Start your savings plan wisely with a minimal amount and enjoy the benefits that go beyond banking
Start your monthly savings at only $100!
Key Features and Benefits
- Available in two currencies (USD/KHR)
- Free Personal Accident Insurance up to $10,000
- Free Medical Expenses due to Accident Insurance up to $3,000
- Interest rate 4% p.a
- Initial deposit start from $100
- Additional 0.25% p.a. if the account is in KHR
Clever Savings Builder Plan
| Feature | 1st Year Plan | 2nd Year Plan |
|---|---|---|
| Tenure | 12 months | 12 months |
| Auto Upgrade | Continue to 2nd Year | Auto close after 12 months |
| Currency | USD/KHR | |
| Initial Deposit | USD 100 OR KHR 400,000 | USD 1,200 OR KHR 4,800,000 |
| Basic Interest Rate (p.a.) | 2% for USD 2.25% for KHR | |
| Minimum Monthly Top-up | USD 100 OR KHR 400,000 | |
| Maximum Monthly Top-up |
| |
| Bonus Top-up Interest Rate | 4% for USD 4.25% for KHR | |
| Free Insurance Coverage |
| |
| Interest Rate Earned |
| |
| Early Break Term Deposit OR Auto Closure |
| |
| Early Closure Account Fee | USD 30 OR KHR 120,000 | USD 50 OR KHR 200,000 |
Note:
- The Bonus Top-up interest rate is applied only on the amount of Monthly Top-up made in a particular month.
- Each customer can create up to 99 Clever Savings Builder accounts.
- KHR currency earns an additional interest rate of 0.25%.
- The interest rate may be modified from time to time as per business requirements.
Eligibility and Documentation
- 18 years old to 60 years old
- Cambodian National ID or Passport
- Or any two of the following: Driving License, Family Book, Residential Book, Birth Certificate, Monk's Card or Government Official ID (One must have your photo in it.)
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.
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.
BEYOND SAVINGS!
We care not only your MONEY but YOU TOO!
Welcome to Clever Savings, where we are committed to helping you achieve your financial goals while also taking care of your overall well-being. Our Savings account offers more than just high-interest rates; we also provide free medical insurance to ensure that you and your loved ones are protected from unexpected medical expenses. Our commitment to your financial and physical well-being is what sets us apart from other banks.
Key Features and Benefits
- Available in two currencies (USD/KHR)
- Free medical insurance up to $30,000
- Interest rate up to 12% p.a.
- Initial deposit start from $1,000.
- Additional 0.25% p.a. if the account is in KHR
Clever Savings Plan
| Features | Silver | Gold | Emerald |
|---|---|---|---|
| Tenor | 12 months | 12 months | 12 months |
| Auto upgrade | from Year 1 to Year 3 and close at year 3 | from Year 2 to Year 3 and close at year 3 | auto close after 12 months |
| Currency | USD/KHR | USD/KHR | USD/KHR |
| Initial deposit | USD 1,000 KHR 4,000,000 | USD 3,200 KHR 12,800,000 | USD 6,500 KHR 26,000,000 |
| Basic rate (p.a.) | USD 2% KHR 2.25% | USD 2.5% KHR 2.75% | USD 3% KHR 3.25% |
| Min monthly top- up | USD 200 KHR 800,000 | USD 300 KHR 1,200,000 | USD 350 KHR 1,400,000 |
| Max amount of each monthly top- up rate | > From 1 st to 10th Month: No restriction on max amount. > From 11 th to 12th Month: Maximum allowable top up is equal to minimum top up rate of each plan and year. | ||
| Bonus top-up Interest rate | USD 8% KHR 8.25% | USD 9% KHR 9.25% | USD 11.75% KHR 12% |
| Medical care package (in-patient) | USD 5,000 | USD 10,000 | USD 30,000 |
| Interest rate earned | > Accrued Daily > Credit monthly interest to the CASA account. > WHT is applied | ||
| Early break TD or auto closure | > Interest Rate: re-calculate all interest by offering Basic Interest rate following each Clever Saving account plan with proper Tax. > Insurance Premiums will be chargeback before releasing the remaining balance into your saving or current account. | ||
| Early closure account Fee | USD 100 KHR 400,000 | USD 150 KHR 600,000 | USD 250 KHR 1,000,000 |
Note: The rewards package is subject to the details of T&C.
Eligibility and Documentation
- 18 years old to 60 years old
- Cambodian National ID or Passport
- Or any two of the following: Driving License, Family Book, Residential Book, Birth Certificate, Monk's Card or Government Official ID (One must have your photo in it.)
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.
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.