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 ≤ 80,000,000 ≤ 20,000 0.50%
> 80,000,000 - 200,000,000 > 20,000 - 50,000 1.00%
> 200,000,000 > 50,000 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
Primary and Supplementary Initial Issuance (Personalized Card) 20,000 5
Card Replacement with reason lose 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

Is there any fee for issuing an ATM card?

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 any 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.

What should I do if I lost my ATM password?

You can request a new password by contacting our call 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 withdraw cash 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

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

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.