Frequently Asked Questions

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Asked Questions

Having any doubts or queries about our products or services, read the frequently asked questions to learn more.

What are the required documents to apply for a loan?

1. Official Identity Document: National ID Card, Passport, Driver's License, Civil Servant ID Card, Family Book (with photo) or Certified Letter issued by the local authority (commune/sangkat level)
2. Business Related Document (if available) ​​​​​​​
​​​​​​​ ​​​​​3. Collateral (hard or soft title)

How do I apply for a loan?

1. Contact your nearest Amret's branch
2. Contact us via 093 999 111 / 023 999 033
3. You can also contact us through:
   - Website: https://amret.com.kh/
   - Facebook: https://web.facebook.com/amret.com.kh/
​​​​​​​   - 
Amret Mobile App

Can I apply for an additional loan?

Yes, you can! We will assess your application to determine whether you are qualified for an additional loan. Our customer relations officer will contact you about the status.

How can I make a loan repayment to Amret?

1. At any Amret's branch, Monday to Friday (except for public holidays), 7:00 AM to 3:30 PM.
2. Amret Mobile App
3. Amret's partners:
    - Wing Agents/Wing Money App,
    - TrueMoney Agents/TrueMoney App,
    - Or Pi Pay App
4. Doorstep service: our field officer will collect the payment at your doorstep.

What are the required documents to open a Savings Account?

To open a savings account, you need either one of the following documents:
1. National ID card
2. Passport
3. Driver's license
4. Civil servant ID card
5. Family book (with photo)
6. Certified letter issued by local authority
​​​​​​​7. or Monk Identification Card"

Is interest from savings account subject to tax?

Interest from a savings account is taxed at the following rates:
- 6% for Cambodian Resident​
- 14% for Non-Resident
​​​​​​​ 

Can I close my savings account before the maturity date?

Yes! You can close your savings account before the maturity date.

Can I close my savings account at a non-home branch?

Yes, you can! Account closure at a non-home branch is subject to a $3 service charge. However, if your home branch is in Phnom Penh, you can close your account at any branch in Phnom Penh free of charge.

Can a foreigner open a savings account? What are the required documents?

A foreigner can open a savings account. The required documents include a passport and the certificate of residence/workplace.

Can a joint account be withdrawn by one person?

The option to withdraw money by one person is available only for customers who enabled this criterion during the account opening.

You can deposit monthly via Amret Mobile App, Any Amret Branches nationwide, Amret ATM, Wing App/Agent, TrueMoney App/Agent, and PiPay App.

How do I register an account for Amret Mobile App?

To register for an account for Amret Mobile, you are required to open a Personal Convenient Account (COA) or issue an Amret's ATM card. You can download Amret Mobile App from Google Play or App Store and follow the in-app instructions for registration.

Download Amret Mobile App: http://onelink.to/v689ed

I forget my login password. How can I reset and request a new password?

You can reset and request a new password by contacting our contact center via 023 999 033 / 093 999 111.

My Amret Mobile's account is locked. How can I unlock my account?

You can request to unlock your account simply by contacting our contact center via 023 999 033 / 093 999 111.

Is there a monthly fee for using Amret Mobile App?

No, there aren't any monthly fee. You can use Amret Mobile App for your banking needs, free of charge.

Is there any fee for fund transfer between Amret's accounts?

No! Fund transfer between Amret's accounts is totally free.

Is there any fee for inter-bank transfer from Amret's account to another bank's account?

The service fees are as follows:
- Fee charge: KHR 4,000 for amount <KHR 4,000,000
- Fee charge: KHR 8,000 for amount from KHR 4,000,000 to KHR 20,000,000
- Fee charge: KHR 12,000 for amount > KHR 20,000,000

What is the service fee for fund transfer from Amret to Wing or PiPay account via Amret Mobile App?

Service fees for fund transfer from Amret to Wing:
- Free for amount ≤ KHR 2,000,000 or $500
- $0.5/ transaction for amount >KHR 2,000,000 or $500
​​​​​​​
Service fees for fund transfer from Amret to Pipay:
- Free of charge.

What is the service fee for fund transfer from Amret Mobile App to ATM?

Fund transfer from Amret Mobile App to ATM is free of charge. The maximum amount for withdrawal at ATM is as follows:
- Maximum amount per transaction: KHR 400,000 or $500
- Maximum amount per day: KHR 10,000,000 or $2,500

What is the maximum amount for fund transfer from Amret to Wing?

Fund transfer from Amret to Wing via Amret Mobile App:
- Maximum amount per transaction: KHR 4,000,000 or $1,000
- Maximum amount per day: KHR 10,000,000 or $2,500

What is the maximum amount for fund transfer from Amret to Pipay?

Fund transfer from Amret to Pi Pay via Amret Mobile App:
- Maximum amount per transaction: KHR 4,000,000 or $1,000
- Maximum amount per day: KHR 10,000,000 or $2,500

Is there any fee for issuing an ATM card?

No! ATM card is totally free. However, you are required to make an initial deposit of KHR 20,000 or $5 for the green ATM card and KHR 200,000 for the Gold ATM card.

Is there a monthly fee for the ATM card?

The monthly fee for an ATM card is as follows:
- Green ATM card: 1,000 KHR
​​​​​​​- Gold ATM card: 2,000 KHR

What should I do if I lost my ATM card?

Please contact our contact center to report your lost card. You can request a new ATM card at your home branch.

Contact Center: 093 999 111 / 023 999 033

What should I do if I lost my ATM password?

You can request a new password by contacting our contact center via 093 999 111 / 023 999 033. The fee is 1,000 KHR.

Can I use my Amret's ATM card to withdraw money at other banks' ATMs?

Yes! You can make cash withdrawal at any bank's ATMs with the CSS (Cambodian Shared Switch) logo.

What is the daily limit for cash withdrawal from ATM?

The daily limit for cash withdrawal from ATM is as follows:
- Green ATM card: KHR 4,000,000 or $1,000
​​​​​​​- Gold ATM card: KHR 4,000,000 or $2,000

Does every Amret's branch have ATM?

Currently, Amret's ATMs are available in main provinces and cities such as:
- Branches in Phnom Penh: Bak Tuk, Mao Tse Tung, Choam Chao, Heng Ly Market, Kandal Market, Psa Doem Thkov, Tek Thla, Toul Tumpong, Steung Meanchey, Chhuk Meas, Boeng Keng Kong, Toul Kouk.
 - Branches in Provinces: Sihanouk Ville, Somrong Tong, Kampong Cham, Soung, Battambong, Kampot, Kampong Chhnang, Siem Reap, Ta Khmao and Steung Sen.