Payment Methods
In Cambodia

How to pay?

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How to Pay in Cambodia – Currency, Methods & Practical Tips

Whether you are a tourist, resident, or entrepreneur, it’s essential to understand the payment methods in Cambodia to avoid surprises. Here’s a practical guide on how people pay in Cambodia — at markets, in hotels, or online.

Official Currency: Cambodian Riel (KHR)

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

🔹 Small transactions (under $10) are usually done in riel.
🔹 Worn or damaged dollar bills are not accepted.
🔹 Coins are not used.
🔹 Indicative rate (2025): 1 USD ≈ 4,100 KHR (subject to fluctuation).

👉 Xe Currency Converter : Click here

Most Common Payment Methods

1. Cash

The most common method, especially in rural areas
Always carry small bills in both USD and KHR
Essential for markets, tuk-tuks, and small restaurants

2. Bank Cards

Accepted in hotels, upscale restaurants, supermarkets, and travel agencies
Transaction fees: 2%–5% depending on the establishment
Visa & Mastercard are the most widely used

3. ATMs

Widely available in major cities (Phnom Penh, Siem Reap, Sihanoukville)
Some ATMs dispense USD, others only riel
Watch out for foreign withdrawal fees ($4–6 per transaction)

4. Mobile Payment Apps

Cambodia is rapidly moving towards digital payments. Popular apps include:

ABA Bank App – very popular among young people and professionals
Wing Money, TrueMoney, Pi Pay – accepted in many shops
Bakong – national digital payment system supported by the National Bank of Cambodia

👉 Convenient for sending money, paying bills, or shopping online.

Payments in Shops and Services

Hotels / Resorts: Card, USD
Tourist Restaurants: USD, card, sometimes QR code
Markets / Street food: Riel only
Taxis / Tuk-tuks: Cash (USD or riel)
Travel Agencies: Card, cash, or bank transfer
Local Shops: Cash or mobile payment

🔐 Practical Tips

Always carry cash, especially outside major cities.
Check bank fees before using an ATM.
Refuse damaged USD bills.
Download a local banking app if staying several weeks.
Exchange currency at a bank or reliable exchange office (avoid airports due to high rates).

For Professionals: How Do Clients Pay?

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