Cambodia, a country steeped in history and natural beauty, is renowned for its ancient temples, vibrant cities, and picturesque landscapes. From the awe-inspiring Angkor Wat to the bustling streets of Phnom Penh and the tranquil beaches of Sihanoukville, Cambodia offers a rich tapestry of experiences. Navigating the financial landscape is key to a seamless trip, so understanding the local currency and cash, cash and ATMs in Cambodia and the payment options is essential for exploring Cambodia with ease and confidence.
You may also enjoy reading Ultimate guide on how to travel on a budget in 2025.
Where can I find ATMs in Cambodia?
Cambodia’s 4,500+ ATMs, run by a variety of banks, are easy to find in urban areas and not too rare in smaller towns.
You can find ATMs at:
- major transport hubs, central markets, busy tourist streets, malls, and near banks.,
- Central Markets,
- Busy tourist streets,
- Malls,
- Near Banks.
It will be difficult to find ATMs in:
- Small airports on islands,
- Bus stops in the area,
- The villages’ interiors,
- Hidden away in small towns, away from the hustle and bustle of the main streets,
- Remote resorts and retreats.
Best ATMs to use in Cambodia for foreigners
The best ATMs for foreigners to use in Cambodia are those owned by popular banks such as:
Acleda,
Campu Bank,
Prince Bank,
Maybank,
Cathay United,
Canadia,
Vattanac, and
Sathapana.
There are other banks with ATMs that also accept international debit and credit cards, albeit with much higher fees.
Some international banks also have their ATMs in Cambodia, namely:
Maybank
ANZ
Don’t accept conversion at ATMs and withdraw only in local currency
In Cambodia, some ATMs may ask – Accept OR Decline Conversion (also known as With or Without Conversion, or Charge in USD).
- If you ‘Accept’ – ATM converts your money at ATM’s set exchange rate and you pay an extra % fee to the ATM for currency conversion also.
- If you ‘Decline’ – ATM will convert at exchange rate of the bank/card logo (Visa, Master, etc.).
So, to avoid extra fees while withdrawing cash in Cambodia, select ‘Decline/Without’ Conversion or ‘Charge in USD’.
If you’d like to understand more, read ATM fees abroad: Charges to use cards at foreign ATMs explained.
Can I use a foreign debit or credit card at an ATM in Cambodia?
Yes, many types of foreign cards are easily accepted at ATMs in Cambodia.
For a detailed guide, read Money and Currency in Cambodia.
What are the ATM opening hours?
The availability of ATMs is largely constant, functioning 24/7. Standalone ATMs provide access anytime, whereas bank-located ATMs might be limited to 9 am to 3 pm.
What do they call ATMs in Cambodia?
Word ATM is widely used. ATMs in Cambodia primarily accept 4-digit PINs. Some ATMs may accept longer PINs, but 4 digits are standard.
Types of cards accepted at ATMs in Cambodia?
If you want to withdraw cash in Cambodia, ATMs will usually accept Visa, Mastercard and UnionPay cards. Some will accept Cirrus, Plus and JCB cards. Don’t expect them to accept cards like Amex, Discover, Diners, Rupay cards.
PIN type
ATMs in Cambodia primarily accept 4-digit PINs. Some ATMs may accept longer PINs, but 4 digits are standard.
Languages at ATMs in Cambodia
Cambodian ATMs provide Khmer and English, and occasionally Chinese. If you’re unsure about the language, using Google Translate’s live camera translation can be a useful tool, but remember to be patient with the process.
If you’re not familiar with these languages, that’s totally fine. Try out Google Translate’s camera feature to instantly translate the text on your phone! Just a heads up – these translations might not always be 100% accurate, so it’s best to take your time and not rush through the transaction.”
Do ATMs in Cambodia work similarly as other countries?
Cambodia’s ATMs align with global standards, echoing the look and operation of those found in the US, UK, and other countries. Some ATMs might hold onto your card until the transaction concludes, so ensure to retrieve it.
Join the discussion, read and share cash related travel experiences on ATM Fee Saver’s Community Travel Forum at Money & Travel in South East Asia.
