The economy in Cambodia is very much cash driven. More and more (international) banks are popping up in the capital and there is a choice of banks in larger cities like Siem Reap, Kampot, Sihanoukville and Battambang. Cambodia’s own Acleda Bank is widespread throughout the country, but the services they offer are limited. Canadia Bank (Cambodian) is dotted around the country and ANZ Royal (Australia/New Zealand) is well represented in Phnom Penh.
There are no banks at the border towns, so make sure you bring along some US dollars.
Faded notes or notes with even a small tear are unlikely to be accepted, so check the change you are given carefully. Criticism increases with the value of the note. For more info, read our page on Damaged US dollar notes.
US$100 notes printed in 2009 are not accepted by Cambodian banks and business owners.
Most banks are open Monday to Friday from 8:00am until 15:00 or 16:00pm. Some banks are closed for lunch time, some are open on Saturday mornings. Banks are closed during important festivals and holidays.
All banks offer money changing services, but you will get better rates at the money changers in or around markets. These are usually grouped near the gold sellers, and are easily spotted: look for the small glass cabinets with stacks of money in it. Main currencies (US dollar, Euro, British pound, Thai baht) should not pose a problem anywhere.
Banks provide the same services.
There are now ATMs with international access in Phnom Penh, Siem Reap, Sihanoukville, Kampot and Battambang. ANZ Royal Bank and Canadia Bank ATMs both accept Cirrus, Plus, Maestro, Visa and MasterCard systems. SBC Bank ATMs accept Visa and MasterCard. All ATMs dispenses US dollars, sometimes you have the option of withdrawal in Cambodian riel.
Acleda bank have ATMs spread throughout the country, but they only rarely work with international cards.
Credit cards are not widely accepted in Cambodia. Upscale hotels, restaurants and shops in major tourist towns (Siem Reap, Phnom Penh and Sihanoukville) and casinos will accept credit cards. Expect to pay around 4% fee when paying by credit card. Visa and MasterCard are the most widely accepted cards, and some places will accept American Express and Diners Club.
Most banks offer cash advances on credit cards.
Traveler’s Cheques are accepted in Cambodia and can be cashed at some money changers and most larger banks. Shop around for the best conditions and insist that you get small to medium denominations. AMEX in US dollars are the most widely accepted travelers checks.
In Kampot, Acleda Bank can help you cash traveler’s cheques.
Acleda Bank offers Western Union services and Canadia Bank offers MoneyGram services. These services are certainly not cheap, but it is the fastest way to get cash in hand at short notice.
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