The Daily Growth Savings Account is a savings account designed to provide customers with a highly liquid and steadily rewarding cash management solution. Customers can deposit funds at any time while earning interest calculated and credited to their account daily, allowing their savings to grow every day.

Key Features

• Daily interest credited directly to your account
• Flexible deposits with easy access to funds
• Earn interest every day
• Ideal for customers seeking liquidity with daily returns

Currency & Interest Rate

USD / KHR 0.006% per day

Interest Settlement

• Interest is calculated and credited daily.
• Interest starts accruing from T+1 (the day after the deposit is made).

Account Opening Channel

• Exclusively through the PWBank Mobile Banking App. Account opening at branches is not available.

Requirements

• Customers must have an active PWBank Mobile Banking account to open a Daily Growth Savings Account.

Minimum Deposit & Balance

• Initial deposit: USD 10 or KHR 40,000

Transaction Restrictions

The following transactions are not permitted directly from the Daily Growth Savings Account:

• KHQR payments
• Interbank fund transfers
• Transfers to other customers' PWBank accounts

For any outward payment or transfer, customers must first transfer funds to their own PWBank Saving Account or Current Account.

Fees & Charges

• Early Account Closure (within 6 months from the account opening date): USD 5
• Dormant Account Fee (no financial transaction for 12 consecutive months): USD 5
• Bank Confirmation Letter: USD 10
• Statement Reprint: Free of Charge
• Account Unfreeze: Free of Charge

The Peak Saving is a savings account designed to help customers grow their savings while maintaining flexibility. Customers can deposit funds at any time and enjoy up to three (3) free withdrawals per month, making it ideal for those seeking stable returns with infrequent withdrawal needs.

Key Features

• Deposit funds anytime
• Earn 3.50% annual interest
• Enjoy 3 free withdrawals per month
• Withdrawals exceeding the monthly free limit are subject to a USD 10 fee per transaction
• Ideal for long-term savings with low-frequency withdrawals

Currency and Rate

USD / KHR 3.50% p.a.

Account Eligibility

• Applicants must already hold a PWBank Savings Account or Current Account.
• Withdrawals from this account can only be transferred to the customer's own PWBank Savings Account or Current Account.

Minimum deposit & Balance

• Minimum balance: USD 100.00, KHR 400,000.00
• Minimum On-going Balance: USD 10 and KHR 40,000

Withdrawal Policy

• First 3 withdrawals each calendar month: Free of charge.
• From the 4th withdrawal onward: A fee of USD 10 (or equivalent in KHR) will be charged per transaction.

Transaction Restrictions

The following transactions are not permitted directly from the Peak Savings Account:

• KHQR payments
• Interbank fund transfers
• Transfers to other customers' PWBank accounts
  For any outward payment or transfer, customers must first transfer funds to their own PWBank Savings Account or Current Account.

Fees & Charges

• Early Account Closure (within 6 months from the account opening date): USD 5
• Dormant Account Fee (no financial transaction for 12 consecutive months): USD 5
• Passbook Replacement Fee: USD 2
• Bank Confirmation Letter: USD 10
• Statement Reprint: Free of Charge
• Account Unfreeze: Free of Charge

We offer a variety of fixed-term deposit products with flexible maturities, designed to support your liquidity management while maximizing interest earnings.

Requirements

1. Memorandum and Articles of Association.
2. Valid Business License.
3. Tax Registration Certificate.
4. Board Resolution for Account Opening.
5. Authorization Letter signed by the Authorized Representative.
6. Copies of ID/Passport of Board Members (with signatures)
7. Original ID/Passport of the Authorized Representative.

A non-interest-bearing current account with a payment password function ensures the safety and security of your account funds.

Requirements

1. Memorandum and Articles of Association.
2. Valid Business License.
3. Tax Registration Certificate.
4. Board of Directors’ Resolution for Account Opening.
5. Authorization Letter signed by the Authorized Person.
6. Copies of ID/Passport of Board Members (with signatures)
7. Original ID/Passport of the Authorized Person.

Fees & Charges

• Early account closure within 6 months: USD 5 fee
• Dormant accounts (no financial activity for 12 months): USD 5 fee
• In accordance with the National Bank of Cambodia (NBC) policy, a fee of USD 30 will be charged for each returned check. If a check is returned three times in total, the bank reserves the right to close the account.

Current account refers to an interest-free cheque account opened by individuals, enterprises, or government departments. The depositor can withdraw cash at any time or pay by cheque.

Requirements

1. Cambodian ID card or valid passport (passport valid for more than 6 months)
2. Entry visa valid for more than 3 months.
3. Work permit or proof of employment.
4. Proof of residential address

(e.g., house rental agreement or utility bill with address)

Minimum Deposit

• Minimum required balance: USD 100 or KHR 400,000.

Fees & Charges

• Early account closure within 6 months: USD 5 fee
• Dormant accounts (no financial activity for 12 months): USD 5 fee
• In accordance with the National Bank of Cambodia (NBC) policy, a fee of USD 50 will be charged for each returned check. If a check is returned three times in total, the bank reserves the right to close the account.

Personal Wealth Account – Smart Saving, VIP Privileges

Enjoy higher interest rates than regular savings and personalized VIP services, based on your daily average balance and one of our three exclusive VIP tiers.

Minimum deposit

• USD 50,000, 250 million Riel

Fees & Charges

• Early account closure within 6 months: USD 5 fee
• Dormant accounts (no financial activity for 12 months): USD 5 fee

Fixed deposit refers to a deposit of money that pays higher interest than a savings account but imposes conditions on the amount, frequency, and/or period of withdrawals.

Requirements

1. Cambodian ID or a valid passport (with at least 6 months' validity)

2. Valid entry visa (over 3 months)

3. Work permit or employment certificate.

4. Proof of residence

(e.g., rental contract with utility bill showing address, labor card, etc.)

Initial Deposit

• USD 1,000.00
• KHR 4,000,000.00

Fees & Charges

• Certificate replacement fee: USD 2.00
• Dormant accounts (no financial activity for 12 months): USD 5 fee

Multi-currency account with interest benefits and flexible access to your funds anytime.

Requirements

1. Memorandum and Articles of Association.
2. Valid Business License.
3. Tax Registration Certificate.
4. Board of Directors’ Resolution for Account Opening.
5. Authorization Letter signed by the Authorized Person.
6. Copies of ID/Passport of Board Members (with signatures)
7. Original ID/Passport of the Authorized Person.

Note

• Early account closure within 6 months: USD 5 fee
• Dormant accounts (no financial activity for 12 months): USD 5 fee

A savings account refers to an account opened by individuals, enterprises, or government departments. Its purpose is mainly to obtain interest income, when the deposit and withdrawals can be made at any time.

Currency

Multi-Currency Savings Account (USD / KHR)

Interest Rate

USD: 0.70% p.a.

KHR: 1.00% p.a.

Requirements

1. Cambodian ID card or valid passport (passport valid for more than 6 months)
2. Entry visa valid for more than 3 months
3. Work permit or proof of employment
4. Proof of residential address (e.g., rental agreement, utility bill with address, or labor card)

Minimum Deposit

• Minimum balance: USD 10 or KHR 40,000

Fees & Charges

• Early Account Closure (within 6 months from the account opening date): USD 5
• Dormant Account Fee (no financial transaction for 12 consecutive months): USD 5
• Passbook Replacement Fee: USD 2
• Bank Confirmation Letter: USD 10
• Statement Reprint: Free of Charge
• Account Unfreeze: Free of Charge