Remittances

With Sathapana Bank's secured international remittance services, customers can enjoy peace of mind and convenience when sending or receiving funds in different foreign currencies - domestically or internationally, at highly competitive rates. This remittance service is available in all Sathapana Bank branches nationwide.

Domestic

International

Transfer to Local Banks via Bakong

Sathpana Bank account holders can now receive and transfer funds between Sathapana Bank accounts and other local bank accounts via the Bakong system. This function is only available for Bakong bank members only.

I. Feature and Benefits:

24/7 access through Sathapana Mobile/iBanking
Amount Transfer limit/day : 50,000 USD or 200 Millions Riel
Transaction is the real-time after approval
Service fees are as low per transaction

II. Limits and Service Fee:

Limits

Transfer Mode	Single and Daily Limit
Transfer Mode	USD	KHR
Inbound – Other Bank CASA to SPN CASA	Unlimited	Unlimited
Outbound – SPN CASA to Other Bank CASA	USD50,000	KHR200 Million

Service Fee

Transaction Amount		Fee Charge
in KHR	in USD	in KHR	in USD
≤ 2,000,000	≤ 500	2,000	0.50
≤ 4,000,000	≤ 1,000	4,000	1.00
≤ 10,000,000	≤ 2,500	6,000	1.50
≤ 20,000,000	≤ 5,000	20,000	5.00
≤ 40,000,000	≤ 10,000	40,000	10.00
≤ 100,000,000	≤ 25,000	100,000	25.00
≤ 200,000,000	≤ 50,000	200,000	50.00

III. How to send money to other bank account via Sathapana Mobile:

Launch Sathapana Mobile app/iBanking
Select Transfer → To Local Banks via Bakong
Fill sender and receiver account information
Enter transfer amount and confirm transfer
Review transfer information and input password to complete fund transfer.

Fund Transfer to Other Bank via Retail Pay

Sathapana Bank account holders can now easily transfer funds to other local bank accounts via account number or mobile phone number with the Sathapana Mobile app anytime, anywhere - available in US Dollars (USD) and Khmer Riels (KHR). The funds can be withdrawn nationwide at any Sathapana Bank branch or ATM.

Feature	Description
Channel	Sathapana Branches Mobile Banking Internet Banking
Transaction Mode	Transfer from Account at Sathapana to Other Bank Account of Member Retail Pay Transfer from Account at Sathapana to Mobile Number
Daily Transaction Count	Unlimited
Transaction Amount	Transfer to Account at Other Banks	Transfer to Mobile Number
	Up to KHR 200,000,000 or USD 50,000	Up to KHR 4,000,000 or USD 1,000
Service Fee Charge	Transaction Amoount	Fee Charge
	≤ KHR 4 million or ≤ USD 1,000	KHR 3,000 or USD 0.76
	> KHR 4 million – KHR ≤ 20 million or > USD 1,000 – ≤ USD 5,000	KHR 6,000 or USD 1.51
	> KHR 20 million – ≤ KHR 40 million or > USD 5,000 – ≤ USD 10,000	KHR 9,000 or USD 2.31
	> KHR 40 million – ≤ KHR 100 million or > USD 10,000 – ≤ USD 25,000	KHR 12,000 or USD 3.06
	> KHR 100 million – ≤ KHR 200 million or > USD 25,000 – ≤ USD 50,000	KHR 15,000 or USD 3.81
Fee Payer	The fee charge is sender obligation
Cash-Out by Passcode (Transfer to Mobile Number)	Requesting the cash out by passcode at any Sathapana Branches Other Banks’ Branches which are Retail Pay members Free of Charge
Retail Pay Member Bank	For the Retail Pay Member Bank is followed NBC list which currently there are as following: PRASAC MFI Plc., Cambodia Post Bank Plc., Kookmin Bank Cambodia Plc., Canadia Bank Plc., Phnom Penh Commercial Bank, Shinhan Khmer Bank, ACLEDA Bank Plc., Vattanac Bank, LOLC (Cambodia) Plc., Prince Bank Plc., Cambodian Public Bank Plc.

How to Transfer to other bank account via Sathapana Mobile

Click Retail Pay

Enter Password

Click To Account

Select Account Number

Select Bank that is Retail Pay member

Enter the selected Bank account number

Enter Amount

Select Account (KHR/USD)

Click Transfer

Click Next

Inter-branch Fund Transfer

Types of Inter-Branch Transaction	USD	KHR	THB
Cash Deposit	0.10%, Min. USD 1	0.10%, Min. KHR 4,000	0.10%, Min. THB 30
Cash Withdrawal	0.10%, Min. USD 1	0.10%, Min. KHR 4,000	0.10%, Min. THB 30
Title	Text	Text	Text
Account Transfer	0.10%, Min. USD 1	0.10%, Min. KHR 4,000	0.10%, Min. THB 40
Exception For Above Proposed Fees	Cheque-related transactions including deposit and withdrawal between branches Inter branch transfer between branches in Phnom Penh and Kandal Provincial Branch (Takhmao) Inter branch transfer between branches located in the same provincial town or the same province
Transfer From Account To Cash / Cash to Cash	0.10% Min. USD 1	Text0.10% Min. KHR 4,000	0.10% Min. THB 30

Inter-Bank Transfer

Currency	USD	KHR
Outward Transfer
Fee Rate*	0.10%, Min. USD 3	0.10%, Min. KHR 12,000

Currency	USD	KHR
Inward Transfer
Fee Rate*	Free of Charge

FAST Payment

Fast Payment is a fund transfer and payment service (in Khmer Riel) across institutions, which enables customers to receive funds immediately. Customers can make fund transfer or payments more quickly and conveniently with Fast Payment.