What currencies can I withdraw from ATMs in Cambodia?
ATMs in Cambodia dispense United States Dollar (USD) as well as Cambodian Riel (KHR).
ATM withdrawal limits in Cambodia?
ATMs in Cambodia have a maximum withdrawal limit per transaction of US$ 500 to US$ 2,000, with the most common being US$ 500. One bank ATM allows to withdraw up to US$ 4,000 in one transaction.
ATM Fees in Cambodia?
There are no fee-free ATMs in Cambodia. Bank ATMs in Cambodia charge between US$ 1.5 to US$ 5 as ATM Access Fees per transaction to foreign card holders, with the most common being US$ 4 or US$ 5. So, you can use the one with lower ATM fees.
Apart from ATM Access Fees, there can be other potential charges to withdraw cash in Cambodia – something every traveller handling cash in Cambodia should be aware of. These are:
- Currency Conversion Fees (Accept or Decline Conversion)
- Your Bank’s currency conversion fee – Some banks charge the card holder a fee to use the card abroad. Cross check with your bank on what the charges are.
How to avoid high fees when withdrawing cash in Cambodia?
- Use the fee-free or lower fee ATMs in the country.
- Use the ATM Fee Saver app to find fee-free or low-fee ATMs.
- Opt for “Decline Conversion” or “Without Conversion” during ATM transactions.
- Consider getting a fee-free travel card from your home country.
- Get one Visa and one Mastercard fee-free cards as some ATMs abroad accept only Visa and some only Mastercard.
- Avoid using ATMs at the airports, sometimes they have higher fees.
For a detailed guide, read Withdrawing cash abroad? 9 best ways to save foreign ATM fees.
Ways to find fee-free ATMs in Cambodia?
Find ATMs in Cambodia that offer fee-free withdrawals, along with currency exchange and money transfer services, through the ATM Fee Saver mobile and web application. It includes details on fees for foreign card users and withdrawal limits at these ATMs. The app’s calculator simplifies the process of determining the exact fees for withdrawals in Cambodia. Choose an ATM, and the app provides navigation to it, offering information for 50 countries, Cambodia among them.
Download now from the App Store or Play Store.
Download ATM Fee Saver now.
Is it safe to use Cambodia ATMs?
ATMs in Cambodia are commonly equipped with security cameras and guards. Nonetheless, vigilance against pickpocketing is advised. P
To be safe, use precautions such as:
- Use the ATMs located inside bank branches instead of standalone ones.
- Avoid using ATMs on empty streets or late at night.
- Keep your card visible at all times.
- Cover the PIN pad with the palm of your hand to avoid revealing your PIN to hidden cameras.
- If you find any suspicious devices attached around the keypad area of the ATM, do not use the ATM.
- Be aware of your surroundings, if you see suspicious people, move away.
- Keep two or more cards as backup.
- If also using your mobile phone for the transaction, avoid using public Wi-Fi. Use VPN for extra protection.
FAQs
What to do if an ATM takes your card?
If an ATM in Cambodia takes your card, contact the bank (if you used an ATM inside a bank branch), they may retreive your card if you have proof of identity. You can also contact the bank’s helpline but they usually retreive and resend new cards only for their own customers. If so, you’ll need to contact your own bank and ask them to deliver a new card at home or abroad.
Fee-free ATMs and possible to withdraw cash free of cost at ATMs here?
No, its not possible. There are no fee-free ATMs in Cambodia. Bank ATMs in Cambodia charge between US$ 1.5 to US$ 5 as ATM Access Fees per transaction to foreign card holders, with the most common being US$ 4 or US$ 5. So, you can use the one with lower ATM fees.
Foreign cards from US, UK, India, China, Europe, Australia accepted at ATMs in Cambodia?
Yes. You can usually use cards from the US, UK, Europe, Australia, and other countries at ATMs in Cambodia
Bitcoin ATMs?
No, there are no Bitcoin ATMs in Cambodia.
Foreign bank ATMs’ in Cambodia
Bank of America: None at all.
Citibank: None at all.
Barclays: Not present.
HSBC: None at all.
Standard Chartered: None at all.
