精明储蓄

以最低金额精明地开始您的储蓄计划并享受超越银行服务的福利。

开始每月100美元的储蓄之旅！

特点与优点

两种类型账户：美元或柬币
免费个人意外保险高达10,000美元
免费意外医疗保险高达3,000美元
年利率为0.4%
初始存款为100美元起
柬币账户可额外获得年利率0.25%

精明储蓄精简账户计划

特征	第一年计划	第二年计划
期限	12个月	12个月
自动升级	升级至第二年	12个月后自动关闭
货币	美元/柬币
初始存款	100美元或400,000柬币	1,200美元或4,800,000柬币
基本年利率	美元为2% 柬币为2.25%
每月最低充值额	100美元或400,000柬币
每月最高充值额	从第一月到第十月：无限制最高充值额从第十一月到第十二月：最高充值额等于已设置的最低金额。
额外充值利率	美元为4% 柬币为4.25%
免费保险	个人意外保险高达10,000美元意外医疗保险高达3,000美元
储蓄利率	每日积累将每月利息记入储蓄或往来账户
提前关闭或自动关闭	利率：由精明储蓄精简账户计划所设置的基本利率和适当税收，进行重新计算所有利息（本金和每月充值）。对于已升级至第二年的精明储蓄精简账户，仅重新计算第二年所提供的利息。保险费在余额存入至您的储蓄或往来账户之前将被退还。
提前关闭账户费用	30美元或120,000柬币	50美元或200,000柬币

备注：

额外利率仅适用于具体月份的每月充值额。
每个用户可开设高达99个精明储蓄精简账户。
柬币账户可额外获得年利率0.25%。
利率可根据业务需要不时调整。

必要条件和证明文件：

18至60岁
柬埔寨身份证或护照
或以下任意两项：驾照、户口簿、居住证、出生证明、和尚身份证或政府官员身份证。（必须有您的照片）

Frequently Asked Questions

Clever Savings Builder is a type of fixed deposit account that offers a high interest rate and includes free Personal Accident Insurance Coverage Up to USD 10,000 and Medical Insurance Due to Accident Up to USD 3,000 per case.

Clever Savings Builder has two plans:

Year 1
Year 2

No.	Plan	Initial Deposit Amount
1	Year 1	USD 100 OR KHR 400,000
2	Year 2	USD 1,200 OR KHR 4,800,000

Yes, of course (Highly recommended)

No.	Plan	Basic Interest (p.a.)
1	Year 1	2% for USD OR 2.25% for KHR
2	Year 2	2% for USD OR 2.25% for KHR

No.	Plan	Min. Monthly Top-Up Amount
1	Year 1	USD 100 OR KHR 400,000
2	Year 2	USD 100 OR KHR 400,000

Yes, of course (Highly recommended)

No.	Plan	Additional Interest Rate on Monthly Top Up (p.a.)
1	Year 1	USD 4% OR KHR 4.25%
2	Year 2	USD 4% OR KHR 4.25%

Unlimited

PRINCE Mobile App
Prince Bank Branch

From Month 1 to Month 10: Unlimited top-up amount
From Month 11 to Month 12: Maximum monthly top-up equals the minimum monthly top-up requirement for each plan.

Clever Savings Builder cannot request a credit card.

The Clever Savings Builder allows for early closure before the maturity date.
However, please note that there will be a fee charged for closing the account prematurely. This fee includes:

Re-calculate all interest (principle and monthly top up) by offering Basic Interest rate of Clever Savings Builder in each plan with proper Tax.
Charge admin fee for the insurance for Clever Savings Builder only in active plan

Year 1	Year 2
USD 30	USD 50

Customers are still able to obtain insurance coverage based on the plan they have selected.

NO. (Currently Unavailable)

Personal Accident Insurance coverage will become effective immediately after opening a Clever Savings Builder.
The Insurance will be expired in 1 year (from the account opening date) Ex: Customer opened account on 01-May-2024. It will be effective from 01-May-2024 valid till 30-Apr-2025

Only Clever Savings Builder Account Holder.

Within 15 working days

The customer cannot change the beneficiaries of the insurance coverage.

Beneficiaries up to 18 years old to 65 years old are eligible for insurance coverage.

Customers can contact Forte Insurance Coverage for Detail 023 885 077.

If you get treatment at a Forte Partner Hospital, the required documents are as follows: Your Group Personal Accident Insurance membership card, Your National ID card, Employee card, Passport or an equivalent document, and The Partner Hospital will submit claim documents to Forte directly.
If you get treatment at other licensed hospitals, submit the claim documents to Forte within 30 days (about 4 and a half weeks) of hospital discharge.

超越储蓄!

