Payment method
In Cambodia

How to Make Payments in Cambodia?

Currency, Methods, and Best Practices

Whether you're a tourist, resident, or business owner, it’s essential to understand how payments work in Cambodia to avoid surprises. Here's a practical guide to how people pay in Cambodia—at markets, hotels, or online.

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Official Currency: Cambodian Riel (KHR)

The national currency is the Cambodian riel (KHR). However, in daily life, the US dollar (USD) is also widely used.

 

Good to know:

• Small transactions (under $10) are often made in riel.

• Damaged or torn US dollar bills are not accepted.

• Coins are not used.

• Indicative exchange rate (2025): 1 USD ≈ 4100 KHR (subject to fluctuation)

 

Most Common Payment Methods

1. Cash

• The most common payment method, especially in rural areas

• Carry small denominations in both USD and KHR

• Essential for markets, tuk-tuks, and small local eateries

2. Bank Cards

• Accepted in hotels, upscale restaurants, supermarkets, and travel agencies

• Fees range from 2% to 5% depending on the establishment

• Visa and Mastercard are the most commonly accepted

3. ATM Withdrawals

• ATMs are widely available in major cities (Phnom Penh, Siem Reap, Sihanoukville)

• Some ATMs dispense USD, others only riel

• Beware of foreign withdrawal fees (typically $4–$6 per transaction)

4. Mobile Payment Apps

Cambodia is quickly shifting towards digital payments. Local and regional apps are growing in popularity:

• ABA Bank App – Very popular among young people and professionals

• Wing Money, TrueMoney, Pi Pay – Accepted in many shops

• Bakong – National digital payment system backed by the National Bank of Cambodia

These are convenient for sending money, paying bills, or shopping online.

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Paying in Shops and Services

• Hotels / Resorts: Credit card, USD

• Tourist Restaurants: USD, card, sometimes QR code

• Markets / Street Food: Riel (local currency) only

• Taxis / Tuk-tuks: Cash (riel or USD)

• Travel Agencies: Card, cash, transfer

• Local Shops: Cash or mobile payment

 

Practical Tips

• Always carry some cash, especially outside major cities

• Check your bank’s fees before using an ATM

• Refuse overly damaged bills

• Download a local banking app if staying for several weeks

• Exchange your currency at a reliable bank or money changer (avoid the airport due to high rates)

 

For Business Owners: How Do Your Clients Pay?

More and more Cambodians are using QR code payments, especially via ABA, Bakong, or TrueMoney.
If you run a business (rental, agency, shop), consider offering multiple payment options to reach more customers.

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Renting a Car with Driver?

With CambodiaCarRentals.com, we offer flexible payment options:

• Cash in USD or KHR

• Mobile payment (ABA, Wing)

• Bank transfer

• Online payment upon request