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)
| Currency | Transfer amount per transaction | Fee charge |
|---|---|---|
| KHR | ≤ 4,000,000 | Free of charge |
| > 4,000,000 to 8,000,000 | KHR 3,000 | |
| > 8,000,000 to 20,000,000 | KHR 6,000 | |
| > 20,000,000 to 40,000,000 | KHR 8,000 | |
| > 40,000,000 to 100,000,000 | KHR 10,000 | |
| > 100,000,000 to < 200,000,000 | KHR 14,000 | |
| USD | ≤1,000 | Free of charge |
| > 1,000 to 2,000 | USD 0.75 | |
| > 2,000 to 5,000 | USD 1.50 | |
| > 5,000 to 10,000 | USD 2.00 | |
| > 10,000 to 25,000 | USD 2.50 | |
| > 25,000 to < 50,000 | USD 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 Transfer | Maximum Limit per Day | Maximum Limit per Transaction |
|---|---|---|
| Transfer from Account at KB PRASAC to Account at Other Banks | KHR 200 million and USD 50,000 | KHR 80 million or USD 20,000 |
| Transfer from Account at KB PRASAC to Bakong’s Wallet Account | KHR 40 million and USD 10,000 | KHR 10 million or USD 2,500 |
Product Features
| Features | Descriptions |
|---|---|
| Currency | KHR and USD |
| Cash-In | #list# – 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 | #list# – 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 | #list# – 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 |
|
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.
