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 = 1.00% |
Retirement Account | < 1 Year = 1.00% | < 1 Year = 1.00% |
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
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%
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- Daily earn interest and monthly withdrawn.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
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% |
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.
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
