Bakong Payment Service

All customers of member banks and financial institutions of Bakong are able to scan and pay with KB PRASAC’s merchants easily without using physical notes.

Bakong Payment Service is a retail pay system which is allowed all customers to make cash transactions across or within member banks and financial institutions of Bakong. Bakong system is initiated by the National Bank of Cambodia (NBC).

You can install Bakong App and register it on your mobile phone for making below transactions:

  • Fund transfer from Bakong account to Bakong account within same institution or to other institutions
  • Fund transfer from Bakong account to bank account within same institution or to other institutions
  • Scan and pay via QR code at KB PRASAC’s merchants
  • Check balance and Bakong account statement

Fee Charge for Interbank Fund Transfer (from Account to Account)

CurrencyTransfer amount per transactionFee charge
KHR≤ 4,000,000Free of charge
> 4,000,000 to 8,000,000KHR 3,000
> 8,000,000 to 20,000,000KHR 6,000
> 20,000,000 to 40,000,000KHR 8,000
> 40,000,000 to 100,000,000KHR 10,000
> 100,000,000 to < 200,000,000KHR 14,000
USD≤1,000Free of charge
> 1,000 to 2,000USD 0.75
> 2,000 to 5,000USD 1.50
> 5,000 to 10,000USD 2.00
> 10,000 to 25,000USD 2.50
> 25,000 to < 50,000USD 3.50

Note:

  • These above fee charges have been effective since 15 January 2026 based on this announcement
  • Scanning KHQR Code of other banks is free of charge

Transfer Limit

Types of TransferMaximum Limit per DayMaximum Limit per Transaction
Transfer from Account at KB PRASAC to Account at Other BanksKHR 200 million and USD 50,000KHR 80 million or USD 20,000
Transfer from Account at KB PRASAC to Bakong’s Wallet AccountKHR 40 million and USD 10,000KHR 10 million or USD 2,500

Product Features

Features Descriptions
Currency KHR and USD
Cash-In
  • Transfer from Bakong account to Bakong account
  • Transfer from bank account to Bakong account at KB PRASAC branch office
  • Transfer from bank account to Bakong account via KB PRASAC Mobile and Corporate Banking
  • Bakong account top-up at KB PRASAC branch office
Cash-Out
  • Cash withdrawal from Bakong account at KB PRASAC branch office
  • Transfer from Bakong account to your account at KB PRASAC, then make cash withdrawal via KB PRASAC’s ATM
Installation and Registration
  • Self-install Bakong App and self-register on mobile phone
Initial Deposit or Minimum Balance
  • Not required
Interest Rate
  • 0%
Number of Transaction
  • Not limit
Free of Charge
  • Transfer from Bakong account to Bakong account
  • Transfer from Bakong account to bank account
  • Cash-in and cash-out
  • Scan and pay
  • Registration
  • Close account
Bakong’s Members
  • KB PRASAC Bank Plc.
  • ACLEDA Bank PLC
  • Vattanac Bank
  • Cambodia Post Bank Plc
  • Sathapana Bank Plc
  • Foreign Trade Bank of Cambodia
  • Canadia Bank Plc
  • Chip Mong Commercial Bank Plc
  • Phnom Penh Commercial Bank
  • Bank for Investment and Development Cambodia
  • Phillip Bank Plc.
  • Advanced Bank of Asia Ltd (ABA Bank)
  • Chief (CAMBODIA) Commercial Bank Plc.
  • HATTHA BANK PLC.
  • Cambodian Public Bank
  • Wing Bank
  • MAYBANK (CAMBODIA) PLC.
  • Shinhan Bank (Cambodia) Plc.
  • AMK Microfinance Institute Plc
  • WOORI BANK (CAMBODIA) PLC.
  • LOLC (Cambodia) Plc.
  • True Money (Cambodia) Plc.
  • E-money Payment Solution Plc.
  • LY HOUR PAY PRO PLC
  • Amret Microfinance Institution
  • IPAY88 (CAMBODIA) PLC.
  • Cool Cash Plc.
  • Cambodia Asia Bank (CAB Bank)
  • Asia Weiluy
  • B.I.C (CAMBODIA) BANK PLC.
  • SBI LY HOUR BANK PLC.
  • ASIA-PACIFIC DEVELOPMENT BANK PLC. (APD Bank)
  • MOHANOKOR MICROFINANCE INSTITUTION PLC.
  • HONG LEONG BANK (CAMBODIA) PLC.
  • ORIENTAL BANK PLC.
  • RHB BANK (CAMBODIA) PLC.
  • PI PAY PLC.
  • U-PAY DIGITAL PLC.
  • BONGLOY PAYMENTS PLC.
  • BRED BANK (CAMBODIA) PLC.
  • BANK OF CHINA (HONG KONG) LIMITED PHNOM PENH BRANCH
  • AGRICULTURAL AND RURAL DEVELOPMENT BANK (ARDB)
  • CATHAY UNITED BANK
  • CIMB BANK PLC
  • ICBC Phnom Penh Branch (ICBC)
  • SACOMBANK (CAMBODIA) PLC
  • FIRST COMMERCIAL BANK PHNOM PENH BRANCH
  • HENG FENG (CAMBODIA) BANK PLC.
  • LANTON INTERNATIONAL (CAMBODIA) PAYMENT SERVICE PLC.
  • J TRUST ROYAL BANK PLC.
  • MB BANK (CAMBODIA) PLC.
  • Union Commercial Bank Plc.
  • DGB Bank Plc.
  • BRIDGE BANK PLC
  • ALPHA COMMERCIAL BANK PLC.
  • DARA SAKOR PAY PLC.
  • KESS INNOVATION PLC.
  • CCU Commercial Bank Plc
  • PEAK WEALTH BANK PLC
  • HENG HE (CAMBODIA) COMMERCIAL BANK PLC.
  • SMALL AND MEDIUM ENTERPRISE BANK OF CAMBODIA
  • SUNPAY (CAMBODIA) PLC.
  • TAIWAN COOPERATIVE BANK, PHNOM PENH BRANCH
  • BRANCH OF INDUSTRIAL BANK OF KOREA “PHNOM PENH”

Note:

  • Customers can cash-in and cash-out of Bakong’s account at KB PRASAC’s branches within Phnom Penh and Takhmao.
  • KB PRASAC reserves rights to change fee with prior notice to the client as required by law.
  • Other terms and conditions apply.

Related Products