The best way to send money to Cambodia

If you’re curious about sending and receiving money in Cambodia, this blog post will give you some tips and best ways to do it. This is based on my experience using these available money transfer services.

There are several ways to send money to Cambodia. You can use your own bank, a specialist money transfer service, an e-wallet, or visit a physical money remittance store. To send money, you need to register for an account and provide your personal information and payment method. You also need to provide the recipient’s name and contact information, and if sending to their Cambodian bank account, their account number, SWIFT or IBAN, and bank branch’s address.

How do I send money to someone in Cambodia?

Here are some options for sending money to Cambodia:

  • Xe: Xe offers fast and secure online money transfers with competitive exchange rates.
  • Paypal: Paypal is a popular online payment system that allows you to send money to Cambodia.
  • Xoom, a PayPal service
  • Remitly – Send and receive money online from the United States (lowest fees)
  • MoneyGram

Online money transfer services

Companies such as Western Union, MoneyGram, and Ria offer online money transfer services, which can be used to send money to Cambodia. These services are generally faster and more affordable than bank wire transfers, but fees can still be relatively high. You can also use online money transfer services like TransferWise, PayPal, WorldRemit, and others to send money to Cambodia. These services often have lower fees and offer competitive exchange rates.

1. PayPal: PayPal is widely accepted in Cambodia, and many merchants and businesses accept PayPal as a form of payment. If you have a PayPal account, you can send money to Cambodia by sending it to a recipient’s PayPal account.
2. Bitcoin: Bitcoin is a digital currency that can be used to send money to Cambodia. This method is fast, secure and has low transaction fees, but it is not yet widely used and accepted in Cambodia, so it’s not a very common way to send money.

When sending money to Cambodia, it is important to compare fees and exchange rates from different providers before choosing a method, and to make sure that the recipient has a bank account or mobile phone to receive the money.


I’ve used Payoneer for several years. It’s one of the easiest way to get your payment deposit in your local Cambodian bank account. The fee has been increased quite a bit since the pandemic. Payoneer is a favorite choice among Cambodia-based freelancers.


Formerly WiseTransfer, this online service makes transfer money abroad easily and quickly with its low cost money transfers. There are many choices of currencies available.

The good news is that starting in 2022 that Wise has become available for a country like Cambodia. [To create a Wise account is quick and easy]( You may want to connect to your Cambodian bank debit card or not is up to you.

Wise is a popular online platform for money transfers because it offers several benefits over traditional banks, including:

1. Lower fees: Wise typically charges lower fees compared to banks, especially for international transfers.
2. Better exchange rates: Wise uses the mid-market exchange rate, which is the real exchange rate, to transfer money between countries. This results in better exchange rates compared to banks who often add a markup to the exchange rate.
3. Faster transfers: Wise can process transfers quickly, often within one to two business days.
4. Convenient and easy to use: The Wise platform is easy to use and can be accessed from anywhere with an internet connection.
5. Secure: Wise uses advanced security measures to protect users’ funds and personal information.

Overall, the combination of lower fees, better exchange rates, faster transfers, convenience, and security make Wise a great choice for people who need to transfer money.


Is PayPal used in Cambodia?

Yes, you can sign up for PayPal in Cambodia and link your Cambodian bank card to your PayPal account. This can be done online in a matter of minutes, including verifying your Cambodian phone number and local bank account card linked to your PayPal account ¹². However, PayPal does not work in Cambodia 100% and you still cannot receive PayPal payments directly into a Cambodian bank.

PayPal is available in Cambodia, but with limited functionality. You can use PayPal to send and receive money from other PayPal users in Cambodia, but you cannot use it to withdraw money from your PayPal account to a Cambodian bank account. You can also use PayPal to shop online at merchants that accept PayPal, but you may be subject to additional fees.

If you need to withdraw money from your PayPal account to a Cambodian bank account, you can use a third-party service like Wise or Transferwise. These services allow you to transfer money between different countries at a lower cost than PayPal.