Feature	Description
ATM Transactions	Cash Withdrawal
	Interbank Fund Transfer
	Mini Statement
	PIN Change
	Balance Inquiry
CSS Member Banks & MFIs	Banks: ACLEDA, ABA Bank, Cambodia Public Bank, Canadian Bank, Phillip Bank,Sathapana Bank, Bank for Investment and Development of Cambodia Plc, CAMBODIA POST BANK, PLC, ICBC Limited Phnom Penh Branch, ANZ Royal Bank, May Bank Phnom Penh Branch, Cathay United Bank, Phnom Penh Commercial Bank, Union Commercial Bank, SACOMBANK (CAMBODIA) PLC, Cambodia Mekong Bank, KOOKMIN BANK CAMBODIA PLC, Hong Leong Bank (Cambodia) PLC, Cambodian Commercial Bank , Bangkok Bank Co.,Ltd, Vietnam Bank for Agriculture and Rural Development, Cambodia Branch, Cambodia Asia Bank Ltd, Bank of China (Hong Kong) Phnom Penh Branch, Vattanac Bank, First Commercial Bank, Branch of Kasikorn bank Public Company Limited (Phnom Penh), Taiwan Cooperative Bank, Phnom Penh Branch, RHB Indochina Bank Limited, Mega International Commercial Bank Phnom Penh Branch, Booyoung Khmer Bank, BRED Bank (Cambodia) PLC, CIMB Bank Plc, Foreign Trade Bank of Cambodia. MFIs: Hattha Kaksekar Limited, Prasac, AMK, Amret, Kredit, LOLC (Cambodia) PLc and WB Finance
Transaction Currency	KHR
Transaction Limit	Follow Acquirer
Daily Limit	Follow Issuer
Card Type Accepted	ATM, Card or Debit Card

Transaction Types	Fee Charge
Cash Withdrawal	KHR 1,800
Balance Inquiry	KHR 500
Mini Statement
PIN Change

Inter-bank Fund Transfer Fee Charge
Amount in KHR	Fee Charge
≤ KHR 4,000,000	KHR 4,000
≤ KHR 20,000,000	KHR 8,000
≤ KHR 40,000,000	KHR 12,000

International Inward Remittances

Currency	Commission Fee Rate
Currency	USD	KHR
USD	0.05 %, Min. USD 5	Min. KHR 20,000
JPY	0.10 %, Min. JPY 1,000	Min. KHR 40,000
THB	0.10 %, Min THB 400 or USD/KHR Equivalent	Min. KHR 40,000

International Outward Remittances

Currency	Commission Fee		Cable
	RATE		SHA		OURS
	USD	KHR	USD	KHR	USD	KHR
USD	0.15 % Min. USD 15	Min. KHR 60,000	USD 15 or Equivalent to other currencies	KHR 60,000	USD 45 or Equivalent to other currencies	KHR 180,000
JPY	0.20 %, Min. JPY 2,500	Equivalent	N/A	N/A	JPY 3,000 or Equivalent to other currencies	Equivalent
THB	0.20 %, Min. THB 500 or USD/KHR Equivalent	Equivalent	THB 600 or Equivalent to other currencies	Equivalent	THB 1,100 or Equivalent to other currencies	Equivalent
Cancellation Fee: USD 30 or KHR 120,000

International Fund Transfer

Remittance Instruction Details
US Dollar (USD)		Receiving international payments in US Dollar from other countries \| Click here
Japanese Yen (JPY)		Receiving international payments in Japanese Yen (JPY) \| Click here
Thai Baht (THB)		Receiving international payments in Thai Baht (THB) \| Click here
EUR, GBP, AUD, SGD and HKD Via VISA B2B		Receiving international payments in EUR, GBP, AUD, SGD and HKD Via VISA B2B \| Click here

Send funds abroad instantly via Thunes in Sathapana Mobile

Sending money to your loved ones or for your business purposes worldwide has never been easier. With just a few simple taps on your Sathapana Mobile via Thunes, you can instantly send money to the direct receiver’s bank account, receiver’s mobile wallet, or cash pick-up at overseas and over 10 currencies, anywhere, anytime, all at a highly competitive fee rate, and there is no fee at the receiving end.

Why Thunes Money Transfer?
1. Fast and real-time money transfer: Your money will be transferred to the recipient's account instantly.
2. Cheaper with a fixed fee charge: You know exactly how much you will pay with a very competitive fee charge.
3. Quick and convenient: It doesn’t need time-consuming paperwork or branch visit; all you need to do is tapping on Sathapana Mobile.
4. Flexible with three options for transfer: You can choose to transfer money to the recipient's bank account, mobile wallet, or cash pick-up point.

Applicable Countries

Payment Modes

Fee Charges

Japan
Singapore
Thailand
Vietnam
Hong Kong
Malaysia
Luxembourg
UK
Australia
Canada
France
Philippines
Indonesia
Colombia
South Korea

1. Cash Pick-up with Agent: Sender transfers funds from their Sathapana Bank account to the recipient in other countries as cash via Thunes using Sathapana Mobile app. The Receipt can then pick up the funds as cash by going to an agent partner by providing the generated code and phone number.

2. Bank Deposit: Sender transfers funds from their Sathapana Bank account directly into the receiver’s bank account in other countries via Thunes in the Sathapana Mobile app.

3. Wallet Transfer: Senders transfers funds from their Sathapana Bank account directly to the receiver’s wallet in other countries via Thunes using the Sathapana Mobile app.

Sender’s Requirements:
• Sathapana Mobile app
• Sathapana Bank account
• Full KYC account Ready to start your money transfer?

Download Sathapana Mobile today or contact us via our 24/7 hotlines: +855 23 999 010 | +855 81 999 010 | customercare@sathapana.com.kh។