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Savings and Deposit Service
Savings and Deposit Service

To suit with customer demand, HKL has developed a wide range of savings and deposit products including Savings Account, Recurring Account and Fix Deposit Account.

Voluntary Saving Account:
Saving Account

Savings Account is a voluntary saving which customers are able to deposit and withdraw any amount at any branch, and at any time through HKL ATM networks. Minimum balance required for this account is only 5 USD (equivalent to other currencies), allowing customers to earn very competitive interest rates up to 4% depending on the currency.

Account Name Interest Rate
USD KHR THB
Saving Account 3.5% 4.0% 4.0%
Ezzy Account

Ezzy Account serves mainly to HKL clients who wish for high interest rate of 4.25% from their voluntary saving. Customers will moreover benefit modern features of Mobile Banking Services and ATM services for free of charge. The minimum balance for this kind of account is 50 USD (equivalent to other currencies).

Account Name Interest Rate
USD KHR THB
Ezzy Account 3.75% 4.25% 4.25%
Smart Account

Smart Account provides interest rate of 4.5%, which is the highest rate among voluntary saving. Customers are able to utilize Mobile Banking Services and ATM Services for free of charge for their daily transaction. The minimum balance for this kind of account is 250 USD (equivalent to other currencies).

Account Name Interest Rate
USD KHR THB
Smart Account 4.0% 4.5% 4.5%
Recurring Deposit Products:
Planned Account

Planned Account is mainly for those who wish to have fund for specific future expense. This account requires customers to make cash deposit as installment on weekly or monthly basis. To open this account, customers have to place a minimum deposit of 25 USD (equivalent to other currencies) with flexible deposit term from 6 to 60 months with the interest rate up to 8%.

Account Name Duration Interest Rate
USD KHR THB
Planned Account 06 Months 4.00% 4.50% 4.50%
09 Months 4.50% 5.0% 5.00%
12 Months 5.00% 5.50% 5.50%
18 Months 5.50% 6.00% 6.00%
24 Months 6.00% 6.50% 6.50%
36-48-60 Months 7.00% 8.00% 8.00%
Kids Account

Kids Saving Account is designed for customers who want to make deposit for their children. As planed Savings Account, customers are able to deposit as installments on weekly or monthly basis with flexible savings term from 2 to 18 years. To open this account, the customers have to bank in a minimum deposit of 50 USD (equivalent to other currencies) with the most highest interest rate up to 11% depending on currency saving.

Account Name Duration Interest Rate
USD KHR THB
Kids Account 02 Years 6.00% 6.50% 6.50%
05 Years 7.00% 8.00% 8.00%
08 Years 7.25% 8.50% 8.50%
10 Years 7.50% 9.00% 9.00%
15 Years 8.00% 10.00% 10.00%
18 Years 9.00% 11.00% 11.00%
Term Deposit Products:
High Income Deposit Account

High Income Deposit Account is a term deposit account, offering high interest rate up to 9.4% to customers who want to invest their available money with high security financial institution. Customers are allowed to withdraw earned interest monthly. This service can be subscribed from 1 to 36 months by minimum balance of 50 USD (equivalent to other currencies).

Individual
Account Name Duration Interest Rate
USD KHR THB
High Income Deposit Account 01 Month 4.00% 5.00% 5.00%
03 Months 5.20% 6.20% 6.20%
06 Months 6.20% 7.20% 7.20%
09 Months 6.70% 7.70% 7.70%
12 Months 7.70% 8.70% 8.70%
18 Months 7.85% 9.10% 8.70%
24-36 Months 8.00% 9.40% 8.70%
Entity
Account Name Duration Interest Rate
USD KHR THB
High Income Deposit Account ≥ 01 Month 3.00% 3.50% 3.50%
≥ 03 Months 4.20% 4.70% 4.70%
≥ 06 Months 4.70% 5.20% 5.20%
≥ 09 Months 5.20% 5.70% 5.70%
≥ 12-36 Months 6.20% 7.20% 7.20%
High Return Deposit Account

High Return Deposit Account provides the highest interest rate up to 9.8% with flexible terms and conditions. This product is highly recommended to individuals who have available large amount of money. The minimum balance for this account is 50 USD (equivalent to other currencies), which can be deposited from 1 to 36 months.

Individual
Account Name Duration Interest Rate
USD KHR THB
High Return Deposit Account 01 Month 4.00% 5.00% 5.00%
03 Months 5.35% 6.35% 6.35%
06 Months 6.35% 7.35% 7.35%
09 Months 6.85% 7.90% 7.90%
12 Months 8.00% 9.00% 9.00%
18 Months 8.15% 9.40% 9.00%
24-36 Months 8.30% 9.80% 9.00%
Entity
Account Name Duration Interest Rate
USD KHR THB
High Return Deposit Account ≥ 01 Month 3.00% 3.50% 3.50%
≥ 03 Months 4.20% 4.80% 4.80%
≥ 06 Months 4.80% 5.30% 5.30%
≥ 09 Months 5.30% 5.80% 5.80%
≥ 12-36 Months 6.50% 7.50% 7.50%

Note: Not applicable for Financial Institution. 

These rates are subjected to change without further informing.

Annual Report 2016
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ATM Network
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Achievement YTD 30 June, 2017
Welcome to Achievement
Number of Office 163
Headquarter 1
Branches Office 57
Sub-Branches Office 106
Total Number of Staff 2,631
Male 1,833
Female 798
Loan
Loan Outstanding 491 M USD
Number of Active Borrower 117,878
Deposits
Deposit 371 M USD
Active Customer 220,499
Business Partnership (%)
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