Individual Term Deposit Account

About Product

A saving account that offers a high interest rate to individual customers who wish to save their money and earn attractive returns over a specific period of time.

Customers can choose to withdraw the interest earned either at the end of each month or upon the maturity date.

Key Benefits

High & Secure Return

Enjoy fixed guaranteed interest rate for selected term.

Flexible Tenure

Choose between 1–36 months based on saving goals.

Interest Payment Choice

Option to receive interest end of month or on maturity date.

Product Attribute

Description

Currency

KHR/USD

Annual Interest Rate

Please see the table Interest Rate

Term

1 to 36 months

Initial Deposit

KHR100,000/ USD25

Account Ownership

Certificate of Fixed Term Deposit

Withholding Tax

6% for resident 14% for non-resident

Account Opening

AMK Branches during business hours
AMK’s Staff during business hours
AMK Mobile Banking

Withdrawal Condition

Withdrawal on maturity date or closure account

Benefits

Fee Charge

Free of charge on account opening or closing
KHR8,000/USD2 for new issuance of ATM Card or account ownership if lost

Interest Rate at Maturity

KHR

USD

Term

Standard Rate

Special Rate

Total Rate

Standard Rate

Special Offer

Total Rate

1 - 2 months

KHR

Standard Rate: 3.00%

Special Offer: –

Total Rate: 3.00%

3.00%

USD

Standard Rate: 2.50%

Special Offer: –

Total Rate: 2.50%

–

3.00%

2.50%

–

2.50%

3 months

KHR

Standard Rate: 3.25%

Special Offer: –

Total Rate: 3.25%

3.25%

USD

Standard Rate: 3.00%

Special Offer: –

Total Rate: 3.00%

–

3.25%

3.00%

–

3.00%

4 months

KHR

Standard Rate: 3.35%

Special Offer: –

Total Rate: 3.35%

3.35%

USD

Standard Rate: 3.10%

Special Offer: –

Total Rate: 3.10%

–

3.35%

3.10%

–

3.10%

5 months

KHR

Standard Rate: 3.45%

Special Offer: –

Total Rate: 3.45%

3.45%

USD

Standard Rate: 3.20%

Special Offer: –

Total Rate: 3.20%

–

3.45%

3.20%

–

3.20%

6 months

KHR

Standard Rate: 4.25%

Special Offer: –

Total Rate: 4.25%

4.25%

USD

Standard Rate: 4.00%

Special Offer: –

Total Rate: 4.00%

–

4.25%

4.00%

–

4.00%

7 months

KHR

Standard Rate: 4.35%

Special Offer: –

Total Rate: 4.35%

4.35%

USD

Standard Rate: 4.10%

Special Offer: –

Total Rate: 4.10%

–

4.35%

4.10%

–

4.10%

8 months

KHR

Standard Rate: 4.45%

Special Offer: –

Total Rate: 4.45%

4.45%

USD

Standard Rate: 4.20%

Special Offer: –

Total Rate: 4.20%

–

4.45%

4.20%

–

4.20%

9 months

KHR

Standard Rate: 4.50%

Special Offer: –

Total Rate: 4.50%

4.50%

USD

Standard Rate: 4.25%

Special Offer: –

Total Rate: 4.25%

–

4.50%

4.25%

–

4.25%

10 months

KHR

Standard Rate: 4.60%

Special Offer: –

Total Rate: 4.60%

4.60%

USD

Standard Rate: 4.35%

Special Offer: –

Total Rate: 4.35%

–

4.60%

4.35%

–

4.35%

11 months

KHR

Standard Rate: 4.70%

Special Offer: –

Total Rate: 4.70%

4.70%

USD

Standard Rate: 4.45%

Special Offer: –

Total Rate: 4.45%

–

4.70%

4.45%

–

4.45%

12 months (*)

