Figures in our website are quoted for indication purpose only and subject to variation. Please contact our nearest branch or Call Center for our services requirements and more information.
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ACLEDA Bank Plc.

 »  Products & Services  »  E-Banking  »  ACLEDA Mastercard Card

ACLEDA Mastercard Card

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

ACLEDA Mastercard Card is a secure card which designed with the high-end layer of security recognized by the Payment Card Industry Data Security Standard (PCI DSS), and provide security for customers using their banking services.

You can conveniently use ACLEDA Mastercard Card to make withdrawals through any ATM and payments via any POS throughout Cambodia and around the world where the Mastercard's logo is displayed.

"ACLEDA Mastercard Card is added the most secure technology (Mastercard SecureCode) by requiring to enter One Time Password (OTP) [3] that is sent to your registered mobile phone number via SMS [4] (it also can be used with Soft Token [5] or Hard Token [6]) when making online payments (e-commerce)."

ACLEDA Mastercard Card has two types:

  • ACLEDA Mastercard Credit Card
    You can make withdrawals or pay for goods/services up to the existing credit line or up to the credit limit set by ACLEDA Bank.
  • ACLEDA Mastercard Debit Card
    All operations via this card are debited from owner's account at ACLEDA Bank.

How to Apply

Benefits

  • Making payments via POS terminals at any supermarkets, hotels, companies etc. in Cambodia or abroad where the Mastercard logo is displayed.
  • Pay for goods or services conveniently and the interest is not charged (for credit card) if you pay back to the Bank by the due date [1].
  • Making withdrawals quickly via all ATMs where the Mastercard logo is displayed throughout Cambodia and around the world anytime.
  • Conveniently pay for goods or services, booking air tickets or hotels rooms etc., over the internet.
  • Safety and convenience by not having to carry money.
  • Possibility of operating transactions anywhere worldwide with valuable consumer protections under the law.
  • Efficiency time and safety for cash management and settlements.

Features

  • Letter printed on the card is embossed letter.
  • Having a 16 digits card number.
  • Having logos of ACLEDA Bank and Mastercard.
  • Having a consumer name in English.
  • Having a valid date.
  • Load with latest technology based on the EMV Chip in the front and magnetic stripe on its back to provide stronger security and any faking protection.

Currency

Currency type is available in US dollar. If you make withdrawal or payment via ACLEDA Mastercard Card in other currency, the system will convert it automatically based on the Mastercard's exchange rates at the time of settlement.

Requirements (for Credit Card) 

  • For individual
    • Be a majority;
    • Have identity card, passport, family book, or any valid documents;
    • Have a permanent address in Cambodia;
    • Have any collateral (land, building, deposit account, or guarantee letter etc.);
    • Have a proper work, salary or any sufficient income and good reputation or good credit payment history and guarantor; if not having any collateral.
  • For corporate
    • Have a proxy letter or resolution;
    • Have identity card, passport, family book, or any valid documents of representative of company;
    • Provide memorandum, articles of corporate, patent, business registration certificate, or any valid documents;
    • Have a permanent address of company in Cambodia;
    • Have any collateral (land, building, deposit account, or guarantee letter etc.).

Transaction Limit 

Transactions limit (per day) for one card Standard
Transactions via ATM, POS, and e-commerce 25 times
Cash withdrawal/cash advance via: USD1,500
Cash withdrawal through other bank's ATM both local and overseas USD1,500 or depends on other bank's policy
Payments via POS USD4,000
Payments via e-commerce USD4,000
Fund transfers within ACLEDA Bank via ACLEDA ATM USD1,000
Fund transfers to other bank's Mastercard worldwide via ACLEDA ATM USD2,500
Bill payment via ACLEDA ATM Unlimited
The transaction limit in the table above can be bigger depending on the card types (VIP, gold, or platinum).
The 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.

Safe and Security Conditions

  • Keep your card in a safe place;
  • Do not store password in any objects; it should be memorized for convenient use;
  • Do not tell or let anyone see your password when you are using it. Standing closer to the ATM and make sure no one is watching you as you enter the PIN;
  • Change PIN frequently;
  • Make sure that you always check the account you are signing when making a purchase;
  • Watch the merchant when he/she is swiping your card and make sure your card does not leave your sight;
  • Enter an incorrect PIN 3 times consecutively, your card will be blocked (for using with ACLEDA ATM and ACLEDA POS).
  • If your card is lost or stolen or your PIN is disclosed or comes into the knowledge of a third person, you must immediately notify ACLEDA Bank 24 hours to Call Center at +855 (0)23 994 444 or +855 (0)15 999 233.

Note: 

  1. Not charge the interest (pay for goods/services) until the 28th day of each month if you pay back to the Bank by this due date. In contrast, interest rate on the balance will be charged from the payment date onwards.
  2. The currency in ACLEDA ATM in Laos is only available in Lao Kip. So the system will convert it automatically.
  3. 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 with websites that have the sign "Mastercard SecureCode".
  4. 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.
  5. Soft Token: It is an application installed on your smart phone when registering and it is used to generate OTP in your phone.
  6. Hard Token: It is a tool used to generate and display OTP.

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