Last updated on 6 November 2026
In Cambodia, ATMs pay out US dollars, and no bank lets foreign cards withdraw for free. The usual fee is $4 to $5 per withdrawal (about €3.58 to €4.48), and most machines give at most $500 (€447.55) at a time. Vattanac Bank charges $4, ACLEDA Bank $5 and Canadia Bank $4 to $5, each confirmed by two sources; Cathay United, BRED Bank and Hattha Bank allow $2,000 or more per withdrawal. As of 31 October 2026.
The fee is fixed, so the lever is the amount: $5 on $100 is 5 percent, on $500 it is 1 percent. What remains is the conversion question on the screen and what your own bank adds. If your bank wants an app approval at the machine, you need data: the POVNOMAD Cambodia eSIM starts at €2.90.
Which banks in Cambodia charge foreign cards at the ATM?
| Bank | Fee | Max per withdrawal | Notes | Check |
|---|---|---|---|---|
| Vattanac Bank | $4 | $500 | ✓✓ | |
| ACLEDA Bank | $5 | $500 | ✓✓ | |
| Canadia Bank | $4 to $5 | $500 | our dataset lists $0 for some EU cards | ✓✓ |
| Prince Bank | $5 up to $500, $9 above | $1,000 | ✓✓ | |
| Hattha Bank | 2 %, at least $5 | $4,000 | ✓✓ | |
| ABA Bank | $6 to $10 reported | $500 | not in our dataset | ✓✓ |
| Maybank | $5 | $500 | at most 30 notes | ✓ |
| PPC Bank | $5 | $1,000 | ✓ | |
| FTB, CCB Bank | $5 | $500 | ✓ | |
| Campu Bank | $5 | $300 | 24,000 riel for a riel withdrawal | ✓ |
| Wing Bank | $5 | $500 | the screen may not show the fee | ✓ |
| Cathay United | $6 up to $1,000, $9 up to $2,000 | $2,000 | ✓ | |
| J Trust Royal | percentage fee | up to your card limit | amount not confirmed by a second source | ✓ |
| BRED Bank | unclear | $2,000 | our dataset lists $6 (Visa) or $10 (Mastercard), a report of June 2025 $4 plus 0.2 % | conflict |
| Sathapana | unclear | $1,000 | our dataset lists a percentage fee, a report of June 2025 $5 on $1,000 | conflict |
| Sacombank | unclear | $500 | our dataset lists a percentage fee with a cap, a report of June 2025 $1.50 on $500 | conflict |
| MB Bank | unclear | $500 to $1,000 | our dataset lists $0 for some Visa cards; ATM Fee Saver wrote in March 2026 that no ATM in Cambodia is free | conflict |
✓✓ = confirmed by two independent sources, ✓ = single source so far. Basis: POVNOMAD fee dataset (ATM Fee Saver, as of 1 September 2026), checked on 31 October 2026 against ATM Fee Saver’s Cambodia guide (1 March 2026), the YouTrip guide on you.co (12 May 2026) and user reports in the ATM Fee Saver forum (June 2025). Euro amounts at the ECB reference rate for 30 October 2026 (€1 = $1.1172). The fee shown on the ATM screen is what applies.
What does a large withdrawal cost at each bank?
If you need $2,000 in cash, the high-limit banks are not automatically cheaper:
| Bank | Withdrawals for $2,000 | Fees | equals |
|---|---|---|---|
| Vattanac Bank | 4 × $500 | $16 (€14.32) | 0.8 % |
| ACLEDA Bank | 4 × $500 | $20 (€17.90) | 1.0 % |
| Cathay United | 1 × $2,000 | $9 (€8.06) | 0.45 % |
| Hattha Bank | 1 × $2,000 | $40 (€35.80) | 2.0 % |
For small amounts the flat fee hurts: $5 on $100 is 5 percent. Take out what you need for several days at once instead of $50 or $100 at a time.
Dollars or riel: which currency do you withdraw?