KHR

Standard Rate: 5.25%

Special Offer: 0.5%

Total Rate: 5.75%

5.25%

USD

Standard Rate: 5.00%

Special Offer: 0.5%

Total Rate: 5.50%

0.5%

5.75%

5.00%

0.5%

5.50%

18 months

KHR

Standard Rate: 5.25%

Special Offer: 0.5%

Total Rate: 5.75%

5.25%

USD

Standard Rate: 5.00%

Special Offer: 0.5%

Total Rate: 5.50%

0.5%

5.75%

5.00%

0.5%

5.50%

24 months

KHR

Standard Rate: 5.75%

Special Offer: 0.5%

Total Rate: 6.25%

5.75%

USD

Standard Rate: 5.25%

Special Offer: 0.5%

Total Rate: 5.75%

0.5%

6.25%

5.25%

0.5%

5.75%

36 months

KHR

Standard Rate: 6.00%

Special Offer: 0.5%

Total Rate: 6.50%

6.00%

USD

Standard Rate: 5.50%

Special Offer: 0.5%

Total Rate: 6.00%

0.5%

6.50%

5.50%

0.5%

6.00%

Monthly Interest Rate

KHR

USD

Term

Standard Rate

Special Offer

Total Rate

Standard Rate

Special Offer

Total Rate

1 - 2 months

KHR

Standard Rate: 3.00%

Special Offer: –

Total Rate: 3.00%

3.00%

USD

Standard Rate: 2.50%

Special Offer: –

Total Rate: 2.50%

–

3.00%

2.50%

–

2.50%

3 months

KHR

Standard Rate: 3.00%

Special Offer: –

Total Rate: 3.00%

3.00%

USD

Standard Rate: 2.75%

Special Offer: –

Total Rate: 2.75%

–

3.00%

2.75%

–

2.75%

4 months

KHR

Standard Rate: 3.10%

Special Offer: –

Total Rate: 3.10%

3.10%

USD

Standard Rate: 2.85%

Special Offer: –

Total Rate: 2.85%

–

3.10%

2.85%

–

2.85%

5 months

KHR

Standard Rate: 3.20%

Special Offer: –

Total Rate: 3.20%

3.20%

USD

Standard Rate: 2.95%

Special Offer: –

Total Rate: 2.95%

–

KHR: 3.00%

USD: 2.50%

3.20%

2.95%

–

2.95%

6 months

KHR

Standard Rate: 4.00%

Special Offer: –

Total Rate: 4.00%

4.00%

USD

Standard Rate: 3.75%

Special Offer: –

Total Rate: 3.75%

–

4.00%

3.75%

–

3.75%

7 months

KHR

Standard Rate: 4.10%

Special Offer: –

Total Rate: 4.10%

4.10%

USD

Standard Rate: 3.85%

Special Offer: –

Total Rate: 3.85%

–

4.10%

3.85%

–

3.85%

8 months

KHR

Standard Rate: 4.20%

Special Offer: –

Total Rate: 4.20%

4.20%

USD

Standard Rate: 3.95%

Special Offer: –

Total Rate: 3.95%

–

4.20%

3.95%

–

3.95%

9 months

KHR

Standard Rate: 4.25%

Special Offer: –

Total Rate: 4.25%

4.25%

USD

Standard Rate: 4.00%

Special Offer: –

Total Rate: 4.00%

–

4.25%

4.00%

–

4.00%

10 months

KHR

Standard Rate: 4.35%

Special Offer: –

Total Rate: 4.35%

4.35%

USD

Standard Rate: 4.10%

Special Offer: –

Total Rate: 4.10%

–

4.35%

4.10%

–

4.10%

11 months

KHR

Standard Rate: 4.45%

Special Offer: –

Total Rate: 4.45%

4.45%

USD

Standard Rate: 4.20%

Special Offer: –

Total Rate: 4.20%

–

4.45%

4.20%

–

4.20%

12 months (*)

KHR

Standard Rate: 5.00%

Special Offer: 0.5%

Total Rate: 5.50%

5.00%

USD

Standard Rate: 4.75%

Special Offer: 0.5%

Total Rate: 5.25%

0.5%

5.50%

4.75%

0.5%

5.25%

18 months

KHR

Standard Rate: 5.00%

Special Offer: 0.5%

Total Rate: 5.50%

5.00%

USD

Standard Rate: 4.75%

Special Offer: 0.5%

Total Rate: 5.25%

0.5%

5.50%

4.75%

0.5%

5.25%

24 months

KHR

Standard Rate: 5.50%

Special Offer: 0.5%

Total Rate: 6.00%

5.50%

USD

Standard Rate: 5.00%

Special Offer: 0.5%

Total Rate: 5.50%

0.5%

6.00%

5.00%

0.5%

5.50%

36 months

KHR

Standard Rate: 5.50%

Special Offer: 0.5%

Total Rate: 6.00%

5.50%

USD

Standard Rate: 5.00%

Special Offer: 0.5%

Total Rate: 5.50%

0.5%

6.00%

5.00%

0.5%

5.50%

Requirements

Customer (Resident/ Non-Resident) whose age from 18 years’ old
Original and valid identification documents such as National ID Card/ Passport/ Family Book/ Identity document issued by an official authority and other relevant documents as requested

Contact us

023 220 202 or 1800 200 200 (No Fee Charge).