我们关心不仅您的钱，还有您的健康！

欢迎来到精明储蓄，我们致力于帮助您实现财务目标，同时也照顾您的整体福祉。我们的储蓄账户不仅仅为您提供高利率，还免费医疗保险，为了确保您和您的亲人免受意外医疗费用的困扰。我们对您的财务和健康定下的捉承诺将代表我们与其他银行不同之处。

特点与优点

两种类型账户：美元或者柬币
免费医疗保险高达30,000美元
年利率高达12%
初始存款为1,000美元
柬币账户可额外获得年利率0.25%

精明储蓄计划

特征	白银	黄金	翡翠
期限	12个月	12个月	12个月
自动升级	从第一年至第三年及在第三年关闭	从第二年至第三年及在第三年关闭	12个月后将自动关闭
货币：	美元或柬币	美元或柬币	美元或柬币
初始存款：	1,000 美元 4,000,000 柬币	3,200 美元 12,800,000 柬币	6,500 美元 26,000,000 柬币
基本年利率	美元 2% 柬币 2.25%	美元 2.5% 柬币 2.75%	美元 3% 柬币 3.25%
每月最低充值额	200 美元 800,000 柬币	300 美元 1,200,000 柬币	350 美元 1,400,000 柬币
每月最高充值额	> 从第一月至第十月：无限制最高充值额 > 从第十一月至第十二月：最高充值额等于已设置的最低金额。
额外充值利率	美元 8% 柬币 8.25%	美元 9% 柬币 9.25%	美元 11.75% 柬币 12%
医疗套餐（住院）	5,000 美元	10,000 美元	30,000 美元
储蓄利率	> 每日积累 > 将每月利息记入储蓄或往来账户 > 适用预扣税
提前关闭账户或自动关闭	> 利率：由精明储蓄账户计划所设置的基本利率和适当税收，进行重新计算所有利息。 > 保险费将在剩余余额存入您的往来或储蓄账户之前被退还。
提前关闭账户费用	100 美元 400,000 柬币	150 美元 600,000 柬币	250 美元 1,000,000 柬币

备注：福利套餐以条款及细则为准

必要条件和证明文件

18岁以上
柬埔寨身份证或护照
或以下任意两项：驾照、户口簿、居住证、出生证明、和尚身份证或政府官员身份证。（必须有您的照片）

Frequently Asked Questions

Clever Savings Account is a type of fixed-term deposit account that offers a high interest rate and includes free medical insurance service.

Clever Savings account has three plans

Silver Plan
Gold Plan
Emerald Plan

No.	Plan	Initial Deposit Amount
1	Silver	USD 1,000 OR KHR 4,000,000
2	Gold	USD 3,200 OR KHR 12,800,000
3	Emarald	USD 6,500 OR KHR 26,000,000

Yes, of course (Highly recommended)

No.	Plan	Basic Interest (p.a.)
1	Silver	2% for USD OR 2.25% for KHR
2	Gold	2.5% for USD OR 2.75% for KHR
3	Emarald	3% for USD OR 3.25% for KHR

No.	Plan	Min. Monthly Top-Up Amount
1	Silver	USD 200 OR KHR 800,000
2	Gold	USD 300 OR KHR 1,200,000
3	Emarald	USD 350 OR KHR 1,400,000

Yes, of course (Highly recommended)

No.	Plan	Additional Interest Rate on Monthly Top Up (p.a.)
1	Silver	USD 8% OR KHR 8.25%
2	Gold	USD 9% OR KHR 9.25%
3	Emerald	USD 11.75% OR KHR 12%

Unlimited

PRINCE Mobile App
Prince Bank Branch

From Month 1 to Month 10: Unlimited top-up amount
From Month 11 to Month 12: maximum monthly top-up equals the minimum monthly top-up requirement for each plan.

Clever Savings account cannot request a credit card.

The Clever Savings Account allows for early closure before the maturity date.
However, please note that there will be a fee charged for closing the account prematurely. This fee includes:

The recalculation of the interest rate, where the basic interest rate of each plan, including tax, will be offered back to the customer.
The insurance premium will be refunded to each plan before the remaining balance is credited to the current or savings account. The insurance fee charge includes:

Silver Plan	Gold Plan	Emerald Plan
USD 100 OR KHR 400,000	USD 150 OR KHR 600,000	USD 250 OR KHR 1,000,000

Customers are still able to obtain insurance coverage based on the plan they have selected.

Yes, customer can choose any plan they preferred.

