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ACLEDA Unity ToanChet

Download ACLEDA Unity ToanChet from:

ACLEDA Unity ToanChet Demo

ACLEDA Unity ToanChet is a FinTech Application running on Smart Phone, enabling customers to do banking transactions from anywhere, anytime.

Your ACLEDA Unity ToanChet will be imposed fee charge USD 0.50 (Fifty Cent) or KHR2,000 per month, starting from July 2, 2018 onwards. You can do all types of transactions via ACLEDA Unity ToanChet for FREE.


  • Be convenient, fast and highly secure in making banking transactions via ACLEDA Unity ToanChet.
  • Reduce cost and save time by not going to the Bank.
  • Be able to view account information and make fund transfer, payment, mobile top up or payment of goods and services via QR Code anytime and anywhere by using personal mobile.
  • Decrease risk of carrying physical cash along for making payment as well as risk of cash surplus, shortage, counterfeit, etc., while counting money.
  • Be able to view some information about ACLEDA Bank Plc. such as Locate Us (branch locator, ATM and POS network), Exchange Rate, Promotion, FAQs, Security Tip, Help, News, etc.
  • Have an opportunity to use the other products and services of ACLEDA Bank Plc.
  • Get special offers from our partners.

Banking Services to be Operated

  • Balance enquiry and mini statement
  • Own account funds transfer (ToanChet account and bank account)
    • From ToanChet account to ToanChet account
    • From ToanChet account to bank account
    • From bank account to ToanChet account
    • From bank account to bank account
  • Funds transfer from ACLEDA ToanChet account to other ACLEDA ToanChet account or to mobile number
  • Fund transfer to bank account
    • From ToanChet account to bank account
    • From bank account to bank account
  • Cash deposit to ACLEDA ToanChet account at
  • Cash withdrawal from ACLEDA ToanChet account, bank account linked with ACLEDA ToanChet, or unregistered mobile number at
  • Bill payment (electricity, water, phone, internet, school, etc.)
  • ToanChet Payments & P2P via My ToanChet Code
  • Mobile phone top up
  • Other services
Bank account which already linked with ACLEDA Unity ToanChet cannot make ToanChet payment (QR payment) and top up.

Mobile Phone Type

Almost all kinds of smart phones running iOS or Android can be connected with ACLEDA Unity ToanChet service. For who receive transferred money via this service can use any kinds of mobile phone.


  • Two currencies which are Khmer Riel and US Dollar are available for ACLEDA Unity ToanChet service.
  • If there is any transaction made in another currency beside account's currency, that currency will be automatically converted to be the same as account's currency according to the exchange rate of ACLEDA Bank Plc.

Customer's Qualification for ACLEDA Unity ToanChet

  • Be adults age 18 and older.
  • Have a mobile phone running iOS or Android and phone number.
  • Have an identification document such as Cambodian identity card, family book, passport (which has at least 3 months of validity), or monk's identification document with photo.
  • Agree with and be responsible for all the terms and conditions of ACLEDA Unity ToanChet.

Registration for ACLEDA Unity ToanChet

  • Self-Registration
    • You can register for ACLEDA Unity ToanChet by downloading and installing it from App Store (iOS) or Play Store (Android).
    • After installing, open the application and then choose "Register".
    • Complete information in each step properly and clearly including your phone number and name, sex, date of birth, type of identification document, permanent address; and take a real selfie with holding an identity card.
  • Registration at ACLEDA Bank
    • If you cannot download and install ACLEDA Unity ToanChet application, please go to ACLEDA Bank.
    • Bringing a smart phone running Android or iOS and phone number.
    • Providing an identity card, family record book, passport (which has at least 3 months of validity), or monk's identification document with photo.
  • Registration for ACLEDA Unity ToanChet's Partner to collect fees of goods and service via QR Code.
    • Please go to ACLEDA Bank's branch.
    • Filling application form for ACLEDA Unity ToanChet's Partner.
    • Providing an identity card, passport, or any identification document attached by partner's photo.
    • Having a precise address in the operation area of ACLEDA Bank.

Cash Deposit and Withdrawal of ACLEDA ToanChet Account

  • Cash Deposit at Bank Counter
    Please bring your smart phone and phone number connected ACLEDA Unity ToanChet to the Bank to deposit cash into ACLEDA ToanChet account. You will receive an SMS, which confirm the deposit amount, in your phone.
  • Cash Withdrawal at Bank Counter
    You can withdraw cash from ACLEDA ToanChet account or withdraw cash transferred by phone number either at the ACLEDA Bank's office. Please provide:
    • Mobile phone number or ACLEDA ToanChet account number
    • Withdrawal amount
    • Gold code or ACLEDA ToanChet's PIN (gold code is used to withdraw cash transferred by mobile phone number and PIN is used to withdraw cash form ACLEDA ToanChet account.)
    • One Time Password (OTP) will be sent via SMS to your mobile phone to confirm the transaction.

Safe and Security Conditions

  • Do not record PIN on any object but memorize it for convenient use.
  • Do not let your PIN to be known or seen when using it; make sure that no one watches while entering this PIN.
  • Do not connect or download application/program from unknown sources.
  • Always check mobile phone. If any unknown application is found, immediately close and delete it in order to avoid virus or hacker, and/or take it to the phone service center.
  • Do not leave mobile phone unattended and unlocked.
  • Log off the ACLEDA Unity ToanChet application after completing transaction.
  • Change your PIN frequently.
  • If you enter the incorrect PIN 3 times, your ACLEDA Unity ToanChet will be locked.
    • In such case, you have to reset your PIN in "Settings" menu.
    • Select "Forget PIN".
    • Fill the requirement information accurately.
    • Then you will receive a new PIN.
  • You have to keep your registered phone at a safe place. If that phone is lost or damaged, please inform the Bank to block account or technically take action to prevent transaction fraud.
  • In the case you sell or give your phone to another person, please delete the ACLEDA Unity ToanChet application from it.

User Manual

Please click here to download User Manual of ACLEDA Unity ToanChet in PDF file format.

Note: For our services requirements and more information, please contact our nearest branch or our Call Center.

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ACLEDA Unity ToanChet
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