ABA Bank review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

ABA Bank serves existing customers rather than the open market. Its Salary Loan suits someone whose salary already runs through the bank and who wants $100 released quickly, while the mortgage side covers purchase, remortgage and home equity at a fixed 6.5% up to 80% loan to value.

Key facts

Best for
Existing ABA Bank salary customers after a short personal advance, and homeowners funding a purchase, remortgage or home equity.
APR
14.4% (Source, checked September 26, 2026)
Loan amount
$100 (Source, checked September 26, 2026)
Term
1 to 12 months (Source, checked September 26, 2026)
Arrangement fee
0 USD (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Instant, in seconds (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Salary Loan: 18+, salary paid through ABA for 3 consecutive months, active ABA Mobile user, clean CBC record (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Legal entity
Advanced Bank of Asia Limited (Source, checked September 26, 2026)
Headquarters
Cambodia (Source, checked September 26, 2026)
Founded
1996 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
ababank.com

Mortgages

Initial rate
6.5% (Source, checked September 26, 2026)
Maximum loan to value
80% (Source, checked September 26, 2026)
Product fee
$0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, Home-equity (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Advanced Bank of Asia Limited (Source, checked September 26, 2026)
Headquarters
Cambodia (Source, checked September 26, 2026)
Founded
1996 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
App Store
Elsewhere
LinkedInfacebook.com

Pros and cons

Pros

  • Free early repayment is offered, so clearing a Salary Loan ahead of term adds no charge.
  • Money moves quickly, with funding Instant, in seconds and same day funding listed for the product.
  • Support covers email, chat and phone, so help is available by phone, chat, email or a help centre.
  • The mortgage arm handles purchase, remortgage and home equity under one rate sheet.

Cons

  • The Salary Loan is small and short: $100 over 1 to 12.
  • The credit check is hard and the credit needed is good, with salary paid through the bank and an active mobile account as extra conditions.
  • The mortgage ceiling is 80% loan to value, under the 90% typical across the products listed.
ABA Bank

Ready to try ABA Bank?

Scored 9.0 / 10 by BorrowCue.

See alternatives

Who it suits

  • Existing ABA Bank customers paid into the bank each month who want a quick personal advance.
  • Borrowers with a good credit record who prefer fixed pricing and can settle the balance early without charge.
  • Homebuyers and remortgagors who want an initial rate of 6.5% and lending up to 80% loan to value.

Who should look elsewhere

  • Borrowers who cannot have salary paid through ABA Bank, or who need a larger or longer personal loan, should compare Cashspace at PHP 12 to PHP 36 and Monzo Flex at 10% to 23% first.
  • Anyone shopping mainly on the headline rate, since Cashspace ES lists 0% against 14.4% for the Salary Loan.

Safety and regulation

ABA Bank lends as a direct lender, so the credit decision and the money sit with one bank rather than a broker or a marketplace. Its commercial bank licence is recorded as C.B. 14 dated 7 December 2023. The Salary Loan runs to existing account holders rather than the open market, which keeps the counterparty to a single institution.

Who runs it

The lender behind both products is Advanced Bank of Asia Limited, based in Cambodia and trading since 1996. Its commercial bank licence reads C.B. 14 dated 7 December 2023, and the Salary Loan is offered only to customers who already hold the bank's accounts. Support covers email, chat and phone, so help is available by phone, chat, email or a help centre, and because the bank lends directly there is no intermediary in between.

How ABA Bank compares

Where ABA Bank is available

Available
Cambodia
Licence in Cambodia
Commercial bank license, issuing regulator not named on the page (C.B. 14 dated 7 December 2023), checked September 26, 2026
Licence in Cambodia
Trust Regulator, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the Salary Loan cost to borrow?+

The Salary Loan runs at 14.4% on a fixed basis, with an origination fee of 0 USD. Early repayment is free, so settling the balance before term adds nothing. Set against the personal loan median of 12.25%, the headline rate sits on the dearer side.

How much can I borrow and for how long?+

The Salary Loan amount is $100 and the term runs 1 to 12, so it covers a short gap rather than a large expense. Larger borrowing sits with the mortgage product, which covers purchase, remortgage and home equity up to 80% loan to value.

How quickly does the money arrive?+

Funding is Instant, in seconds, and same day funding is listed for the Salary Loan. Everything runs through the bank's own mobile app, where the loan is arranged, with no broker sitting in the middle and nothing to chase by post.

Who can apply for the Salary Loan?+

Applicants must be adults with their salary paid through ABA Bank for a waiting period, an active mobile account and a clean credit record, so the product is aimed at existing customers rather than newcomers. The credit bar is good, and the check that runs is hard.

Is the money with a licensed lender?+

Borrowers deal with the bank itself. The legal entity behind the products is Advanced Bank of Asia Limited, and its commercial bank licence reads C.B. 14 dated 7 December 2023. Funds sit with that institution, so the counterparty is the lender rather than an intermediary.

What does the mortgage side offer?+

The mortgage product starts at an initial rate of 6.5% with a product fee of $0, and lending is capped at 80% loan to value. It covers purchase, remortgage and home equity, so a purchase, a remortgage and a home equity draw all run through the same sheet.

Can I repay a Salary Loan early?+

Free early repayment is offered, so clearing the balance before the term ends carries no charge. Pricing is fixed, which keeps the cost of the remaining months predictable and makes paying the loan off sooner straightforward.

Sources

  • ababank.com/en/aba-mobile-app/mobile-instant-loans/salary... checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Credit needed, Eligibility, Features, Free early repayment, Funding time, Lender type, Loan types, Pricing model, Arrangement fee, Rate type, Support channels, Term

    “Salary Loan - Loan Amount: Minimum 100 USD; or Up to 80% of the average last three months' salary”

  • ababank.com/en/about-us/history checked September 26, 2026

    Backs: Founded

    “Founded in 1996 as the Advanced Bank of Asia limited”

  • ababank.com/en/mortgage-loan checked September 26, 2026

    Backs: Initial rate, Maximum loan to value, Product fee, Purpose

    “Interest Rate p.a. Above USD 100k 6.50% per annum or higher”

  • ababank.com/en/terms-of-use checked September 26, 2026

    Backs: Headquarters, Legal entity, Licences

    “148 Preah Sihanouk Blvd, Sangkat Boeung Keng Kang I, Khan Boeung Keng Kang, Phnom Penh, Cambodia”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Representative example.

ABA Bank

ABA Bank

Existing ABA Bank salary customers after a short personal advance, and homeowners funding a purchase, remortgage or home equity.

9.0/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings