Savings Account

Savings is the start of financial stability. That's why here in SME Bank, we offer rewarding interest rates with our different deposits plans to give you the best when you start saving!

Type of Account

Interest Rate Per Year

KHR

USD

Saving Account

0.80%

0.80%

Escrow Account

0.00%

0.00%

Junior Savers Account

< 1 Year​ = 1.00%
> 1 Year​ = 2.50%

< 1 Year​ = 1.00%
> 1 Year​ = 2.50%

Retirement Account

< 1 Year​ = 1.00%
> 1 Year​ = 2.50%

< 1 Year​ = 1.00%
> 1 Year​ = 2.50%

Women Saving Account

0.9%

0.9%

Saving Account

Offer customer an easy way to withdraw or deposit money at any business hours and place without limit and return monthly interest.

Annual Interest Rate: 0.8% for KHR and USD

Saving Account
Escrow Account

Escrow Account

We offer escrow services to facilitate real estate investment such purposes as home or land purchase. According to your instructions and designated purpose for the account, we will provide safe and reliable fund escrow and transfer services.

Annual Interest Rate: 0.0% for KHR and USD

Junior Savers Account

As parents, we know it is never too early to start saving for your child’s future and teach them the basics of banking. Our Junior Savers Account gives children the opportunity to learn the benefits of saving and help them realise their dreams. In addition to earning interest, you will gain insurance protection for the future of your children. Meet your children’s growing needs with a Junior Savers Account.

Annual Interest Rate: < 1Year = 1.00%, > 1Year = 2.50%

Junior Savers Account
Retirement Account

Retirement Account

Retirement Account can arrange the deposited cash in order to cover personal or family expenses after his/her retirement.

Benefits:

  • Daily earn interest and monthly withdrawn.
  • Your money will be kept in a safe and secure place.
  • Open an account without service charge.

Annual Interest Rate: < 1Year = 1.00%, > 1Year = 2.50%

Woman Saving Account

Designed to empower women especially those in business, the Women’s Saving Account offers attractive benefits like cashback, lower loan processing fees and etc. that make it stands out from normal saving accounts. This account can be opened by a woman individually or as a primary holder in case of joint holding.

Annual Interest Rate: 0.9% for KHR and USD

Woman Saving Account

Current Account

Current account of SME Bank gives you an access to cheque book facility with USD and KHR currency, helping you to easily and safely manage your local payment.

Type of Account

Interest Rate Per Year

KHR

USD

CA-Non-Bearing

0.00%

0.00%

CA-Bearing

0.00%-0.50%

0.00%-0.50%

Current Account

Term Deposit Account

Offers customer an enhanced rate of return for committing to keep the savings deposit with SME Bank of Cambodia for a specific period of time and having an option to withdraw monthly interest or at maturity.

Term Deposit

Benefits:

  • Can open account with individual or non-individual.
  • Choose for specific term from option 1 month, 3 months, 6 months, 9 months, 12 months, 18
    months, and 24 months.
  • Offers a free term deposit certificate
  • Open an account without service charge
  • The longer you commit to investing, the higher interest rate you get

Term Deposit - For Individual

Tenure

Monthly Interest

Maturity Interest

KHR

USD

KHR

USD

1 Month

1.00%

0.30%

1.30%

0.80%

3 Months

2.00%

1.50%

2.30%

1.80%

6 Months

2.90%

2.50%

3.30%

2.80%

9 Months

3.40%

3.00%

3.70%

3.30%

12 Months

3.70%

3.50%

4.00%

3.70%

18 Months

4.00%

3.70%

4.40%

4.00%

24 Months

4.50%

4.00%

4.80%

4.30%

Term Deposit - For Non-Individual

Tenure

Monthly Interest

Maturity Interest

KHR

USD

KHR

USD

1 Month

0.50%

-

0.80%

-

3 Months

1.00%

0.60%

1.20%

0.80%

6 Months

2.00%

1.50%

2.20%

1.80%

9 Months

2.50%

2.00%

2.70%

2.20%

12 Months

2.70%

2.50%

3.00%

2.70%

18 Months

3.00%

2.70%

3.30%

3.00%

24 Months

3.50%

3.00%

3.80%

3.30%

Opening Account Documents

For individual:

Valid National ID Card / Valid Passport / Family Book with photo / Birth Certificate

For non-individual:

  • Certificate of Incorporation, Business License, Memorandum and Articles of Association, Board Resolution and Patent.
  • National ID Card or Passport of all authorized signatories, Directors, Shareholders.

Conditions:

Cambodian, Foreigner or Company that is legally register in Cambodia

Benefits:

  • Appropriate interest return
  • Cash with high security