Cambodia's banking sector has undergone a digital transformation, with major institutions investing heavily in mobile-first platforms. From ABA Bank's 4 million mobile users to Wing Bank's nationwide agent network, digital banking has become the primary way Cambodians access financial services.
Cambodia's banking sector is dominated by a small number of large institutions, with the top four banks — ABA, ACLEDA, KB Prasac, and Canadia — accounting for over 75% of the country's $1 billion in total banking net profit in 2025, according to the Cambodia Investment Review.
The National Bank of Cambodia's 2025 Annual Report shows that total banking system assets reached $101.8 billion, with 18.6 million deposit accounts and 4.3 million credit accounts. The country has 59 commercial banks, 89 microfinance institutions, four specialized banks, and 89 rural credit institutions.
Unlike some markets where "digital banks" are neobanks with no physical presence, Cambodia's digital banking leaders are primarily traditional banks that have invested heavily in mobile platforms. The NBC's Bakong infrastructure has accelerated this by providing a shared payment rail that all institutions can build on.
ABA Bank remains Cambodia's leading digital bank by mobile users as of 2026, with continued dominance in digital payments and merchant acquiring.
Named Cambodia's top bank by Global Finance 2025. Largest bank by assets with strong rural and SME focus.
Cambodia's first mobile money operator. Partnered with Mastercard and Compass Plus Technologies in 2025 to launch a two-in-one card.
One of Cambodia's oldest and largest banks. Part of the top four banks accounting for 75%+ of Cambodia's $1B banking net profit in 2025.
Evolved from microfinance to full commercial bank. Strong rural lending portfolio with growing digital capabilities.
Part of Thailand's Charoen Pokphand Group. Extensive agent network makes it accessible in areas with limited bank branches.
ABA Bank and Wing Bank offer the most feature-rich mobile apps for everyday transactions, QR payments, and bill payments.
Wing Bank and TrueMoney have the most extensive agent networks, making them accessible in areas with limited bank branches.
ABA Bank (PayWay gateway), ACLEDA, and KB Prasac offer the most comprehensive SME and business banking digital tools.
The World Bank's Global Findex database shows that Cambodia has made significant progress in financial inclusion, with account ownership rising substantially over the past decade. The NBC and the Cambodia Microfinance Association (CMA) have jointly operated a Financial Consumer Centre to address complaints and promote financial literacy.
However, the Asian Development Bank (ADB) and AMRO have noted that rural populations, women, and informal sector workers remain underserved. Digital banking adoption is concentrated in urban areas, particularly Phnom Penh and Siem Reap, while rural areas rely more heavily on microfinance institutions and agent banking networks.
The Open Development Cambodia platform highlights that Cambodia's rapid microfinance growth has also raised concerns about household over-indebtedness, with the sector requiring stronger consumer protection frameworks as digital lending scales.