT More than USD 50,000 to Under USD 500,000
INTEREST RATE From 0.66% per month
PROCESSING FEE 1% of loan amount
LOAN PERIOD Up to 72 Months
LOAN REPAYMENT bullet / negotiation principal / amortization / installment
COLLATERAL Land and building
4. SMALL LOAN
LOAN AMOUNT From USD 10,000 to USD 50,000
INTEREST RATE From 0.91% per month
PROCESSING FEE 1% of loan amount
LOAN PERIOD Up to 72 Months
LOAN REPAYMENT 3 repayment
COLLATERAL Land and building
5. HOUSING LOAN
LOAN AMOUNT From USD2,000 – up
LOAN APPROVED Up to 80% of house value
DEPOSIT To be 20% of house value
INTEREST RATE From 7.90% per annum
PROCESSING FEE 1% of loan amount
LOAN PERIOD UP to 20 years
LOAN REPAYMENT Amortization/Installment
COLLATERAL Land and building
6. CAR LOAN
LOAN AMOUNT Up to USD 300,000
LOAN APPROVED Up to 70% of house value
DEPOSIT To be 30% of house value
INTEREST RATE From 8.50% per annum
PROCESSING FEE 1% of loan amount
LOAN PERIOD UP to 6 years
LOAN REPAYMENT Amortization/Installment
COLLATERAL Car ID/property (land building)

1. smartBiz

Firs year Free
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 charging The 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 limit USD 50,000 USD 10,000 Free
Interbank Based on user transfer limit Based on user transfer limit $2 or .10% of total amount
Overseas Based on user transfer limit Based on user transfer limit Follow operational OTT oversea charge
FAST transfer KHR 200,000,000 KHR 40,000,000 Follow operational FAST payment service

2. VIRTUAL ACCOUNT SERVICE

Fee charge  Remarks 
Issuance fee 0.05c per account Free for first Issuance
Transfer in & Deposit 0.01c 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 type 0.05c / notification
2nd type USD 1/ unlimited notifications

 

I. LOCAL FUND TRANSFER

1. INTER-BANK TRANSFER

Type of Transfer Amount (USD) Fee (USD)
Inward Any amount Free
Outward  2,000 USD 2
> 2,000 0.1% of transferred amount

2. INTRA-BANK TRANSFER

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

Type of Transfer Amount (USD) Fee (USD)
Surround Phnom Penh Any amount  Free (Included: Kandal Branch)
Phnom Penh/Province to Province 30,000 Free
> 30,000 0.1% of transferred amount

3. REAL-TIME FUND TRANSFER

Transfers in USD
Amount (USD) Fee (USD)
0 – 1,000 0.76
< 1,000 – 5,000 1.51
< 5,000 – 10,000 2.31
< 10,000 – 25,000 3.06
< 25,000 – 50,000 3.81
Transfers in KHR
Amount (KHR) Fee (KHR)
0 – 4,000,000 3,000
< 4,000,000 – 20,000,000 6,000
< 20,000,000 – 40,000,000 9,000
< 40,000,000 – 100,000,000 12,000
< 100,000,000 – 200,000,000 15,000

4. FAST TRANSFER

Transfer Type Amount (KHR) Fee (KHR)
Inward Max 40 million FREE
Outward 0 – 4 million 4,000
4,000,001 – 20, million 8,000
20,000,001 – 40 million 12,000

5. WING TRANSFER 

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

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

b. Transfer to Wing made at PPCBank branches

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

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

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

II. INTERNATIONAL TRANSFERS

1. INTERNATIONAL SWIFT TRANSFER

Types of Transfer Amount  Remittance Fee  Cable Fee
Inward Remittance (Overseas -> PPCBank) Any amount 0.07% of the received amount (minimum: USD 10)
Outward Remittance (PPCBank -> Overseas) ≤ USD 1,000 USD 5 USD 15
≤USD 10,000 USD 10
> USD 10,000 0.12% 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 100 15
101 to 200 22
201 to 300 29
301 – 400 34
401 to 500 41
501 to 625 46
625 to 750 47
751 to 1,000 52
1,001 to 1,500 66
1,501 to 1,750 77
1,751 to 2,000 90
2,001 to 2,500 110
2,501 to 3,000 130
3,001 to 3,500 150
3,501 to 4,000 170
4,001 to 4,500 190
4,501 to 5,000 210

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

Special Rate 

VIETNAM PHILIPPINE
Amount (USD) Fee (USD) Amount (USD) Fee (USD)
0.01 to 300 5 0.01 to 400 10
301 to 500 8 401 to 500 15
501 to 1,000 10 501 to 800 20
1,001 to 2,000 21 801 to 1,000 30
2,001 to 4,000 26 1,001 to 2,000 41
4,001 to 5,000 31 2,001 to 5,000 81
CHINA  
Amount (USD) Fee (USD)
0,01 to 3,000 12.80
3,001 to 5,000 22

2. WESTERN UNION 

Amount (USD) Fee (USD)
0.01 to 100 15
101 to 200 22
201 to 300 29
301 – 400 34
401 to 500 41
501 to 625 46
625 to 750 47
751 to 1,000 52
1,001 to 1,500 66
1,501 to 1,750 77
1,751 to 2,000 90
2,001 to 2,500 110
2,501 to 3,000 130
3,001 to 3,500 150
3,501 to 4,000 170
4,001 to 4,500 190
4,501 to 5,000 210

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

Special Rate 

VIETNAM PHILIPPINE
Amount (USD) Fee (USD) Amount (USD) Fee (USD)
0.01 to 300 5 0.01 to 400 10
301 to 500 8 401 to 500 15
501 to 1,000 10 501 to 800 20
1,001 to 2,000 21 801 to 1,000 30
2,001 to 4,000 26 1,001 to 2,000 41
4,001 to 5,000 31 2,001 to 5,000 81
CHINA  
Amount (USD) Fee (USD)
0,01 to 3,000 12.80
3,001 to 5,000 22

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