ATM Fees in Cambodia
Cambodian Riel (KHR) • Updated April 2026
Cambodia operates on a dual-currency system with US Dollars widely accepted alongside the Cambodian Riel. ATMs dispense USD, and cards are accepted in major tourist areas. Cash is king in rural areas and local markets.
Tips for Cambodia
- • US Dollars are widely accepted - bring clean, undamaged bills
- • ATMs dispense USD (usually $100 bills) - ask for smaller denominations
- • Riel is used for small change under $1
- • Strict 'Clean Note' Policy: US dollar bills with any tear, ink mark, or fading will be rejected - bring crisp, pristine bills only
- • Small USD bills ($1, $5) are increasingly being phased out in favor of Riel - pay with larger bills and receive change in Riel
- • Negotiate prices at markets - start at 50% of asking price
Airport tips
- • Phnom Penh and Siem Reap airports have ATMs after customs
- • Airport exchange rates are poor - withdraw USD from ATM instead
- • Visa on arrival costs $30 USD (cash only, exact amount preferred)
- • Bring passport photos for visa on arrival
Don't forget your home bank fees
The fees shown above are charged by local ATMs. Your home bank may also charge additional fees for international withdrawals (typically 1-3% + a flat fee). Check with your bank before traveling.
Estimated daily expenses
How much cash you might need per day in Cambodia, per person.
Backpacker
Hostels, street food, public transport
KHR/day
≈ $0.01-0.01 USD
Mid-range
Hotels, restaurants, mix of transport
KHR/day
≈ $0.01-0.03 USD
Luxury
Premium hotels, fine dining, private transport
KHR/day
≈ $0.04-0.08 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Cambodia.
Credit card acceptance
LowCash (USD) is essential. Cards accepted at upscale hotels, restaurants, and shops in tourist areas only.
You'll need cash for
- • Street food and local markets
- • Tuk-tuks and local transport
- • Small guesthouses
- • Temple entrance fees
- • Rural areas
Cards usually accepted
- • Upscale hotels in Phnom Penh/Siem Reap
- • International restaurants
- • Shopping malls
- • Some tour operators
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| ABA Bank | $4-5 | 0% | Visa/MC rate | ~4.00 USD | 100 | Fee now charged for non-customers (as of late 2023) |
| ACLEDA Bank | $4-5 | 0% | Visa/MC rate | ~4.00 USD | 500 | Largest network in Cambodia |
| Canadia Bank | $4-5 | 0% | Visa/MC rate | ~4.00 USD | 80 | Good availability |
📍 Most widely available ATMs
Sorted by number of ATM locations. More branches means easier access, but fees may be higher.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| ACLEDA Bank | $4-5 | 0% | Visa/MC rate | ~4.00 USD | 500 | Nationwide coverage |
| ABA Bank | $4-5 | 0% | Visa/MC rate | ~4.00 USD | 100 | Fee now charged for non-customers |
| Canadia Bank | $4-5 | 0% | Visa/MC rate | ~4.00 USD | 80 | Urban areas |
🌐 ATM Alliance Benefits: If you bank with a member of these alliances, you may get reduced or waived ATM fees in Cambodia:
View all ATM alliances →