APD Bank: Withdrawals up to $20,000 by Appointment, Bakong Limited to $500

• Max withdrawal of $20,000. Each primary customer can withdraw up to $20,000 (or equivalent) based on the consolidated balance of all their accounts as of July 29, 2026 at 11:59 PM.
• Withdrawals by appointment. Withdrawals begin on July 31, 2026 at 8:00 AM at the headquarters. Customers are contacted individually for their slot, assigned alphabetically.
• Bakong limit maintained at $500. The daily outgoing transfer limit via Bakong KHQR remains at $500, but the $10,000 cap for term deposits is removed.
• Own Account Fund Transfer service suspended. This service is temporarily unavailable until further notice.
• Bank contact. For assistance: (+855) 23 933 999 or 1800 211 888 (toll-free).

Here are the key steps of this announcement and its implementation.

1. July 29, 2026: APD Bank publishes an official announcement detailing the new withdrawal and transfer rules.
2. July 29, 2026 at 11:59 PM: End of validity of the old $10,000 withdrawal cap for term deposits and the Bakong KHQR limit (which remains at $500).
3. July 30, 2026: The information is picked up by Cambodia Investment Review and other media.
4. July 31, 2026 at 8:00 AM: Start of withdrawals by appointment at APD Bank headquarters. Customers are contacted alphabetically.
5. Upcoming: The bank indicates that further adjustments may be communicated via its official channels.

The new rules apply to all APD Bank customers, but some segments are more affected.

• Expats with an APD Bank account must make an appointment for any withdrawal over $20,000 (or equivalent). For smaller amounts, is withdrawal still possible without an appointment? The announcement does not specify a minimum threshold, but $20,000 is the maximum allowed.
• Daily transfers via Bakong are limited to $500, which can complicate rent or large service payments. You'll need to plan over several days or use other methods.
• Since the Own Account Fund Transfer service is suspended, transfers between APD accounts are no longer possible for now. Expats should check their balances and organize their finances accordingly.
• Appointments are assigned alphabetically: customers whose names start with A will be contacted first. It is advisable to monitor communications (calls, emails) to not miss your slot.
• In case of urgent need, contact the bank at (+855) 23 933 999 or 1800 211 888 (toll-free).

1. Check your consolidated balance. Calculate the total of all your APD Bank accounts as of July 29, 2026 at 11:59 PM. This is the basis for the $20,000 withdrawal cap.
2. Wait for the bank to contact you. APD Bank will call or message you to assign a withdrawal slot. Do not show up without an appointment.
3. Plan your Bakong transfers. With a $500 daily limit, anticipate large payments (rent, bills) by spreading them over several days.
4. Use alternatives. For larger amounts, consider international wire transfers, checks, or cash withdrawals from other banks if you have multiple accounts.
5. Keep a record of your communications. Note the date and time of your appointment, as well as the contact person's name. In case of issues, you'll have proof.
6. Contact the bank if in doubt. Use the provided numbers: (+855) 23 933 999 or 1800 211 888 (toll-free).
7. Follow official channels. Stay updated via APD Bank's website or social media.