Offshore Bank Account. Your private bridge between Crypto and USD.

• Tax Advice: We are not tax advisors. It is the client’s sole responsibility to understand and comply with all tax obligations in their respective jurisdiction.

• Post-Opening Liability: Our service concludes upon the successful opening of the account. We are not responsible for subsequent management, including potential fund freezes due to misuse or any other eventuality (though none of our clients have experienced account blocks).

• Account Management: Once the account is in your name, its administration, transactions, and security are entirely your responsibility. We do not manage client accounts.

Our account opening service is designed for international clients and is managed entirely remotely, requiring no residency or travel to Cambodia.

However, in strict compliance with FATCA regulations, Cambodian banks cannot provide services to United States citizens. Therefore, US citizens are the only nationality excluded from our process.

Our fee for the comprehensive account opening service is $590 USD. This amount is paid upfront via USDT or other major cryptocurrencies and covers not only the full setup process but also any subsequent support you may need.

Regarding maintenance costs, the physical card associated with your account is free of fees for the first two years. Starting from the third year, an annual renewal fee of approximately $15 USD applies.

Finally, international card delivery is handled via courier (DHL), which incurs an additional cost of approximately $70 USD. The final amount will be confirmed based on the destination country.

The estimated timeframe for processing and opening the account is 3 to 5 business days.

Once the account is fully operational, the physical card (VISA or Mastercard) is issued and shipped via DHL international courier. Delivery time is estimated between one and two weeks, depending on the recipient’s location.

To offer an agile and friction-free onboarding process, KYC requirements are limited to the essentials.

Identity validation is completed exclusively with a passport photo and a selfie via the banking app. This simplified approach eliminates the need for any additional documentation, such as proof of income or professional activity.

Yes, our crypto top-up service allows you to send USDT and other cryptocurrencies and receive USD in your account almost instantly, with an exchange fee of 2% to 3% (variable, but never exceeding 3%).

Cambodia is a non-signatory jurisdiction to the Common Reporting Standard (CRS).

Consequently, financial information for accounts domiciled in the country is not subject to automatic reporting to any foreign tax authority. This regulatory framework guarantees the highest level of confidentiality and privacy for the account holder.

Cambodia’s adherence to the CRS framework is not currently on the political or legislative agenda (as of January 2026).

Even if the government were to consider future alignment with this standard, the accession protocol is a multi-phase process that would take considerable time. This roadmap would sequentially involve a formal declaration of intent, the signing of the multilateral agreement, and finally, the complex transposition into national law for effective implementation.

Based on the experience of other jurisdictions that have completed this transition, the projected timeline from a declaration of intent to the first effective exchange of information would be, at a minimum, five years.

Currently, the Cambodian banking system does not have a state-backed Deposit Guarantee Scheme (DGS). While the creation of such a mechanism has been analyzed, its implementation has not yet materialized.

Consequently, there is no sovereign guarantee automatically backing deposits in the event of insolvency. Fund recovery would depend on the bank’s liquidation process and, fundamentally, on the strength of its own balance sheet.

Strength Factors of the Cambodian Banking System

Despite the absence of a DGS, the sector’s stability is built upon the following regulatory and structural pillars:

1. Strict Capital and Liquidity Requirements

The National Bank of Cambodia (NBC) imposes capitalization ratios and mandatory reserve requirements on financial institutions that are considerably more demanding than standards applied in many Western jurisdictions. These reserves—which for savings accounts can reach 8% for KHR deposits and 12.5% for USD deposits—act as a fundamental safeguard for the system’s liquidity and solvency.

2. Rigorous Prudential Supervision

The NBC maintains a strict supervisory framework, conducting regular audits and inspections to ensure regulatory compliance. The process for obtaining a banking license is exceptionally stringent, resulting in a sector dominated by subsidiaries of reputable international financial conglomerates (e.g., Maybank of Malaysia, Bangkok Bank of Thailand, OCBC of Singapore, or the owner of ABA Bank, among others). This international presence adds an extra layer of governance and strength.

3. Track Record of Stability and Growth

The Cambodian banking sector has demonstrated remarkable resilience. Over the last two decades, no systemically important bank has been liquidated. The system has exhibited robust and sustained growth in both assets and profitability, reflecting its operational stability and depositor confidence.

Conclusion

While the absence of a DGS is a factor to consider, the combination of strict prudential regulation, high capital requirements, and the presence of robust international banking players creates a stable financial ecosystem. Our experience, overseeing a significant volume of client accounts, corroborates this stability, with zero incidents recorded to date.

We offer full support in English or Spanish.

Our service is exclusively limited to the opening of the bank account.

However, we remain available to assist you afterwards should you have any questions related to the use of the account.

The daily withdrawal limit is up to $10,000 USD.

Withdrawals can be made via VISA or Mastercard at any ATM worldwide.

Fees may apply depending on the country or the ATM operator.