		Silver		Gold		Emerald
Month	Deposit	Amount	USD Rate P.A	Amount	USD Rate P.A	Amount	USD Rate P.A
1	Initial Deposit	USD 1,000	2%	USD 3,200	2.5%	USD 6,500	3%
2	Monthly Top Up	USD 200	8% P.a	USD 300	9% P.a	USD 350	11.75% P.a
3	Monthly Top Up	USD 200	8% P.a	USD 300	9% P.a	USD 350	11.75% P.a
4	Monthly Top Up	USD 200	8% P.a	USD 300	9% P.a	USD 350	11.75% P.a
5	Monthly Top Up	USD 200	8% P.a	USD 300	9% P.a	USD 350	11.75% P.a
6	Monthly Top Up	USD 200	8% P.a	USD 300	9% P.a	USD 350	11.75% P.a
7	Monthly Top Up	USD 200	8% P.a	USD 300	9% P.a	USD 350	11.75% P.a
8	Monthly Top Up	USD 200	8% P.a	USD 300	9% P.a	USD 350	11.75% P.a
9	Monthly Top Up	USD 200	8% P.a	USD 300	9% P.a	USD 350	11.75% P.a
10	Monthly Top Up	USD 200	8% P.a	USD 300	9% P.a	USD 350	11.75% P.a
11	Monthly Top Up	USD 200	8% P.a	USD 300	9% P.a	USD 350	11.75% P.a
12	Monthly Top Up	USD 200	8% P.a	USD 300	9% P.a	USD 350	11.75% P.a
	Total:	USD 3,200		USD 6,500		USD 10,350

Medical insurance coverage will become effective one month after opening a Clever Savings account. However, accidental death or permanent disability will be covered immediately.
If you have a silver plan, your insurance coverage will expire within one year and automatically be upgraded to the next plan in the following year.

Customers can provide insurance coverage to spouses, siblings, or parents who are members of the family book.

The customer cannot change the beneficiaries of the insurance coverage.

Beneficiaries between the ages of 5 and 60 are eligible for insurance coverage.

Customers have the option to obtain insurance coverage in Cambodia, Thailand, Vietnam, Myanmar, Laos, and Malaysia.

We provide insurance coverage for hospital stays that last 6 hours or more.

Customers can contact AIA Customer Service at 086 999 242 for more details.

If you're at an AIA partner hospital, you can make cashless payments by presenting your AIA insurance card;
However, if you're at a non-partner hospital, you'll need to pay upfront and then file a compensation claim through one of the following channels: aiamedcare.aia.com.kh/mb/sign-in, or AIA Telegram Channel "AIA Cambodia" or AIA + Cambodia Mobile App, or by contacting AIA Customer Service at 086 999 242.

1. What is Clever Savings Builder?

2. How many savings plans do Clever Savings Builder offer and what are they?

3. What is the minimum initial deposit amount required for each plan?

4. Is it possible for customers to deposit more than the minimum requirement for each plan?

5. What is the annual basic interest rate for each plan that the customers will receive?

6. What is the minimum monthly top-up amount required for each plan?

7. Is it possible for the customers to add more money to their monthly amount than the minimum requirement?

8. How much is the top-up interest rate (p.a.) that the customers will receive?

9. How frequently can the customers top up their account per month?

10. How can customers top-up money to the account?

11. What is the maximum monthly top-up amount per plan for customers?

12. Does Clever Savings Builder allow customers to request a Credit Card?

13. Is it possible to close the Clever Savings Builder before the maturity date? If so, what is the penalty fee for early closure?

14. How will the insurance conditions change if the Clever Savings Builder is closed early?

15. Can customers choose Clever Savings Builder type as Year 2 before opening Year 1?

16. When will the insurance be effective? And when will it expire?

17. Who is eligible for insurance coverage once a Clever Savings Builder account is opened?

18. How long does it take to issue an insurance E-card?

19. Can I change the name of the insured recipient?

20. What is the maximum age for a person to get insurance coverage?

21. What does insurance coverage cover?

22. What are the Forte partner hospitals?

23. How to claim?

1. What is Clever Savings Account?

2. How many savings plans do Clever Savings Account Plans offer, and what are they?

3. What is the minimum initial deposit amount required for each plan?

4. Is it possible for customers to deposit more than the minimum requirement for each plan?

5. What is the annual basic interest rate for each plan that the customer will receive?

6. What is the minimum monthly top-up amount required for each plan?

7. Is it possible for the customer to add more money to their monthly amount than the minimum requirement?

8. How much is the top-up interest rate (p.a.) that the customer will receive?

9. How frequently can the customer top up their account per month?

10. How can customers top-up money to the account?

11. What is the maximum monthly top-up amount per plan for customers?

12. Does the Clever Savings account allow you to request a Credit Card?

13. Is it possible to close the Clever Savings account before the maturity date? If so, what is the penalty fee for early closure?

14. How will the insurance conditions change if the Clever Savings account is closed early?

15. Can customers choose Clever Savings account type as Gold Plan / Emerald Plan before opening Silver Plan?

16. Demonstrate how to offer interest rate on monthly top up for USD Account:

17. When will the insurance be effective? And when will it expire?

18. Who is eligible for insurance coverage once a Clever Savings account is opened?

19. Can I change the name of the insured recipient?

20. What is the maximum age for a person to get insurance coverage?

21. Is it possible for me to obtain insurance coverage while traveling abroad?

22. Does insurance cover both inpatient and outpatient?

23. What does insurance coverage cover?

24. What are the AIA partner hospitals?

25. How to claim?

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