Cambodia is a Southeast Asian nation defined by its low-lying plains, the Mekong Delta, and a rich cultural heritage centered on the Angkor Wat temple complex. Its capital, Phnom Penh, is a rapidly modernizing metropolis. With a population of approximately 17 million in 2026, the economy is driven by garment manufacturing, tourism, and a maturing light industrial base. Major exports include apparel, footwear, electronics, and agricultural products, supported by a digital-first banking sector and strong trade links across Asia and Europe.
Money Transfer Locations
Western Union
Western Union maintains over 1,200 agent locations in Cambodia, primarily through long-standing partnerships with ACLEDA Bank and ABA Bank.
- Phnom Penh – Monivong Blvd, Riverside, Boeung Keng Kang (BKK), and Sen Sok
- Siem Reap – Pub Street area and Charles de Gaulle Blvd
- Sihanoukville (Preah Sihanouk) – Ekareach Street and Autonomous Port area
- Battambang – Town Centre and near the Sangkae River
- Kampong Cham – Main Market area
- Poipet – Border crossing hub
- Bavet – Svay Rieng border district
- Kampot – Durian Roundabout area
- Kep – Crab Market area
- Takhmau – Near the Kandal provincial border
MoneyGram
MoneyGram is widely accessible through its strategic partnership with SBI LY HOUR Bank and Wing Bank, covering all 25 provinces.
- Phnom Penh – Toul Kork and Russian Market (Phsar Toul Tom Poung)
- Siem Reap – Near the Angkor Night Market
- Kuala Belait – Town Centre
- Kampong Chhnang – Main Square
- Preah Vihear – Near the temple district
- Banlung (Ratanakiri) – Central Market
- Sen Monorom (Mondulkiri) – High Street
- Koh Kong – Near the Thai border bridge
Ria Money Transfer
Ria services are heavily integrated with Canadia Bank and AMK Microfinance, providing extensive reach into rural districts.
- Phnom Penh – Vattanac Capital Tower area and Olympic Market
- Siem Reap – National Road 6 corridor
- Pursat – Town Centre
- Prey Veng – Main Market
- Steung Treng – Near the Mekong crossing
- Kratié – Riverside district
Major Bank & Digital Partners
In 2026, Cambodia is a leader in digital remittances; many transfers are instantly settled via mobile apps or “Bakong” (the national blockchain payment system):
- ABA Bank (The nation’s largest commercial bank)
- ACLEDA Bank (Widest physical branch network)
- Wing Bank (Leader in mobile money and rural remittances)
- Canadia Bank (Preferred partner for industrial hubs)
- KB PRASAC Bank (Major retail and microfinance network)
- SBI LY HOUR Bank (Primary MoneyGram partner)
- Sathapana Bank
- AMK Microfinance Institution (Extensive rural presence)
Frequently Asked Questions
How can I send money to the Philippines from Cambodia?
You can send money home to the Philippines from Cambodia through licensed remittance providers such as Western Union, MoneyGram, Ria, Wise, Remitly, and PNB Remittance. Major Philippine banks (BDO, BPI, Metrobank, Landbank) accept inbound transfers via SWIFT and partner corridors, and digital wallets like GCash and Maya support direct cash-in from many providers in Cambodia.
How long does a remittance from Cambodia to the Philippines take?
Most digital transfers from Cambodia to the Philippines arrive within minutes for cash pickup and 1–2 business days for bank deposit to BDO, BPI, Metrobank, Landbank and other Philippine banks. Bank-to-bank SWIFT wires can take 2–4 business days. Weekend transfers usually post on the next Philippine banking day.
What ID does my family in the Philippines need to receive the money?
Recipients in the Philippines must present a valid government-issued photo ID (PhilSys/National ID, passport, driver's licence, UMID, or PRC ID), the sender's full name in Cambodia, the exact amount, and the reference/MTCN number. Some providers also require the recipient's mobile number for OTP verification.
Which providers offer the best exchange rate from Cambodia to the Philippines?
Rates change daily, but Wise, Remitly, and Ria typically post mid-market or near-mid-market PHP rates from Cambodia, while Western Union and MoneyGram trade rate for wider Philippine cash-pickup networks. Always compare the all-in cost (fee + FX margin) on each provider's quote before sending — savings of 2–4% are common on OFW corridors.
Is it safe to send remittances from Cambodia to the Philippines in 2026?
Yes — sending money from Cambodia to the Philippines is safe when you use a provider licensed in Cambodia on the sending side and a BSP-registered receiving agent in the Philippines. Verify your recipient's full legal name as printed on their ID, share the reference number privately, and avoid social-media middlemen. Report any issues to your local financial regulator in Cambodia and to the BSP Consumer Affairs Group for the Philippine end.