Most ATMs pay out US dollars by default, and many let you choose riel at the start, according to the YouTrip guide of May 2026. The mobile operators quote their prices in dollars too, as our SIM guide found. One dollar was worth about 4,050 riel on 30 October 2026 (market rate via exchangerate-api.com). A riel withdrawal can cost a fee of its own: our dataset lists 24,000 riel at Campu Bank.
Your bank converts the dollars into euros, so even a dollar withdrawal counts as a foreign currency transaction for a card from the euro area.
What should you press at a Cambodian ATM?
If the machine offers to convert the amount into your home currency, decline. Choose “Decline conversion”, “Without conversion” or “Charge in USD”. Then your card network converts at its own rate. Check the displayed fee before you confirm; as long as no cash has come out, cancelling costs nothing. At Wing Bank the screen may not show the fee, so keep the receipt and check your account. Why the conversion button costs so much is in With or without conversion?
What does your own bank add?
The $4 to $5 are the Cambodian operator’s charge. Your own bank may add a foreign currency fee, because the dollar is not the euro, and a fee for cash withdrawals outside the European Economic Area. Both are in your bank’s fee schedule. We name no conditions of individual card issuers; they change often, and only your bank can confirm them.
Why do you need a signal at the ATM?
Many banks now ask you to approve a withdrawal abroad with a push notification in their app. With no data connection, the card is declined. The POVNOMAD Cambodia eSIM starts at €2.90 for 1 GB over 7 days and runs on Metfone 4G according to the product page. You install it at home by QR code, and validity starts when it first connects in Cambodia.
For more than a few gigabytes the local SIM costs less: Smart’s Traveller SIM gives 30 GB for 15 days at $5 (€4.48) at the airport, with your passport and a face scan. What each operator sells, and when the eSIM still pays off, is in Cambodia SIM card for tourists.
Frequently asked questions
How much does it cost to withdraw cash in Cambodia?
Usually $4 to $5 per withdrawal (about €3.58 to €4.48): Vattanac Bank charges $4, ACLEDA Bank $5, Canadia Bank $4 to $5. ABA Bank is reported at $6 to $10. Your own bank may add a foreign currency fee. As of 31 October 2026.
Are there free ATMs in Cambodia?
No reliable ones. ATM Fee Saver wrote in March 2026 that no ATM in Cambodia is free for foreign cards. MB Bank was free for some Visa cards in our dataset, but users reported in June 2025 that this works only sometimes. Read the fee on the screen.
Do Cambodian ATMs give US dollars or riel?
US dollars by default; many machines let you choose riel. The mobile operators quote their prices in dollars. One dollar was worth about 4,050 riel on 30 October 2026. Some banks charge a separate fee for riel, Campu Bank 24,000 riel in our dataset.
How much can I withdraw at once in Cambodia?
Most ATMs allow $500 (about €447.55) per withdrawal. Prince Bank and PPC Bank allow $1,000, Cathay United and BRED Bank $2,000, Hattha Bank $4,000. Your own card limit may be lower. As of 31 October 2026.
Which bank costs least for a large withdrawal in Cambodia?
For $2,000, Cathay United costs $9 in one withdrawal according to our dataset (single source). Vattanac costs $16 in four withdrawals of $500. Hattha Bank costs $40, because it charges 2 percent. As of 31 October 2026.
What should I press at a Cambodian ATM?
If the machine offers a conversion into your home currency, decline and choose “Charge in USD” or “Without conversion”. Then check the fee on the screen before you confirm. At Wing Bank the screen may not show it (as of 31 October 2026).
How do I know if these ATM fees are still current?
Each row carries a check mark: ✓✓ means two independent sources, ✓ a single source. Our dataset dates from 1 September 2026, and we checked it on 31 October 2026 against guides from March and May 2026 and user reports from June 2025. Read the amount on the screen before you confirm.
This guide is also available in German. Last updated on 31 October 2026. Fees from the POVNOMAD fee dataset (1 September 2026), checked on 31 October 2026 against atmfeesaver.com, you.co and user reports; ECB reference rate for 30 October 2026. Fees may change at any time.