Convenience Plus Account
At ANZ Royal Bank, our relationship managers focus on providing a solutions driven approach to address the working capital, lending, deposit and transactional banking needs of the business sector in Cambodia.Drawing on experts from a wide range of disciplines including equipment finance, trade finance, treasury solutions and business banking.
Structure and deliver creative and sophisticated funding solutions to meet our customer's interests and individual requirements.
Our relationship managers can discuss your business needs in your language.
ANZ Royal Bank’s Convenience Plus Account is the perfect everyday account, offering the largest range of benefits of any other personal Account in Cambodia. For just $1 per month, you can take advantage of:
- Debit Card with free 24/7 access to 130 ANZ Royal ATMs across Cambodia
- Make purchases via >700 POS terminals at your favorite shops, cafes and restaurants
- Free access to Internet Banking
- Free local money transfers to any ANZ Royal Bank customer
- Free EDC (Phnom Penh and Kandal) Bill Payments on ANZR ATMs
- Free mobile phone top-ups on ANZ Royal ATMs
- Free Account statements (one free per month)
- Free set-up of standing orders (regular, automatic payments)
- Choice of a KHR or USD Account
- Option of a Debit Card with International access
- Talk to one of our friendly Sales Consultants at your nearest ANZ Royal Bank branch.
- Provide a minimum of US$100* for initial deposit.
- Show identification –national identity card or passport*.
- Later, you simply collect your ATM Card from the branch where the account was opened.
* Non-Cambodian citizens must show further Identification: proof of residency, as well as employment contract or business license.
Cheque account
ANZ Royal Bank Cheque Account is an account for both individual or joint account holders. Cheque book and access card is available with the account.If you make frequent transactions and require a cheque book, the ANZ Royal Bank Cheque Account could be the ideal account for you.
For just US$1.00 a month you can make unlimited transactions via ANZ Royal Bank branches, ANZ Royal Bank ATMs, cheques, ANZ Royal Bank POS terminals, and ANZ Royal Bank Internet Banking.
Key Features
Monthly Account Service Fee
- US$1.00
- Unlimited transactions via ANZ Royal Bank Branches, ATMs and POS terminals.
- Via ANZ Royal Bank branches, ATMs, cheques and POS terminals.
- Yes – including salary and other regular receipts.
- Please consult staff at our Branches or 24/7 ANZ Call Centre for details.
- Minimum opening balance of US$1000
- Minimum ongoing balance of US$500
Fast saver account
Looking forward to a holiday? Saving for a new motorbike? Or want to setup a saving account for your children? Whatever it is you are saving for, you can get there faster with an ANZ Royal Bank Fast Saver Account.The ANZ Royal Bank Fast Saver Account is an exciting new type of Savings Account, allowing you to save for the things you really want, faster. In addition to protecting your money it also helps you to save everyday. It provides base interest and if you are a real saver, and have the commitment, it also gives bonus interest on your contributions!
You receive daily interest on your funds (paid monthly). The Fast Saver Account lets you access your money whenever you like via the branch network. You will never have to keep money at home, risk losing it, or be tempted to spend it.
Key Features
Passbook
- Provides physical record on all of your transaction history
- Available at ANZ Royal Bank branches or 24/7 by contacting ANZ Royal Bank Call Centre
- Nil
- Unlimited, with no fees
- One free withdrawal per month
- Additional withdrawals incur a $1.00 fee charge
- Via ANZ Royal Bank branches only
- Early Closure Fee US$20.00 (within 3 months of opening)
- Minimum balance of US$200
- Must make at least a $10 USD deposit within the month
- Make no withdrawals
- Maintain above minimum balance
Term deposit
ANZ Royal Bank Term Deposit Accounts are an ideal way to maximise the return on your savings. We offer you higher rates of interest depending on the term that you invest with us.ANZ Royal Bank Term Deposits provide security with a fixed rate of return over your selected investment term. If you do not require immediate access to your funds and would like to earn a higher level of interest, the ANZ Royal Bank Term Deposit could be the ideal solution for you.
Key Features
Interest Rate
- Available at ANZ Royal Bank branches or 24/7 by contacting ANZ Royal Bank Call Centre
- US$5,000
- Nil
- Interest is paid at the end of the investment term, but is calculated daily.
- Subject to the agreement of ANZ Royal Bank, access to your funds before maturity is possible; however, the interest rate on the funds withdrawn early will be not applicable. Please refer to the terms and conditions, fees and charges for further information.
- Minimum Period – 30 days.
- Maximum Period – 1 Year.
- Automatically re-invest your funds for another term.
- Add extra funds.
- Withdraw part or all of the funds or at your local ANZ Royal Bank branch.
- Minimum ongoing balance of US$5,000
- Minimum opening balance of US$5,000
Premier account
Special and Preferential Treatment at Premier Banking
At ANZ Royal Bank, we place a strong focus on customer needs. This means a personal and tailor-made approach to meet your financial needs.Your banking needs are our top priority. Let our dedicated Premier banking team assist you and take care of your financial needs. They will treat you to your expectations.
