Personal Convenient Account

Transactions and Payments Made Simple

Whether you need an account for business operation or day-to-day payments, the Personal Convenient Account (COA) is your solution with  high-level security and an interest rate of up to 3.5%!

Be it a cash withdrawal, bank deposit, money transfer, or bill payment – COA accounts enable you to perform transactions anytime and anywhere through comprehensive delivery channels include Amret's 156 branches, 160+ Mobile Saving Officers, 1,200+ National Shared Switch ATMs, 10,000+ Wing and True agents, and the Amret Mobile App.

Open an Account

​​​​​​​>  Visit your nearest Amret's branch
>  Present valid identification such as your ID card, passport, driving license or family book (with photo)
>  Our staff will help you fill in an application form
>  You will receive a savings passbook or certificate

Key Benefits

​​​​​​> Transfer or withdraw cash for free at any Amret's ATMs ​​​​​​​
> Perform cash withdrawal at a low service fee via 1,200+ National Shared Switch ATMs with your Amret's ATM card ​​​​​​​
> Perform cashless payments in stores or supermarkets equipped with a CSS’s POS terminal
​​​​​​​> 24/7 transactions through Digital Banking ​​​​​​​
> Check and manage your budget via Amret Mobile app ​​​​​​​
> Check balance or print mini bank statement via Amret’s ATMs ​​​​​​​
> Minimum opening balance of only 3 USD ​​​​​​​
> Competitive interest rate
​​​​​​​​​​​​​​> Access our mobile teller service to save every day at your doorstep

Currency KHR USD Annual Interest Rate
Account Balance ≤ 40,000,000 ≤ 10,000 0.50%
> 40,000,000 - 80,000,000 > 10,000 - 20,000 2.50%
> 80,000,000 > 20,000 3.50%

*Amret reserves the right to modify pricing without prior notice.

Conditions KHR USD
Initial deposit amount (Green card) 40,000 10
Initial deposit amount (Gold card) 400.000 100
On-going balance (Green card) 20.000 5
On-going balance (Gold card) 200.000 50

*Amret reserves the right to modify pricing without prior notice.

Fee on ATM Card KHR USD
Primary and Supplementary Initial Issuance (Instant Card) Free
Card replacement with reason damage or broke
Re-issue PIN
Card Replacement with reason lose card
Primary and Supplementary Initial Issuance (Personalized Card) 20,000 5
Card Cancellation before 03 months 12,000 3
Monthly Charge for Green Card 1,000 0.25
Monthly Charge for Gold Card 2,000 0.50

*Amret reserves the right to modify pricing without prior notice.

Frequently Asked Questions

Can I open Convenient Account online?

Yes you can open Convenient Account via Amret Mobile.

How much interest rate will I get from my Account?

Your interest you will receive is following by the balance in your account:                 
  *≤ KHR40,000,000 or ≤ USD10,000 get annual interest rate 0.50%
  * >
KHR40,000,000 - KHR80,000,000 or > USD10,000USD20,000 get annual interest rate 2.50%
  * > KHR80,000,000 or > USD20,000 get annual interest rate  3.50%

Is there any fee for New Account opening?

​​​​For New Account Opening we charge no fee. You can open both Riel and USD Account for free.

If I live oversea, Can I open Amret Account?

 If you live oversea you cannot open account with us because for new account opening we need you to visit Amret Branches directly. 

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

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

Yes, you can at any Amret's branch that has ATM and Pin Pad machine. 

Currently, you can purchase or settle online bill via Acleda POS machine or CSS POS machine without fee charge.

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.

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 8,000,000 or USD2,000
  -Gold ATM Card : KHR 12,000,000 or USD3,000

Does every Amret's branch have ATM?

Curently, Amret's ATMs are available in main provinces and cities such as:
  -ATM: Bak Touk, Khsach Kandal, Udong, Prey Nup, Kien Svay, Poi Pet, Preah Vihear, Stoeng Treng ,Prey Veng, Chhouk, Damnak Chang E'aur ,Thnal Tortoeng, Serei Sophoan ,Daunkeo ,Koh Kong ,Preah Sihanouk ,Kampong Siem ,Soung ,Kampong Chhnang ,Kampong Tralach ,Pursat ,Stoeng Sen ,Toul Kork ,Chamka Dong ,Phsar Kandal ,Phsar Derm Thkov ,Phsar Hengly ,Phsar Toul Tompong ,Prek Leap ,Russey Keo ,Toul Pongro ,Prek Tameak ,Svay Antor ,Ban Lung ,Svay Rieng
  -CDM: Bak Touk ,Choam Chao ,Stoeng Meanchey ,Phsar Chhouk Meas ,Chbar Ampov ,Prek Phnov ,Takhmao ,Battambang ,Siem Reap ,Samrong Torng ,Kampot ,Kirivong ,Toul Kork