Smart Business Account

Smart Business Account is a high interest rate current account opened for customers, individuals or legal entities who are merchants for the purpose of payment for goods via electronic system POS / QR / E-Commerce / Biller.
Features and Conditions
Interest rate per annum
≤ USD500 = 0.50%
≤ USD20K = 0.75%
≤ USD500K = 1.25%
> USD500K = 1.50%
> KHR2M = 0.75%
≤ KHR80M= 1.00%
≤ KHR2,000M = 1.50%
> KHR2,000M = 1.75%
Interest payment Monthly basis
Minimum opening balance USD 5 or KHR 20,000 (From May 1st, 2024)
Minimum On-Going Balance USD 1 or KHR 4,000 (From May 1st, 2024)
Monthly average balance Not Require
Dormant account USD 50 or Equivalent
Membership fee - FREE or
- USD 10 without transaction (POS/QR) for the Last 3 Months
Early closure USD 30 or Equivalent
if account closed within 6 months from opening date
Access to Open/Cose Branch
Cheque Book Facility Yes
Credit Advice FREE
Bank reference USD 10 or Equivalent
Audit Confirmation USD 10 or Equivalent
Bank Statement FREE
Cheque book USD 5
Debit /Credit - Free First Annual Fee
- Available for Individual Merchant
Debit Card Daily Withdrawal Limit USD 3,000
Canadia Mobile Banking - Applicable Merchant Holder
- Not Applicable Corporate Merchant
Inward Overseas Transfer FREE
Outward Overseas Transfer ≤ USD 10,00 = USD 15
> USD 2,000 < USD 10,000 = USD 18
> USD 10,000 = 0.14% Plus USD 15 (Cable Fee)
Cash / Cheque Withdrawal ≤ USD 100,000 = FREE
> USD 100,000 = 0.10% Min. USD 1
(Charge the Exceed Amount of USD 100K Only)
Benefits - Free 1st Annual Fee Debit Card (Visa/UPI)
- Free 1st Year Annual Fee for Mastercard
- Get 50% off on service charge with minimum is not lower than $150 for Vehicle Loan.
- Get 50% off on service charge with minimum is not lower than $200 for Home Loan.
- Get 0.25% on Standard Rate of SME and get 50% on Bank Service Charge of Standard Fee.
- Get free 1st Premium Insurance for 1st loan application with minimum $100 for Home Loan.
- Get 0.2% on Standard Rate of MDR Fee Charge.
- Get additional 0.25% on standard interest rate if receive KHQR scan payment ≥ 30 times per month
Requirements - Certificate of Incorporation/Registration issued by Ministry of Commerce
- Memorandum and Article of Association
- Business license issued by relevant ministry and/or authority (if applicable)
- Business Patent Tax or Receipt of Patent Payment
- Board Resolution/Certified Extracted Board Resolution
- Passports/ ID Cards of Authorized Signatories, Shareholders and Board of Directors
- Official Stamp/Seal of the Company

 The above Interest Rate and Terms & Conditions are subject to change at the Bank's sole discretion without any prior notice to customer.

 For further information, please visit your nearest Canadia Bank branch or give us a call at

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Smart Business Account Protection Status