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Cambodia forum

ATM's in Cambodia

Posted by dv8inpp on 19/7/2006 at 05:12

I've just updated my page of where ATM's are located in Phnom Penh and Siem Reap. There are now 26 ATM's in PP and 7 in SR, which is strange when you consider that SR get 90% of the tourists.

#1 dv8inpp has been a member since 11/7/2005. Posts: 4

Posted by pauljaymes on 19/7/2006 at 22:33

When I was there about 10 days ago, an ANZ Royal with ATMs was on the verge of opening in Sihanoukville.

Very useful page by the way.

Don't take it personally but I do believe ATMs as a plural form should not have an apostrophe (').
See and for some good info.


#2 pauljaymes has been a member since 10/7/2006. Posts: 75

Posted by exkhmer on 20/7/2006 at 00:58

Do these ATMs output US dollars or Khmer riels? I am not surprise that there is few ATMs in Siem Reap than Phnom Penh, because of high concentration of businesses in Phnom Penh than Siem Reap. But I am sure there will be more in the next couple years. Cambodia is still far behind in utilizing available technology, just like the implementation of the 3G had been cancelled by Hun Sen, because of someone sent pornographic pictures to his wife and he got pissed off. Also, I think the main reason is that Cambodia do not have phone land-base service in most of the provinces, which is often associated with ATMs. Last year, I went there I had more than $5000 US dollars with me, because I worried running of cash and unavailable of ATMs.

#3 exkhmer has been a member since 13/7/2006. Posts: 28

Posted by dv8inpp on 20/7/2006 at 03:10

I always have trouble with plural and possesives, guess I'm lucky I'm not an English teacher. I will follow up on the Sih ATM thanks for that.

#4 dv8inpp has been a member since 11/7/2005. Posts: 4

Posted by exkhmer on 20/7/2006 at 03:57

I am sorry if my post had caused any misunderstandings, I am a Cambodian-English speaker, English is my second language, Khmer is my primary language and proud of it. After all I am the survivor of the Killing Fields and I was 7 years old when it happened. I had grown up in several refugee camps in Thailand, education was secondary to survival. There is a saying in Cambodia: knowledge and beauty are the cause of sadness.

#5 exkhmer has been a member since 13/7/2006. Posts: 28

Posted by exkhmer on 20/7/2006 at 04:06

dv8inpp, great site. I hope I have time on my next trip to stop by your place. Please keep up the good work, Cambodia needs new image and tourism. I am proud to be born as Khmer and my heritage. I am planning to go at least 25 to 30 ancient sites on my next trip: Preah Vihear, Wat Phu, Bokor, Kompong Som, Beng Malea, Phnom Da, and etc. I have several relatives and friends in my hometown, Battambang and other provinces.

#6 exkhmer has been a member since 13/7/2006. Posts: 28

Posted by mihoon on 24/7/2006 at 02:47

Question to #

"Q- Do ATM machines in Cambodia disperse USD?
A- Yes ATM machines disperse US dollars"

Does this mean ATM machines ONLY disperse USD or can one choose for Cambodian Riel as well?


Anne Mieke

#7 mihoon has been a member since 24/7/2006. Posts: 1

Posted by dv8inpp on 24/7/2006 at 03:35

The only disperse USD.

There is apparently an ANZ ATM located in the Caltex in Sihanoukville (town center) and ANZ are building a branch office nearby.

#8 dv8inpp has been a member since 11/7/2005. Posts: 4

Posted by siemreap on 29/7/2006 at 19:35

Dv8inpp: Q: There are now 26 ATM's in PP and 7 in SR, which is strange when you consider that SR get 90% of the tourists:

ATMs are not only for tourists, Cambodians also use ATMs.

Q:Does this mean ATM machines ONLY disperse USD or can one choose for Cambodian Riel as well?

Yes. Yes can withdraw Cambodian Riel as well.

#9 siemreap has been a member since 29/7/2006. Posts: 3

Posted by blynkingoose on 4/8/2006 at 17:50

call me obtuse, call me American, but do these ATM's take Visa? Hear me out- to quote my wonderful state department:
"The only ATM machines in Cambodia require a local account with the bank."
( under the heading "Special Circumastances"
I'm leaving for Cambodia for a week after 4 months in Thailand and I'm not feeling to good about carrying all my cash for the trip in with me- for obvious reasons. Perhaps travelers checks?
the goose

#10 blynkingoose has been a member since 3/8/2006. Posts: 1

Posted by exacto on 4/8/2006 at 22:22


you obtuse American! (per your request...)

hi. don't be too hard on the state department. it is difficult for any website to be 100% up-to-date accurate 100% of the time, particularly in places like Cambodia, which are changing at light speed.

in any case, we were just in Siem Reap and successfully pulled US dollars out of the ANZ Royal ATMs on two occasions. best of all for us (also obtuse Americans), there was no additional ATM fee and no foreign exchange transaction charge. bonus.

it is possible to pull Cambodian Riel out of these ATMs too, but at least at ANZ Royal, that was only an option for people with local accounts (as opposed to dollars, which are available to anyone with an ATM card). then again, there is little reason to get riel from an ATM, since for all practical purposes the US dollar is the currency of Cambodia and you'll only need riel for smaller transactions. you'll likely get enough riel as change or from exchanging a few greenbacks to cover your needs.

do you have a regular ATM card (as opposed to a Visa credit card)? take that with you and you should have no problem pulling dollars out of your checking account back home (the ANZ Royal ATM will refer to your checking account as "current" or similar - a handy fact to know). otherwise, your Visa card with a 4-digit PIN should also work in the ATMs, but you'll likely have to pay a cash advance fee to your bank.

even if the Visa card doesn't work in the ATMs, you can get a cash advance on credit cards at many banks and even a few jewelers and other shops in countries like Laos and Cambodia.

finally, it is always a good idea to have a few travellers checks with you as an emergency back up. if you wind up not needing them, they are easy enough to spend back home. hope this helps. cheers.