If you are planning to use PayPal in Cambodia, it is important to be aware of the limitations and fees involved.

The good thing is anyone in Cambodia can have a Paypal account to send money. Unfortunately, Paypal has not added Cambodia to list of countries with the capability to receive money.

Paypal users in Cambodia can only send or transfer money, but they cannot receive money through their Paypal yet. While it’s usually safe and secure to transfer money from Cambodia to abroad through a bank, Paypal is also a way that most Cambodians use.


MoneyGram customers can now reach their loved ones in Cambodia in real-time by sending directly to Wing Bank accounts. Wing Bank is a Cambodian bank owned by Royal Group.

Skrill: Online payments & Money transfers

Before choosing a money transfer option, make sure to compare the exchange rates, fees, and delivery time of each service to ensure that you get the best deal.

Fees, exchange rates, and transfer speed vary depending on the method chosen.

There are several services available you can check out. Some are more costly than the others. Trust and secure are what most people are looking for.

There are several ways to send money to Cambodia, including:

Bank wire transfer

Many banks offer international wire transfer services, which can be used to send money to Cambodia. This method is generally reliable, but can be expensive due to high fees. You can send money to Cambodia through a bank transfer. You’ll need to provide the recipient’s bank account details, including the account name, number, and bank name. It’s also essential to check the exchange rates and transfer fees charged by the banks.

Money transfer through bank in Cambodia

The most popular bank in Cambodia right now is Advanced Bank of Asia (well-known as ABA), which is a member of National Bank of Canada Group. Everyone has an ABA.

You can easily use any of Cambodian banks to transfer money within Cambodia. It’s usually free of charge for the same bank transfer. For example, if you’ve got an ACLEDA account, you can deposit your money for someone who has an ACLEDA account.

I’ve got an ABA account, so that I can easily swipe its smart phone application to transfer payment for my freelancers. If you and your recipient don’t have the same bank account, there is typically a small bank charge for the transfer service.

Bakong is also another great solution for mobile money transfer. With a registered account, you can easily and quickly send money from a local bank to another local bank.

Mobile money transfer services within Cambodia

Mobile money transfer services like Wing Bank and TrueMoney allow people who have no bank account to receive money. All they need is a phone to get the money at the agents near their home.

Sending money to a foreign a country from Cambodia

For example, if you want to send your payment to your business partners in Thailand, you can use Bangkok Bank (Cambodia), which charges about $5 for the amount under $1000. You don’t event need a bank account with this Bangkok Bank branch of Thailand. However, the bank usually asks for all the details about your transfer.

Unofficial yet reliable, fast, and cheaper to send money abraod This is one of the cheapest ways to transfer money from Cambodia to some countries abroad.

Sending money from Cambodia to Thailand

Ly Hour Money Exchanger is the best place to send money to Thailand. Their service is fast, reliable and the service fee is reasonable.

There are many agents operating this money transfer services just around the Olympic market. These shop houses offer the services to market vendors and business people in Phnom Penh. For the amount of under $1000, the agent charges just $3 for the service to send the money to your recipient with or without a bank account. Is it safe and secure? You get a receipt for your transaction. The transfer speed is fast. In less than 10 minutes, your recipient may be able to confirm receiving your payment.

Sending money from Cambodia to China It’s unbelievable that there is no service charge from money transfer to China from Phnom Penh.

Good to read:

  • How to Receive and Send Money in Cambodia
  • Best Way To Send Money To Cambodia 2023 – Exiap.
  • A fast, easy way to send money to Cambodia – Xoom.
  • Send Money To Cambodia | Your Quickest Choices |
  • Send money to Cambodia | WorldRemit.
  • Sending money to Cambodia and mainly to ABA?
    The thread on Reddit discusses fees associated with different money transfer services to Cambodia. Wise, Remitly, and MoneyGram are all mentioned as options. Some users recommend using a debit card to transfer money to Wing or Emoney for lower fees.

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