Let them visit you. They speak your language- Khmer, English, French, Chinese, Spanish, German and Thai.
Enjoy your cappuccino in our relaxing and comfortable premier lounge while we handle your banking transactions.
Key Features
- Priority service exclusively for Premier banking customer
- Utmost privacy whilst making your transactions with privacy room available for your business discussion.
- Privileges and complementary services only for Premier Banking Customers.
- Banking from your home/ office
- US$1.00
- Unlimited use of ATMs with daily withdrawal of up to $2,000 , and unlimited use of POS terminals.
- Via ANZ Royal Bank branches, ATMs, cheques, POS terminals and Internet Banking.
- Please consult staff at our branches or 24/7 ANZ Royal Bank Call Centre for details.
- Minimum opening balance of US$25,000
- Minimum ongoing balance of US$1,000 for Premier with membership.
- Combined deposits held in one or more ANZ Royal Bank Premier accounts with on going balance of US$25,000 or more
- If combined balances are below $25,000 then annual Premier fee of US$250 will apply, subject to maintaining a balance of USD 1,000 in an ANZ Royal Bank Premier Account.
Foreign currency account
ANZ Royal Bank Foreign Currency Account is designed for those who have savings and want to earn a higher rate of interest on these funds. Currencies offered include Australian Dollar, Euro, New Zealand Dollar, British Pound, Japanese Yen and Thai Baht.Key Features
Interest Rate
- Available at ANZ Royal Bank branches or 24/7 by contacting ANZ Royal Bank Call Centre
- Equivalent $USD2
- Minimum opening balance is equivalent to USD$5,000
- Minimum ongoing balance is equivalent to USD$1,000
Introduction to ANZ Royal Bank credit card
A credit card allows you to purchase products or services without cash and to pay for them at a later date. To qualify for this type of credit, you must open an account with ANZ Royal Bank.Once you are approved for a credit card, you will then receive a line of credit with a specified credit limit. You can use your credit card to make purchases from participating stores until you reach your credit limit. Every month, ANZ Royal Bank will provide you with a statement, which shows your card activities during the previous 30 days.
Key Benefits of a Credit Card
A Credit Card lets you use your bank’s money as a short-term loan to buy something you want now, and then pay for it later. Also, when you use a credit card you don’t need to keep cash with you which carries with it the risk of being stolen or lost. So, with a credit card you can manage you finance in a more convenient way.
You can pay for your purchases at a later date – no need to pay right away!
With ANZ Royal Bank credit card, you will enjoy up to 45days interest free on purchase. All you need to do is pay your full closing balance of your credit card statement by the due date.
This mean you can make that special purchase without having to wait until payday!
You can use your ANZ Royal Bank credit card in more than 130 countries and territories as well as over 1 million ATMs worldwide using the extensive Visa network. Plus you can use your ANZ Royal Bank credit card in over 1,000 Blue Spots all over Cambodia. So, you can enjoy life without cash.
Imagine buying that special item you have always wanted immediately without having to wait, this is what an ANZ Royal Bank credit card can do for you.
Key Features
| Diamond | Emerald Secured |
|---|---|
| Pure credit, no deposit | Secured card |
| Access to Diamond Privilege Program | Low annual fee |
| Up to 45 days interest free credit on purchases | Up to 45 days interest free credit on purchases |
| The convenience of Internet and phone shopping | The convenience of Internet and phone shopping |
| Acceptance at over 25 million outlets around the world | Acceptance at over 25 million outlets around the world |
| Account inquiries through the ANZ Royal Bank Call Centre, 24 hours a day, 7 days a week | Account inquiries through the ANZ Royal Bank Call Centre, 24 hours a day, 7 days a week |
| Safer than carrying cash | Safer than carrying cash |
| Annual fee $100 | Annual fee $25 |
| Monthly interest 2.92% | Monthly interest 1.5% (cash advance 1.83%) |
| Minimum repayment 10% of monthly outstanding balance | Minimum repayment 10% of monthly outstanding balance |
Useful tips
Always try to pay your closing balance in full by due date. You can confirm your payment has been received by calling the ANZ Royal Bank Customer Service team on (855) 23 999 000
If you do not receive your statement, contact the ANZ Royal Bank Customer Service team on (855) 23 999 000 for a duplicate statement.
Always pay at least the minimum payment by the due date, including any amount due immediately.
Ensure your credit limit is appropriate and manageable for you. Contact the ANZ Royal Bank customer service team on (855) 23 999 000 if you have any concerns.
Make sure you sign your card, and always keep it safe. Do not disclose your PIN to anyone or have it close to your card.
If your card is lost or stolen, call the ANZ Royal Bank customer service team immediately on (855) 23 999 000.
How do I get an ANZ Royal Bank Credit Card?
- Visit your nearest ANZ Royal Bank branch and talk to a sales consultant / card specialist.
- Open an ANZ Royal Bank Transaction Account (if you do not yet have an ANZ Royal Bank Account) to help manage your credit card.
