Broker Summary
What Wikilix has recorded about ACLEDA Bank: its history, the licences it holds, its trading conditions and its fees.
Introduction
The ACLEDA Bank is a bedrock of the financial system of Cambodia and is renowned worldwide as the biggest domestic commercial bank in Cambodia. It has played a crucial and significant part in the overall growth and development of the economy of Cambodia, starting right from the establishment of the institute. Although it is best known for banking, it operates in a related area of securities broking, with a subsidiary of the company dealing with it.
Historical Context
ACLEDA Bank Plc. has been rooted since 1993 in a form that began as an "Association of Cambodian Local Economic Development Agencies (ACLEDA)," which was originally created to offer micro-credits to victims of a war under a project that received funding from the United Nations. Over time, however, the institution evolved from a micro-financing institution to what is now Cambodia’s largest domestic commercial bank.
Headquartered in Phnom Penh, ACLEDA Bank has grown its presence remarkably with a current network of 261 offices across Cambodia, 42 offices in Laos, and 7 offices in Myanmar. As of December 31, 2017, its total assets, along with deposits and loans, surpassed $5.2 billion, $3.1 billion, and $3.1 billion, respectively, with over 1.7 million depositors. The outreach of ACLEDA Bank has been possible with a robust leadership team with President and Group Managing Director In Channy, a founding member since 1992, at its helm.
Key Features & Offerings
ACLEDA Bank provides a wide array of banking products to serve the requirements of all types of customers including individuals, businesses, as well as microfinance. Banking products offered by this financial institution include general products such as savings and deposit products, loans, as well as microfinance products.
Securities Brokerage
Although ACLEDA Bank does not offer trading brokerage services per se, its wholly-owned subsidiary is ACLEDA Securities Plc., a major market participant operating as a Securities Selling Agent on the Cambodia Securities Exchange (CSX), trading on behalf of various investors. ACLEDA Securities offers online trading accounts using the ACLEDA Mobile application, providing hassle-free investing access to capital markets in the country.
In addition, ACLEDA Securities provides resources for clients to invest in collective investment schemes. These include the Asia BAMC Equity Fund.
ACLEDA BANK operates within a legal framework set out under Cambodia’s Banking and Financial Institutions Law, regarded as the largest bank based on assets, as per the National Bank of Cambodia. As for ACLEDA Securities, it operates under a brokerage business licensed and controlled by the Securities and Exchange Commission of Cambodia, also licensed by the National Bank of Cambodia.
Apart from that, the company has been approved as a “Distributor Company” of funds under the Collective Investment Schemes (CIS) as of July 2024. This shows the growing importance of the company in the financial markets of Cambodia.
Entity Regulator
ACLEDA Bank Plc. National Bank of Cambodia operation licensed by Banking and Financial Institutions Law; largest bank by assets
ACLEDA Securities Plc. SEO of Cambodia (SECC) Licensed Securities Broker; Authorized by National Bank of Cambodia; CIS Distributor (July 2024)
Trading Conditions & Technology Platform
DTMTA provides
Trading Conditions
In
The specific terms of trading, including spreads, leverage, initial deposit, and commissions, are not publicly disclosed for ACLEDA Bank. But for ACLEDA Securities, clients can trade on the Cambodia Securities Exchange, with transactions in Khmer Riel, in US dollars, through a mechanism launched in January 2024.
Technology
Platform Technology
ACLEDA Bank employs cutting-edge fintech technologies to improve its customer experience. ACLEDA Mobile, which has more than 5 million downloads and an average rating of 4.4/5, enables its users to conduct banking and securities trading services. Effective as of May 2024, the application now has the CSX Mobile Trading service that enables its users to monitor and trade securities through their mobile phones.
Feature
Trading Instruments stocks on the Cambodia Securities Exchange (CSX)
Trading Currency Khmer Riel (Trading), USD (
Platform ACELCDA Mobile Application with integrated CSX Mobile Trading
Account Opening Online through the ACLEDA Mobile app (available since October 2024
Fee Structure
There is very limited publicly available information about the fee structure the ACLEDA Bank charges for its trading or banking activities. Information about such things as deposit fees, withdrawal fees, inactivity fees, or other commissions is unknown. Customers seeking such information can contact the ACLEDA Bank directly or seek information from the ACLEDA Securities regarding brokerage fees.
The End-User Experience and Market Reputation
ACLEDA Bank has an excellent reputation as the leading commercial bank in Cambodia; this is due to its vast branch network and service delivery. The mobile banking platform offered by ACLEDA Bank is quite popular among its customers; however, there have been reports of some flaws, including difficulties in transferring and problems in uploading receipts. The bank also offers a 24/7 call service center.
Within the field of securities brokerage, ACLEDA Securities has acquired recognition as a premier brokerage firm in Cambodia with the receipt of the Best Securities Broker Award for Q2-2024 from the Cambodia Securities Exchange.