#11 exacto has been a member since 12/2/2006. Location: United States. Posts: 2,606
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Posted by cambodiachris on 7/9/2006 at 07:44

Saw in the Cambodia Daily advertisements for ANZ Staff for branches in Kampong Cham and some other smaller centres...and they're in Sihanoukville now...they're taking over!

If you're based in Cambodia and travelling in the region, I'd highly recommend their international debit card -- take out cash in local currencies at almost any ATM around the world, and no fees! (Besides the $55 annual fee, that is -- which pales in comparison to the bank fees you'll pay most places.)

#12 cambodiachris has been a member since 17/4/2006. Posts: 9

Posted by steviej on 7/9/2006 at 15:22

I remember last year in Cusco, Peru, withdrawing $300 from a ATM to pay for the Inca Hike, the machine paid up and I came away with 3 x $100 bills, which isn't too bad except for the fact that one of the bills was considered a forgery by the locals which was somewhat unnerving. The upside was I ended up cashing it in back home, in the UK, which was a great relief.

SO, does this problem occur in SEA.......???


#13 steviej has been a member since 18/3/2006. Location: United Kingdom. Posts: 265
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Posted by marklatham on 7/9/2006 at 17:10

I used the ANZ machines at two different banks in PP and got US dollars-what great service.
I will be switching to the ANZ bank here in perth so my next stay in cambodia will be very comfy.
Good to hear that the ANZ is now established in snookyville.

#14 marklatham has been a member since 25/6/2006. Posts: 18

Posted by sine on 18/10/2007 at 09:36

Posted from within Vietnam.

Hi all - can anyone help me out and let me know what the maximum amount you can withdraw from a single transaction ATM in Cambodia is?

Just been through Thai, Laos, and Vietnam and it's been quite annoying the difference in amounts you can withdraw in one go. ie thai 20,000 baht - which is alot of money, vietnam 2million VND -which is relatively small...

i'm just a bit of a scrooge as with every single transaction we get charged AUS $3.75 - so it adds up when you're counting ya pennies! it's been most annoying here in Vietnam considering 2million dong is about $150AUS! arrhh

many thanks,

#15 sine has been a member since 2/10/2007. Posts: 9

Posted by somtam2000 on 19/10/2007 at 07:29 admin

I'm not sure of the exact amount but think it is around the US$1,200 mark -- should be sufficient!

#16 somtam2000 has been a member since 21/1/2004. Location: Indonesia. Posts: 7,436
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Posted by goo_stewart on 19/10/2007 at 09:24

Just to add to your ATM sightings, there is one in Sisaphon (1st town heading to Siem Reap from Thai border at Poipet). Didn't use it so I can not add to the debate on $ or Riel or limits, but its there and working!

#17 goo_stewart has been a member since 10/10/2007. Posts: 69

Posted by TonyL on 19/10/2007 at 11:20

The maximum amount you can withdraw in $US from an ANZ Royal ATM in Cambodia is $2000 US. The machines can only handle a maximum of 40 notes and for $2000 you will receive 40 x $50 notes.
It is a good idea to then go into the main bank itself and ask to have the notes checked for authenticity as there are a number of forged $50 about.
Having done that ask them to change some of the notes into smaller denominations as $50's are hard to change for smaller general purchases.
Further, if any of the notes are torn or in bad condition do not accept them.

#18 TonyL has been a member since 19/12/2006. Posts: 46

Posted by greys on 19/10/2007 at 17:11

Thought I'd climb on the cash wagon and get my question in:- So does it mean withdrawing cash with a UK HSBC Maestro card is no problem?

#19 greys has been a member since 17/9/2007. Posts: 4

Posted by TonyL on 20/10/2007 at 09:08

Maestro and Cirrus linked cards present no problem at all if you are using ANZ Royal Bank ATMs. I think that you may have some difficulty with other banks machines though. ANZ has ATM's definitely in Phnom Penh, Sihanoukville and Siem Reap as I have used them myself. You may have to take advice about other towns.

#20 TonyL has been a member since 19/12/2006. Posts: 46

Posted by steveatkins on 11/11/2007 at 10:34

Why strange that Phnom Penh has more ATMs than Siem Reap. Are you suggesting ATMs are only for tourists. Bearing in mind Phnom Penh is the capital city, is much larger and has a much larger population that Siem Reap, and is the main business centre for the country i think it is only natural...

#21 steveatkins has been a member since 15/6/2007. Posts: 33

Posted by traveller12345 on 13/6/2008 at 11:06


I was wondering if you could help me. I will be traveling to Cambodia in a week, and I don't know which credit cards I should bring to access money from the ATMs. I was wondering if you knew which credit cards the Phnom Penh ATMs will accept? Specifically, will the ATMs accept my American Express and Visa cards? If not, could you recommend the best card to bring?

If you could get back to me ASAP, I would really appreciate it. I heard that the ATMs don't accept American Express or Visa cards, so I am nervous that I will have to sign up for a new credit card and I won't have enough time.

Thank you for your great website and for your help.

#22 traveller12345 has been a member since 13/6/2008. Posts: 1

Posted by TonyL on 16/6/2008 at 08:06

There is no problem at all with Visa cards but you should have a 4 digit number not a 6 digit one. I can't tell you about AMEX cards as I do not have one; they can however be more restrictive for backpacker type travellers because of their higher fees to merchants.

#23 TonyL has been a member since 19/12/2006. Posts: 46

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