- Fill out an application form with help from Bank’s staff.
- Provide the required documents:
- Identification – can be one of the below (Which is still valid – with photograph and not expired)
- National ID Card
- Passport
- Driver’s License
- Proof of Employment and Income
- Employment letter starting your position, number of years working in current workplace, and current in Cambodia
- Identification – can be one of the below (Which is still valid – with photograph and not expired)
- Meet ANZ Royal Bank Credit Card criteria of eligibility and conditions.
- Receive letter of offer/approval letter and collect your credit card at the ANZ Royal Bank branch where you applied.
Diamond credit card privilege program
What’s so great about the ANZ Royal Bank Diamond Credit Card Privilege Program?ANZ Royal Bank is proud to present you with the Diamond Card Privilege Program. As a Diamond cardholder, you will enjoy special offers and privileges at participating merchants. The Diamond Privilege Program is presented as your guide to the top privilege in Cambodia.
You can choose from our extensive range of five-star hotels, restaurants, health care, travel and entertainment partners.
Telegraphic money transfer
Telegraphic Transfer services are available for convenient everyday personal and business banking. It is a high speed electronic transfer of funds in a local or foreign currency to pay a supplier/relative in Cambodia or overseas, or to receive funds from non-ANZ Royal Bank customers locally or internationally.Key Features
How to access theses services:
- Can be arranged through any ANZ Royal Bank branch
- Fees and charges are payable.
- Outword transfer – Overseas
- Commission : 0.20% (min USD$20) of the transaction value
- Cable charges : USD15 flat
- Outward to other bank – Local
- Commission : 0.1% (min USD$2) of the transaction value within city or province
- Commission : 0.1% (min USD$5) of the transaction value to outside of originating transfer
- Inward transfer – Overseas
- Commission : 0.15% (min USD$10) of the transaction value
- Inward transfer – Local: free
- High speed electronic transfer via SWIFT (global bank to bank messaging system)
- Connection through our vast array of correspondent banks around the world for fast and speedy delivery of your money
- If you have an account with ANZ Royal Bank, all transfers are shown on your statement
- The recipient (outward TT) will receive notification of a transfer from you
- Transparent fee charging where there are no hidden surprises
- Immediate follow up with overseas banks on any funds transfer via ANZ Royal Bank
- Same day transfer when received by ANZ Royal Bank during working hour and cut off time.
Bank draft (inward/outward)
Bank Drafts can be used to pay to or receive funds from anyone outside Cambodia in foreign currency to avoid carrying large amounts of cash to a vendor.Key Features
How to access these Services
- Can be arranged through any ANZ Royal Bank Branch.
- Fees and charges are payable.
- Bank Draft – Accepted (Inward)
- Commission : 0.125% (min USD40.00)
- Bank Draft – Issued (Outward)
- Commission : 0.25% (min USD25.00)
- Bank Drafts – Accepted (Inward)
- A bank cheque written from any bank, local or international, can be given to ANZ Royal Bank and be deposited into your account or for immediate cash (conditions apply)
- The service is commonly used for low value international purchases.
- Bank Drafts – Issued (Outward)
- Bank Drafts can be written by ANZ Royal Bank from your existing funds in selected international currencies and can be exchanged for cash in the nominated country of the currency selected.
- This service is extremely convenient for low value international purchases where vendors require up-front payment.
Bank cheque
ank Cheque is available to pay anyone in Cambodia to avoid carrying large amounts of cash to a vendor.
Key Features
How to access this Services
- Can be arranged through any ANZ Royal Bank Branch.
- Fees and charges are payable.
- Commission : USD10 flat
- Can be drawn from your existing funds in USD or KHR and can be used to pay anyone in Cambodia
- ANZ Royal Bank Cheque can be excha
Foreign exchange
Foreign exchange services enable you to buy or sell a foreign currency against USD or another foreign currency.Our Foreign Exchange Services are simple and easy to use and offer currency choices.
In today’s global and highly competitive world reliance on a single currency can be highly risky. Currency choices allow both businesses and individuals the opportunity of potential benefits from using Foreign Exchange. Well considered and managed currency choices have the potential to reduce costs and to deliver benefits from foreign exchange rate movements. ANZ Royal Bank is able to help you here.
Key Features
Availability:
- in all major countries.
- Value same day: This helps you to purchase or sell foreign currency at today’s price to meet your immediate needs.
- Forward foreign exchange contracts: This provides you an exchange rate today for goods or services you plan to use in the future. It allows you to fix a price in advance. With this comes flexibility because the contract can be extended, pre-delivered or cancelled whenever you wish.
- Subject to bank credit assessment: Forward Exchange Contracts mean you may not need to make payment, till the future date you requested for delivery of the foreign currency.
- Meanwhile, your foreign exchange rate is fixed.
- this allows you to reduce reliance on USD by holding some part of your savings / funds in another major currency. Foreign Exchange is the key which provides you the opportunity to hold a Foreign Currency Account.
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