Recent Developments
ACLEDA Bank Group and its security unit have achieved significant milestones in 2024 and 2025 in their efforts to improve their service delivery and technology. These milestones include:
• Integration of CSX Mobile Trading into the ACLEDA Mobile application (May 2024)
• Khmer Riel Trading with Settlement in US Dollars at CSX (January 2024)
• Approval of ACLEDA Securities as a Distributor Company of Collective Investment Schemes (July 2024)
• Online trading account openings via the ACLEDA Mobile app (October 2024)
• Best Securities Broker award by CSX for Q2 2024 (August 2024)
• Sustained improvements and fixes in the apps, further enhanced in May 2025
Abstract
ACLEDA Bank continues to be a major player in the financial sector in Cambodia, having a rich history as well as a progressive approach to banking and securities. Though the details on the direct trading brokerage of ACLEDA Bank are not available, its subsidiary, ACLEDA Securities, has a comprehensive platform for accessing the capital market in Cambodia.
Having a strong position within the market, as well as extensive branch coverage, and ongoing technology improvements, ACLEDA Bank remains poised to continue to meet the needs of its customers as well as investors.
Regulatory Licenses
We have not confirmed any regulation for ACLEDA Bank. Money deposited with an unregulated broker is protected only by the company itself.
Trading with an unregulated broker puts your deposit at risk.
No regulation
We have not confirmed any regulation for ACLEDA Bank. An unregulated broker is not supervised by a financial authority, and money you deposit is protected only by the company itself.
What this means for you
- No compensation scheme covers your funds.
- No regulator to escalate a complaint to.
- No audit of how client money is held.
Account Types
One account type on record.
| Account | Min Deposit | Max Leverage | Commission |
|---|---|---|---|
| Corporate | Not recorded | Not recorded | Not recorded |
Funding Methods
15 ways to fund an account. 5 with no deposit fee. 12 credit instantly.
| Method | Deposit fee | Withdrawal fee | Min deposit | Withdrawal min / max | Processing |
|---|---|---|---|---|---|
Cash Deposit via CRM/ATMOtherFree at own ATMs/CRMs; notes accepted vary by machine; primarily Cambodia; Laos ATM access noted. | Free | Not recorded | Not recorded | Not recordedNot recorded | Instant |
Account Deposits (Savings, Demand, Current, Term, Euro Flex, Securities, Monk/Pagoda Fund accounts)Bank TransferNo explicit deposit fees for KHR accounts; sufficient balance required for fees if any. | Free | Not recorded | Not recorded | Not recordedNot recorded | Instant |
| Mobile Wallet Top-Up via ATME-WalletFree for Gold/UPI cards; unlimited top-up not specified. | Free | Not recorded | Not recorded | Not recordedNot recorded | Instant |
Fund Transfers via ACLEDA Mobile (Wallet to Other Bank Accounts)Bank TransferWithdrawal fee USD 1.5 or KHR 6,000; unlimited transfers; processing time varies (not specified). | Not recorded | USD 1.5 | Not recorded | Not recordedNot recorded | Not recorded |
| Remittance Deposits via Partners (e.g., Remitly from US)Wire TransferExchange rates apply for non-account currency deposits. | Not recorded | Not recorded | Not recorded | Not recordedNot recorded | Not recorded |
ACLEDA Debit Card ATM Cash Withdrawal (ATM/Gold Cards Cambodia ATM)Debit Card0.05% fee applies on withdrawal amounts exceeding USD 10,000; notes dispensed in USD and KHR denominations. | Not recorded | Free | Not recorded | Not recordedUSD 10,000 | Instant |
ACLEDA Debit Card ATM Cash Withdrawal (Gold/UPI Cards Laos ATM)Debit CardAdditional USD 4 fee applies if withdrawal exceeds USD 6,000 (standard) or USD 10,000 (gold). | Not recorded | USD 2 | Not recorded | Not recordedNot recorded | Instant |
| ACLEDA Debit Card ATM Cash Withdrawal (Other Cambodia ATMs)Debit Card | Not recorded | USD 4 | Not recorded | Not recordedNot recorded | Instant |
| ACLEDA Debit Card ATM Cash Withdrawal (Overseas ATMs)Debit CardAdditional 1% fee applies on withdrawal amount. | Not recorded | USD 4 | Not recorded | Not recordedNot recorded | Instant |
| Cardless ATM Withdrawal (from Wallet/Bank Account)E-WalletUnlimited withdrawals; free of charge. | Not recorded | Free | Not recorded | Not recordedNot recorded | Instant |
Bank Draft WithdrawalsBank TransferIssuing and cancellation fees vary by currency and amount; courier fee USD 5 outside Phnom Penh. | Not recorded | Not recorded | Not recorded | Not recordedNot recorded | Up to 180 days |
| POS/E-Commerce Payments via ACLEDA POSDebit Card | Free | Free | Not recorded | Not recordedNot recorded | Instant |
| Fund Transfers within ACLEDA via ATMBank Transfer | Free | Free | Not recorded | Not recordedNot recorded | Instant |
VISA Direct/Mastercard MoneySend TransfersCredit CardTransfers limited to USD 2,500 max; complies with VISA/MC rules. | Not recorded | Not recorded | Not recorded | Not recordedUSD 2,500 | Instant |
| Counter Withdrawal via POS at BranchesOther | Not recorded | Not recorded | Not recorded | Not recordedNot recorded | Instant |
Corporate Network
One legal entity behind the ACLEDA Bank brand.
- ACLEDA BANK PLC.ActiveCambodia
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Frequently Asked Questions
Common questions about ACLEDA Bank
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