Phnom Penh, Cambodia: In celebration of its 35th Anniversary of Trust, Amret is launching a special anniversary campaign to give customers the opportunity to participate and win a total of 140 exciting prizes.

The campaign runs from 20 August 2026 to 31 August 2027, with digital prize draws held once every three months, for a total of four draws. Each draw will feature 35 prizes.

A Total of 140 Prizes to Be Awarded

Under this special anniversary campaign, eligible customers will have the opportunity to win a range of exciting prizes, including:

• 2 Ford Territory
• 2 Scoopy
• 12 iPhone 18 Pro Max
• 124 cash prizes of KHR 1,000,000 each

In total, 140 prizes will be awarded to customers who meet the campaign's eligibility requirements.

• Four Digital Prize Draws

  The prize draws will be conducted four times throughout the campaign period, as follows:

Draw 1: December 2026

• 3 iPhone 18 Pro Max
• 32 cash prizes of KHR 1,000,000 each

Draw 2: March 2027

• 1 Ford Territory
• 1 Scoopy
• 3 iPhone 18 Pro Max
• 30 cash prizes of KHR 1,000,000 each

Draw 3: June 2027

• 3 iPhone 18 Pro Max
• 32 cash prizes of KHR 1,000,000 each

Draw 4: September 2027

• 1 Ford Territory
• 1 Scoopy
• 3 iPhone 18 Pro Max
• 30 cash prizes of KHR 1,000,000 each 

Who are eligible for This Special Anniversary Campaign?

All customers can earn opportunities to win by using required Amret products and services during the campaign period, subject to the applicable terms and conditions.

 

1. Existing Loan Customers: 2 Opportunities

Existing loan customers can receive 2 opportunities by creating a new loan account during the campaign period. The new loan account must remain active until the prize draw date.

Additional conditions include:

• If a single loan account receives multiple disbursements, it will only be counted once, based on the date of the first disbursement.
• Non-Collateral Loans and all types of restructured loans are excluded from the campaign.
• Customers with a repayment history of more than 5 days overdue during the campaign period will not be eligible.

Existing Customer: Refers to a customer who has had an active loan account within the preceding 12 months, calculated as of the date the new loan account is created.

Note: Opportunities are multiplied according to the number of eligible new loan accounts.

 

2. New Loan Customers: 1 Opportunity

New loan customers can receive 1 opportunity by creating a new loan account during the campaign period. The new loan account must remain active until the prize draw date.

Additional conditions include:

• If a single loan account receives multiple disbursements, it will only be counted once, based on the date of the first disbursement.
• Non-Collateral Loans and all types of restructured loans are excluded from the campaign.
• Customers with a repayment history of more than 5 days overdue during the campaign period will not be eligible.

New Customer: Refers to a customer who has not had an active loan account within the preceding 12 months, calculated as of the date the new loan account is created.

 

3. Amret Merchants: 1 Opportunity

Amret Merchants can receive 1 opportunity by receiving payments from at least 5 different customers, with each payment transaction valued at USD 0.50 or KHR 2,000 or more during the campaign period.

Payment transactions received from Amret and other banks are eligible. However, transactions made from the merchant's own account will not be counted.

 

4. Phone Top Up: 1 Opportunity

Customers can receive 1 opportunity by completing at least 5 mobile phone top-up transactions during the campaign period.

The Amret Mobile account must remain active until the prize draw date.

 

5. Bill Payment: 1 Opportunity

Customers can receive 1 opportunity by completing at least 3 bill payment transactions during the campaign period.

Mobile phone top-up transactions are not included under this condition. The Amret Mobile account must remain active until the prize draw date.

*Opportunities for Savings Account Customers

Customers with eligible savings products can also earn opportunities through the following activities:

 

6. Current Account (CoA): 1 Opportunity

Customers can receive 1 opportunity by maintaining an Average Daily Balance (ADB) of at least USD 100 and less than USD 500 in any eligible Current Account during the campaign period.

The CoA must remain active until the prize draw date.

 

7. Kmeng Chhlat Account

Customers can earn opportunities through their Kmeng Chhlat Account as follows:

• Open a new Kmeng Chhlat Account during the campaign period, regardless of the amount deposited: 1 opportunity.
• Make an additional deposit of USD 50 or more but less than USD 100 during the campaign period: 1 opportunity.
• Make an additional deposit of USD 100 or more during the campaign period: 2 opportunities.

The additional-deposit conditions apply to both existing and newly opened Kmeng Chhlat Accounts.

For all Kmeng Chhlat Account opportunities, the account must remain active until the prize draw date.

 

8. Fixed Deposit Account: 1 Opportunity

Customers can receive 1 opportunity by opening a new Fixed Deposit Account during the campaign period, subject to the following conditions:

• Minimum balance of USD 5,000 or its equivalent in KHR
• Savings term of 3 to 6 months
• The account must remain active until the prize draw date

Important Participation Notes

• Opportunities that have already been included in a prize draw cannot be carried forward to subsequent draws.
• Each customer may have the opportunity to win a Car (Ford Territory) prize only once during the campaign.

Join Amret in celebrating its 35 years of trust and grab your opportunity to become one of the winners in this special anniversary campaign.

*Please refer to the official announcement for full details of the program.

 

About AMRET

In 2026, AMRET celebrates its 35th anniversary and remains one of Cambodia’s leading microfinance institutions and among the country’s top financial institutions creating positive social impact. In terms of total assets, AMRET ranks among the top ten banks and financial institutions in Cambodia.

AMRET currently serves nearly 900,000 customers through a network of 150 branches across all 24 provinces and the capital city, supported by more than 4,700 employees nationwide. As of April 2026, AMRET’s total assets stood at nearly USD 2 billion, with customer deposits exceeding USD 1.5 billion and a gross loan portfolio of more than USD 1.6 billion.