ABA Bank remains Cambodia's largest bank in 2025

ABA Bank, the preferred bank for expats in Cambodia, has released its audited financial statements for 2025. The numbers are solid: total assets of $16.2 billion, up 17% compared to 2024. Client deposits reached nearly $13 billion, representing a 17% increase as well. The gross loan portfolio increased by 11% to reach $9.6 billion.

For expats living in Siem Reap, these results confirm that ABA is a reliable and well-managed bank. If you're already a customer, your deposits are secure. If you're still hesitant about opening an account, now is the perfect time to take action.

ABA Bank remains Cambodia's leading commercial bank in 2025, according to its audited financial statements. Here are the key figures:

• Total assets: $16.2 billion (+17% vs 2024).
• Client deposits: nearly $13 billion (+17%).
• Gross loan portfolio: $9.6 billion (+11%).
• Network: 104 branches and over 1,900 ATMs throughout the country.

The bank continues to invest in its physical and digital infrastructure. The ABA Mobile app remains the most convenient tool for everyday operations: transfers, payments, balance inquiries.

Compared to European banks, ABA offers several advantages for expats:

• Reduced fees: no monthly account maintenance fees, unlike many banks in France or Belgium.
• High-performance mobile app: instant transfers, bill payments, phone top-ups. As good as the best European apps.
• Dense branch network: 104 branches for a country of 16 million inhabitants—better than the European average.
• Interest rates on deposits: generally higher than in Europe (around 1-2% depending on account type).

On the other hand, the deposit guarantee ceiling is lower than in Europe ($50,000 in Cambodia versus €100,000 in France). For large deposits, it's better to diversify.

Verdict: Excellent choice for daily life and small to medium deposits. For larger amounts, supplement with an international bank.

If you're already an ABA customer: you don't need to do anything. Your deposits are secure. Continue using the ABA Mobile app for your everyday operations.

If you want to open an account:

1. Visit an ABA branch in Siem Reap (several branches in the city center).
2. Bring your valid passport and visa.
3. Fill out the account opening form (checking or savings account).
4. Deposit a minimum amount (usually $50 for a checking account).
5. Activate the ABA Mobile app and your debit card.

For everyday operations, use the mobile app. ABA ATMs are numerous and free for dollar withdrawals.

• Limited deposit guarantee. Cambodia's Deposit Guarantee Fund covers up to $50,000 per depositor per bank. If you have more, spread it across multiple banks.
• Fees for non-ABA ATM withdrawals. Withdrawals at other banks' ATMs may cost $1-2 per transaction. Use ABA ATMs.
• Double currency conversion. If you withdraw in riel with a foreign card, the exchange rate can be unfavorable. Prefer dollar withdrawals.
• Account closure. To close an account, you must visit a branch. Plan accordingly.

Who it's for: All expats in Siem Reap, whether long-term residents or in transit. ABA is the most convenient bank for daily life: withdrawals, payments, transfers. Its solid 2025 results strengthen confidence.

Who it's not for: People with large deposits (over $50,000) should diversify. Those who prefer a 100% online bank without physical branches can turn to neobanks like Wise or Revolut, but watch out for withdrawal fees in Cambodia.

In short, ABA remains the number one choice for expats in Cambodia. Its 2025 performance confirms it.