How to Send Money To and From Cambodia

There are several ways to move money, and costs and speed differ.

Options

• Bank wire (SWIFT): good for large amounts and business payments. Can have fees at several banks.
• Online transfer services: good for small and medium personal transfers. Often cheaper, with clear exchange rates.
• Money transfer operators: good for cash pickup and quick transfers. Compare fees and rates.
• Mobile wallets and bank apps: good for local transfers and QR payments. Fast and low cost inside Cambodia.
• Cash: for small amounts. Carry with care and follow declaration rules.

How to choose

1. Compare the total cost, including the exchange rate margin and fees on both ends
2. Check how fast the money arrives
3. Check limits and the documents needed
4. Use regulated providers only

For business payments

• Use a bank for large transfers and keep invoices as proof
• Confirm the beneficiary details carefully
• Ask your bank about trade payments such as letters of credit

Tips

• Never send money to someone you have not verified
• Keep records of each transfer for tax and customs reasons
• Declare large cash amounts when you cross the border if required

Transfer rules and fees change. Check with your bank or provider.