PPCBank review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
PPCBank suits expats and small businesses in Cambodia who want easy access to a dollar savings account without a monthly charge. The saving account carries a $0 monthly fee, a $0 minimum deposit and transfer reach across 12 currencies.
Key facts
- Best for
- A fee-free Cambodian easy-access savings account for expats and businesses.
- Monthly fee
- $0↗
- Currencies
- 12↗
- Free ATM withdrawals
- $0↗
- Transfer fee
- Free within PPCBank; interbank min USD 2 or 0.10%; SWIFT USD 10 fee + USD 15 cable (0.12-0.15% above 10,000); Global Easy Transfer USD 3.80-9.00↗
- Legal entity
- Phnom Penh Commercial Bank Plc↗
- Headquarters
- Cambodia↗
- Founded
- 2008↗
- Support channels
- Phone, Chat, Help-centre↗
- Audience
- Expats, Business
- Pricing model
- No monthly fee
- Features
- Free ATM withdrawals
- Official website
- ppcbank.com.kh
Savings
- Headline rate
- 0.5% to 1.5%↗
- Rate type
- Variable↗
- Minimum deposit
- $0↗
- Access terms
- Interest credited quarterly; free transfers within PPCBank accounts and free passbook↗
- Account kind
- Easy access↗
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- Transfers between PPCBank accounts are free, and the passbook comes free with the account.
- Free ATM withdrawals, listed under free atm.
- Easy-access account, listed as easy access, so savings stay reachable.
- Support on phone, chat and help centre, which covers the help centre, chat and phone.
Cons
- With 12 currencies in reach, sending money abroad is the pricey part: SWIFT adds a fee and a cable charge on top of interbank minimums.
- Interest is credited quarterly on a variable rate, so savings income arrives in instalments rather than monthly.
- Interest of 0.5% to 1.5% is easy-access money, well under the everyday account upper tier of 4.44%.
Who it suits
- Expats in Cambodia who want a dollar account and quick access to their money.
- Businesses parking operating cash in an easy-access account with no monthly charge.
- Readers weighing euro rivals, since the $0 monthly fee matches €0 at Plazo ES and €0 at Skrill.
Who should look elsewhere
- PayPal Colombia, if you need currency reach far beyond the 12 currencies PPCBank covers.
- Plazo ES, if a euro account suits you better: its monthly fee is €0.
- Skrill, for people whose priority is sending money rather than accruing savings interest, with a €0 monthly fee.
Fees and FX
The monthly fee is $0. Transfers between your own PPCBank accounts are free, and so is the passbook. Money leaving the bank costs more: interbank transfers take a minimum charge plus a share of the amount sent, SWIFT transfers add a fee and a cable charge, and Global Easy Transfer carries its own charge that rises on larger sums.
The company behind it
Phnom Penh Commercial Bank Plc sits behind PPCBank, headquartered in Cambodia and founded in 2008. Its licence names the National Bank of Cambodia as regulator. Card and account questions are handled on phone, chat and help centre, so help is reachable by phone, by chat and through the help centre.
How PPCBank compares
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9.0 vs 9.0Its €0 monthly fee matches PPCBank, so the pick comes down to what the account is used for.
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Where PPCBank is available
- Available
- Cambodia
- Licence in Cambodia
- National Bank of Cambodia, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to keep a PPCBank account?+
The monthly fee is $0, and the minimum deposit is $0, so holding the account costs nothing. Transfers between your own PPCBank accounts are free, as is the passbook. Charges appear once money moves to another bank.
What interest does the savings account pay?+
The easy-access saving account pays 0.5% to 1.5%, and the rate type is variable, so the return can move with the bank. Interest is credited quarterly, not monthly. There is no fixed term to lock away, which suits money you may want to reach quickly.
Who regulates PPCBank?+
The bank is run by Phnom Penh Commercial Bank Plc, headquartered in Cambodia and founded in 2008. Its licence names the National Bank of Cambodia as regulator, so the account and its deposits sit with an institution supervised in Cambodia.
How do I get money out and what does it cost?+
ATM withdrawals are free, listed under free atm, and the free allowance is $0. Transfers inside PPCBank cost nothing. Interbank transfers take a minimum charge plus a share of the amount, SWIFT adds a fee and a cable charge, and Global Easy Transfer has its own charge.
What account type is this and how many currencies can I hold?+
The product is an easy-access account, listed as easy access, so funds stay reachable without a notice period. Global Easy Transfer covers 12 currencies, enough for a Cambodian dollar account with some international reach.
Who is PPCBank aimed at?+
The audience is listed as expats and business, so the account targets expats and businesses. With a $0 monthly fee and $0 minimum deposit, it suits people holding funds in Cambodia who want access rather than a term.
How do I get help with a card or a transfer?+
Support runs on phone, chat and help centre: phone, chat and a help centre, all provided by Phnom Penh Commercial Bank Plc from its base in Cambodia. Card issues, transfer charges and savings rate questions all go to the same team.
Sources
- ppcbank.com.kh/atm-fee checked September 26, 2026
Backs: Features
“Cash withdrawals are now free of charge until further notice”
- ppcbank.com.kh/corporate-information checked September 26, 2026
Backs: Founded, Headquarters, Legal entity, Licences
“Bank Date of Establishment: September 01, 2008”
- ppcbank.com.kh/global-easy-transfers checked September 26, 2026
Backs: Currencies
“Send money from Cambodia to a network covering 53 countries, with transfers supported in 12 major currencies, including USD, CAD, EUR, AUD, GBP, THB, VND, MYR, IDR, SGD, KRW, and CNY”
- ppcbank.com.kh/help-support checked September 26, 2026
Backs: Transfer fee
“When you make transfer within PPCBank, there will be no fee charge. If you transfer to other domestic bank, there will be a minimum fee of $2 or 0.10%, whichever is higher.”
- ppcbank.com.kh/personal-banking/card/visa-debit-card checked September 26, 2026
Backs: Free ATM withdrawals, Support channels
“Visa Debit Card Standard Fees & Charges: Cash withdrawal at PPCBank ATMs - Free”
- ppcbank.com.kh/personal-banking/deposit/saving-account checked September 26, 2026
Backs: Access terms, Account kind, Audience, Headline rate, Minimum deposit, Pricing model, Monthly fee, Rate type
“Interests will be credited to the account on a quarterly basis ... You'll also receive a free passbook and will be able to make free transfers within PPCBank accounts.”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection, Currency conversion fee.
Related by the facts
Guides
PPCBank
A fee-free Cambodian easy-access savings account for expats and businesses.