Products & ServicesCards ACLEDA UPI Card

ACLEDA UPI Card

ACLEDA UPI Card is a secure tool in payment via Internet/POS and cash withdrawal via ATM worldwide.

ACLEDA UPI Card is an electronic plastic card issued by ACLEDA Bank Plc. to allow customers to make withdrawals through any ATM and payments via any POS or Internet throughout Cambodia and around the world where the UnionPay's logo is displayed.

ACLEDA UPI/UnionPay Card is added the most secure technology by requiring to enter One Time Password (OTP)^[1] that is sent to your registered mobile phone number via SMS^[2] when making online payments (e-commerce).

Benefits

Special Offers from UPI Cards

Making withdrawals quickly via any ATM and making all kinds of payments quickly through any POS where the UnionPay's logo is displayed throughout Cambodia and around the world 24 hours a day and 7 days a week;
Conveniently pay for goods or services, booking air tickets or hotel room, etc., over the internet/e-commerce;
Making funds transfers via ACLEDA ATM;
Enjoy peace of mind by not having to carry money;
Efficiency time and safety for cash management and settlements.

How to Apply

Please simply go to ACLEDA Bank's branch near you.
Complete the form provided by the bank staff or can be downloaded from here.
Or you can apply via ACLEDA mobile or this application form.

Requirements

Having an account (savings account, current account or demand deposit account) with ACLEDA Bank.
Majority.
Having a valid identity card, passport, or other valid document.

General Notice

Having logos of ACLEDA Bank Plc. and UnionPay;
Loaded with latest technology based on the EMV to provide stronger security and magnetic stripe on its back;
Having a valid date (good thru). When the card expired, it's no longer use;
ACLEDA UPI Card is "Debit Card". All operations via this card are debited from owner's account.
Having a customer's name.

Fee & Transaction Limit

FEE
TRANSACTION LIMIT

Effective from August 15, 2024

Fee per card (USD)	Standard	Gold
Issuing	Free	Free
Annual fee
Debit card	6	66
Cash withdrawal via ACLEDA ATM in Cambodia
Debit card	Free	Free⁽ⁱ⁾
Top up via ACLEDA ATM	Free	Free
Transfer within ACLEDA Bank via ACLEDA ATM in Cambodia	Free	Free
Cash withdrawal via ACLEDA ATM in Laos	2⁽ⁱⁱ⁾	2⁽ⁱⁱ⁾
Cash withdrawal via other bank's ATM in Cambodia	4	4
Cash advance via other bank's ATM in Cambodia	4	4+0.5%
Cash withdrawal via other bank's ATM/POS overseas	4+1%	4+1%
Card replacement (damage/lost before expired date)	6	6
Refund overseas transaction	2.60%	2.60%

i. Charge 0.05% on surplus amount greater than US$10,000
ii. Charge US$4 for cash withdrawal via ACLEDA ATM in Lao with amount greater than US$6,000 (classic card) and greater than US$10,000 (gold card).
For transactions on other bank's ATM/POS, according to other bank's policy.

*** Some fees above may be subject to exchange rate markup if the transaction is made in different currency.

Limitation per day	Standard	Gold
Transactions via ATM, POS, and e-commerce	25 times	25 times
Cash withdrawal from ACLEDA ATM in Cambodia	USD10,000	USD30,000
Cash withdrawal from ACLEDA ATM in Laos^(I)	USD10,000	USD30,000
Cash withdrawal from other bank's ATM in Cambodia or overseas^(II)	USD10,000	USD30,000
Top up via ACLEDA ATM	Unlimited	Unlimited
Transfer within ACLEDA Bank via ACLEDA ATM in Cambodia	USD2,500 or equivalent	USD2,500 or equivalent
Payment via ACLEDA POS Other bank's POS in Cambodia or overseas	USD10,000	USD30,000
Payment via e-commerce	USD10,000	USD30,000

The Fees and transaction limits in our website are quoted for indication purpose only and subject to variation. Please contact our nearest branch or our Call Center for our services requirements and more information.

Note:

One Time Password (OTP): It is a password used for only one transaction and will be expired within 60 seconds. It does not require to remember. This OTP is required to enter when making online payments.
SMS Token: OTP is generated and sent to your registered mobile phone number. So please contact the Bank to update your phone number if any change.