Bakong Payment System is a real time inter-bank fund transfer to facilitate transfer of funds:

  • Scan and pay via KHQR
  • Interbank Funds Transfer
    - Between Bank Deposit Account 
    - Between Bakong e-wallet 
    - Between a Bank Deposit Account and a Bakong Account/e-wallet and vice-versa

Maximum Limit under Bakong Payment System 

           Type                                  Maximum Limit (Outward)                 
Top-up to Bakong Account/e-wallet 
USD50,000 and KHR200,000,000 per day.
(Unlimited number of transactions)
Payment to local Bank/MFI Deposit account
Bakong Retail - Real Time 
  • USD50,000 or equivalent to KHR200,000,000 per day.
 
Bakong Large Value (BKLV) - Real Time
  • From USD50,000 to USD100,000 or equivalent to KHR200,000,000 to KHR400,000,000 per transaction.
  • Subject to USD100,000 or equivalent  to KHR400,000,000 per day.
 
BKLV - Defer - Fund will be credited on the next settlement (Credit Remittance)
  • From USD50,000 or equivalent to KHR200,000,000 to unlimited per transaction/per day. 

Cash Withdrawal
USD10,000 and KHR40,000,000 per day.
(Unlimited number of transactions)

1. Service Charge for Top up of Bakong Account (Wallet)

Tier No.           Transaction Amount in KHR Service Charge
1 Up to KHR200,000 Free of charge
2 Above KHR200,000 to KHR2,000,000 KHR2,000
3 Above KHR2,000,000 to KHR6,000,000 KHR4,000
4 Above KHR6,000,000 to KHR20,000,000 KHR6,000
5 Above KHR20,000,000 to KHR40,000,000 KHR9,000
6 Above KHR40,000,000 to KHR100,000,000 KHR12,000
7 Above KHR100,000,000 to KHR199,999,900   KHR15,000
Tier No.           Transaction Amount in USD Service Charge
1 Up to USD50 Free of charge
2 Above USD50 to USD500 USD0.50
3 Above USD500 to USD1,500 USD1.00
4 Above USD1,500 to USD5,000 USD1.50
5 Above USD5,000 to USD10,000 USD2.25
6 Above USD10,000 to USD25,000 USD3.00
7 Above USD25,000 to USD49,999.99                     USD3.75

2. Service Charge for Bakong Transfer to Other Bank CASA (Bakong Retail - Real Time)

Tier No.           Transaction Amount in KHR Service Charge
1 Up to KHR200,000 Free of charge
2 Above KHR200,000 to KHR2,000,000 KHR2,000
3 Above KHR2,000,000 to KHR6,000,000 KHR4,000
4 Above KHR6,000,000 to KHR20,000,000 KHR6,000
5 Above KHR20,000,000 to KHR40,000,000 KHR9,000
6 Above KHR40,000,000 to KHR100,000,000 KHR12,000
7 Above KHR100,000,000 to KHR199,999,900 KHR15,000
Tier No.           Transaction Amount in USD Service Charge
1 Up to USD50 Free of charge
2 Above USD50 to USD500                      USD0.50
3 Above USD500 to USD1,500 USD1.00
4 Above USD1,500 to USD5,000 USD1.50
5 Above USD5,000 to USD10,000 USD2.25
6 Above USD10,00 to USD25,000 USD3.00
7 Above USD25,000 to USD49,999.99                   USD3.75

3.Service Charge for Bakong Transfer to Other Bank CASA (Bakong Large Value - Real Time) 

Tier No.  Transaction Amount in KHR Service Charge
1 From KHR200,000,000 to KHR400,000,000 Waived until further notice
Tier No. Transaction Amount in USD Service Charge
1 From USD50,000 to USD100,000 Waived until further notice

4. Service Charge for Bakong Transfer to Other Bank CASA (Bakong Large Value - Defer - Credit Remittance)

Tier No.           Transaction Amount in KHR Service Charge
1 From KHR200,000,000 to unlimited 0.05% of the transaction amount
Tier No.           Transaction Amount in USD Service Charge
1 From USD50,000 to unlimited 0.05% of the transaction amount