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Fixed Deposit

Save with confidence with a state-owned bank offering high, competitive interest rates. Let your savings generate an additional stream of income. Beyond saving, you are contributing alongside ARDB Bank to support Cambodian farmers and drive socio-economic development.

Term Monthly Interest Interest at Maturity
KHR USD KHR USD
1 Month N/A N/A 1.50% 1.50%
3 Month 1.5% 1.5% 1.75% 1.75%
6 Month 1.75% 1.75% 2.00% 2.00%
9 Month 2.00% 2.00% 3.00% 3.00%
12 Month 3.00% 3.00% 4.00% 4.00%
24 Month 3.50% 3.50% 4.00% 4.00%

Note: Interest rates are subject to change at any time according to the decision of the Asset and Liability Management Committee (ALCO).

  • Interest rates for opening an account via ARDB Mobile
Term Monthly Interest Interest at Maturity
KHR USD KHR USD
1 Month N/A N/A 1.50% 1.50%
3 Month 1.5% 1.5% 1.75% 1.75%
6 Month 1.75% 1.75% 2.00% 2.00%
9 Month 2.00% 2.00% 3.00% 3.00%
12 Month 3.00% 3.00% 4.00% 4.00%
24 Month 3.50% 3.50% 4.00% 4.00%
Note: Interest rates are subject to change at any time according to the decision of the Asset and Liability Management Committee (ALCO).
Special Offers
  • Check balance via ARDB Mobile app
  • Provided Fixed Deposit Certificate (can be used as loan collateral)
Eligibility
  • Legal entities or individuals aged 15 years or older
  • Must have an ARDB saving account
Currency KHR / USD
Term From 1 month to 24 months
How to open account
  • ARDB Head Office or branches
  • Open an account through a sales officer or mobile unit officer in the provinces
  • Via ARDB Mobile App
Minimum initial deposit
  • Monthly Interest Account: 100 USD or 400,000 KHR or more
  • Maturity Interest Account: 100 USD or 400,000 KHR or more
Interest Payment
  • Monthly Interest Account: Paid monthly
  • Maturity Interest Account: Paid at maturity
Withholding Tax on Interest
  • 6% for Resident Individual
  • 14% for Resident Legal Entity
Account Rollover Conditions at Maturity
  • Renew principal plus interest
  • Renew principal only
  • Automatic closure at maturity
Deposit
  • Made once upon account opening
  • If customers wish to deposit additional funds, they may open another new account
Withdrawal ARDB Head Office / Branches
Account Closure
  • ARDB Head Office / Branches
  • Early closure will be paid at the savings account interest rate

Required Documents For 

  • Individual
  • Legal Entity
Cambodian Foreigner
  • Valid Khmer Identity Card
  • Valid passport with at least 3 months validity
  • Family Book (Head of Household)
  • Identification letter with photograph issued by the local Commune/Sangkat authority, administrative police post, or relevant competent authorities
  • Family Book and Residence Book (in case family members must be attached/included), along with:
    • Civil servant identity card
    • Employment identity card
    • Driver’s license
    • NSSF (National Social Security Fund) membership card
    • Student or pupil ID card, etc.
  • A passport with a validity of at least 3 months and a valid entry-exit visa.
  • Attach documents confirming your stay in the Kingdom of Cambodia, such as:
    • A residency confirmation letter with a photo attached and stamped.
    • An employment confirmation letter from your current institution/employer with a photo attached and stamped.
    • An employment contract.
    • A business contract with a local partner located in Cambodia.
    • A valid foreign work permit.
    • A valid permanent residence card.
  • Attach documents confirming your stay in the Kingdom of Cambodia.
  • Identification document of the authorized person(s) of the account
  • Identification document of the Board of Directors
  • Legal letters, licenses, or permits from relevant ministries or institutions
  • Shareholders’ resolution or Board of Directors’ meeting resolution
  • Original Board of Directors’ resolution
  • Articles of Incorporation and Memorandum of Association of the institution
  • Royal Decree or Sub-Decree on the establishment and transformation of the institution
  • Royal Decree appointing the Board of Directors or Director
  • Business operating license issued by the National Bank of Cambodia
  • Completed Anti-Money Laundering and Counter-Financing of Terrorism (AML/CFT) questionnaire form
  • Actual authorization letter from competent authorities (if applicable)
  • Audited financial report
  • List of employees
  • Letter of Authorization / Power of Attorney
  • Patent card or Tax Registration Certificate
  • Company seal / stamp
  • Other documents (if necessary)