Chat with our staff

Create Selfie Banking Now via AMK Mobile

Terms and Conditions

By submitting this form you agree to our Privacy Policy. Optimum may contact you via email or phone for scheduling or marketing purposes.

Product Attribute

Description

Currency

KHR/USD

Annual Interest Rate

Please see table below

Term

1 to 36 months

Initial Deposit

KHR100,000/ USD25

Account Ownership

Certificate of Fixed Term Deposit

Withholding Tax

6% for resident 14% for non-resident

Account Opening

AMK Branches during business hours
AMK’s Staff during business hours
AMK Mobile Banking

Withdrawal Condition

Withdrawal on maturity date or closure account

Interest Payment

Interest is accrued daily based on ending balance end of day and paid automatically into account at the end of each month.

Benefits

Fee Charge

Free of charge on account opening or closing
KHR8,000/USD2 for new issuance of ATM Card or account ownership if lost

Interest Rate at Maturity

KHR				USD
Term	Standard Rate	Special Rate	Total Rate	Standard Rate	Special Offer	Total Rate
1 - 2 months	3.00%	-	3.00%	2.50%	-	2.50%
3 months	3.25%	-	3.25%	3.00%	-	3.00%
4 months	3.35%	-	3.35%	3.10%	-	3.10%
5 months	3.45%	-	3.45%	3.20%	-	3.20%
6 months	4.25%	-	4.25%	4.00%	-	4.00%
7 months	4.35%	-	4.35%	4.10%	-	4.10%
8 months	4.45%	-	4.45%	4.20%	-	4.20%
9 months	4.50%	-	4.50%	4.25%	-	4.25%
10 months	4.60%	-	4.60%	4.35%	-	4.35%
11 months	4.70%	-	4.70%	4.45%	-	4.45%
12 months (*)	5.25%	0.5%	5.75%	5.00%	0.5%	5.50%
18 months	5.25%	0.5%	5.75%	5.00%	0.5%	5.50%
24 months	5.75%	0.5%	6.25%	5.25%	0.5%	5.75%
36 months	6.00%	0.5%	6.50%	5.50%	0.5%	6.00%

Monthly Interest Rate

KHR				USD
Term	Standard Rate	Special Offer	Total Rate	Standard Rate	Special Offer	Total Rate
1 - 2 months	3.00%	-	3.00%	2.50%	-	2.50%
3 months	3.00%	-	3.00%	2.75%	-	2.75%
4 months	3.10%	-	3.10%	2.85%	-	2.85%
5 months	3.20%	-	3.20%	2.95%	-	2.95%
6 months	4.00%	-	4.00%	3.75%	-	3.75%
7 months	4.10%	-	4.10%	3.85%	-	3.85%
8 months	4.20%	-	4.20%	3.95%	-	3.95%
9 months	4.25%	-	4.25%	4.00%	-	4.00%
10 months	4.35%	-	4.35%	4.10%	-	4.10%
11 months	4.45%	-	4.45%	4.20%	-	4.20%
12 months (*)	5.00%	0.5%	5.50%	4.75%	0.5%	5.25%
18 months	5.00%	0.5%	5.50%	4.75%	0.5%	5.25%
24 months	5.50%	0.5%	6.00%	5.00%	0.5%	5.50%
36 months	5.50%	0.5%	6.00%	5.00%	0.5%	5.50%

Requirements

Customer (Resident/ Non-Resident) whose age from 18 years’ old
Original and valid identification documents such as National ID Card/ Passport/ Family Book/ Identity document issued by an official authority and other relevant documents as requested

Contact us

023 220 202 or 1800 200 200 (No Fee Charge).

Chat with our staff

Create Selfie Banking Now via AMK Mobile

Terms and Conditions

By submitting this form you agree to our Privacy Policy. Optimum may contact you via email or phone for scheduling or marketing purposes.

(*) To celebrate AMK becoming a commercial bank, all customers will receive an additional 0.5% interest rate on top of the standard rate when opening an individual term deposit, with a term of 12 – 36 months starting from March 17th until April 30th, 2026. Customers can open an account via AMK Mobile or at 143 branches nationwide.