Updated September 28, 2026 · BorrowCue Editorial Team
ACLEDA Bank vs ASA Banka
ACLEDA Bank vs ASA Banka: the differences
| Compare |  ACLEDA Bank |  ASA Banka |
|---|---|---|
| APR | 9% to 18% | 8.31%Lower |
| Loan amount | KHR 400,000,000 | up to BAM 50,000 |
| Term | 120 months | up to 120 months |
| Eligibility | Cambodian national with permanent address, employed or self-employed; Salary Loan age 18-55 with a payroll account held at ACLEDA Bank for at least 6 months | Accounts for adult citizens of Bosnia and Herzegovina; loan applicants need regular monthly income, and fixed-term employees must have at least 12 months with the same employer |
| Loan types | Personal, Cash advance, Car, Student, BNPL, Credit line, Business, Secured | Personal, Cash advance, Debt consolidation, Credit line, Secured, Student |
| Arrangement fee | 1% of loan amount (Salary Loan); 1.5% of the loan amount, minimum KHR 8,000 or USD 2 (Advance Salary Loan) | Not confirmed |
| Credit check | Hard | Not confirmed |
| Funding time | Immediate automated approval in the ACLEDA Super App, no branch visit or paperwork | Not confirmed |
| Representative example | Not confirmed | Long-term unsecured personal loan of 50,000.00 KM over 36 months, effective annual rate (EKS) 8.31% including related costs and fees |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 1% to 1.5% | Not confirmed |
| Credit needed | Fair | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Rate type (Fixed), Lender type (Direct lender).
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Key differences
- ACLEDA Bank scores higher overall: 9.3 vs 9.1.
- Founded is lower at ASA Banka: 1957 vs 1993.
- APR is lower at ASA Banka: 8.31% vs 9% to 18%.
- Support channels: only ACLEDA Bank offers Email.
- Loan types: only ACLEDA Bank offers Car, BNPL, Business.
- Loan types: only ASA Banka offers Debt consolidation.
Our verdict on each
ACLEDA Bank
ACLEDA Bank suits Cambodian borrowers who already hold a salary account at the bank and want a personal loan with a borrowing limit of KHR 400,000,000. Approval is immediate in the ACLEDA Super App, and the trade-off is eligibility: a payroll account and a waiting period sit in front of the Salary Loan.
ASA Banka
ASA Banka suits borrowers in Bosnia and Herzegovina who want a fixed rate they can plan around, with unsecured personal loans at 8.31% and a long repayment window. Adults with regular monthly income, including fixed-term employees, can apply, and the lender also offers a free arrangement fee on its mortgage range.
Score breakdown
| Area | ACLEDA Bank | ASA Banka |
|---|---|---|
| Cost | 9.0 | 9.1HigherUnsecured personal loans at 8.31% sit under the site median of 12%, and the home range charges BAM 0. |
| Offer | 9.6HigherFixed pricing at 9% to 18% across 120 months with fees of 1% to 1.5% keeps the offer easy to cost. | 8.5 |
| Trust | 9.3 | 9.5Higher |
Licences and countries
| Country | ACLEDA Bank | ASA Banka |
|---|---|---|
| Cambodia | Not confirmed |
Additional countries for ACLEDA Bank: 1. Additional countries for ASA Banka: 1.
What each covers
| Loan types | ACLEDA Bank | ASA Banka |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | No | Yes |
| Credit line | Yes | Yes |
| Secured | Yes | Yes |
| Car | Yes | No |
| Business | Yes | No |
| Student | Yes | Yes |
| Cash advance | Yes | Yes |
| BNPL | Yes | No |
If neither fits
Prestamiau ES has apr at 0% to 36%, against 9% to 18% for ACLEDA Bank and 8.31% for ASA Banka.
Prestamiau ES reviewSources behind this comparison
ACLEDA Bank
- acledabank.com.kh: 20 facts, checked September 26, 2026
ASA Banka
- asabanka.ba: 13 facts, checked September 26, 2026
How they place
| Ranking | ACLEDA Bank | ASA Banka |
|---|---|---|
| Personal loans | 286 of 1932 | 502 of 1932 |
| Secured loans | 51 of 472 | 127 of 472 |
| Private student loans | 25 of 167 | 56 of 167 |
| Cash advance apps | 6 of 53 | 12 of 53 |
Every fact side by side
| Fact | ACLEDA Bank | ASA Banka |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Not confirmed |
| Legal entity | ACLEDA Bank Plc. | ASA Banka d.d. Sarajevo |
| Headquarters | Cambodia | Bosnia and Herzegovina |
| Founded | 1993 | 1957Lower |
| Support channels | Phone, Email, Help centreCovers more | Phone, Help centre |
Mortgages
| Fact | ACLEDA Bank | ASA Banka |
|---|---|---|
| Initial rate | Not confirmed | 3.29% |
| APRC | Not confirmed | 3.78% |
| Fixed period | Not confirmed | 10 years |
| Maximum loan to value | Not confirmed | 80% |
| Product fee | Not confirmed | BAM 0 |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | ACLEDA Bank | ASA Banka | Median |
|---|---|---|---|
| APR | 9% to 18%above the median | 8.31%below the median | 8.99 |
| Term | 120 monthshighest quarter | up to 120 monthshighest quarter | 60 months |
| Origination fee (%) | 1% to 1.5%above the median | Not confirmed | 0.25 |
Median across 1005 listed lenders.
Pros and cons
ACLEDA Bank
Pros
- Approval is immediate and automated in the ACLEDA Super App, with no branch visit and no paperwork.
- Free early repayment, so clearing the balance ahead of schedule costs nothing extra.
- Support runs on phone, email and help centre, so a call or an email reaches the bank rather than a third party.
Cons
- Eligibility is narrow: a Cambodian national with a permanent address, employed or self-employed, and a payroll account held at the bank for a waiting period plus a minimum age.
- The application runs a hard credit check, so it is worth applying only when the timing suits you.
- Support runs on phone, email and help centre only, so there is no live chat route for quick questions.
ASA Banka
Pros
- Unsecured personal loans priced at 8.31%, under the site median of 12%
- Repayment windows of up to 120 on a fixed rate
- Arrangement fee of BAM 0 on the home purchase and remortgage range
Cons
- Support runs through phone and help centre only
- Eligibility for accounts is limited to adult citizens of Bosnia and Herzegovina
- The home purchase rate of 3.29% needs a deposit reaching 80%
Who each suits
ACLEDA Bank
Who it suits
- Cambodian adults with a permanent address who are employed or self-employed and want a repayment figure that does not change each month.
- Borrowers who need money the same day without visiting a branch or sending paper forms.
- People funding home improvement work who may finish paying early without a charge.
Who should look elsewhere
- Not for Monzo Flex users, whose rates run 10% to 23% and sit in a different market from Cambodia.
- Not for Cashspace ES customers, whose APR is 0% and carries no interest at all.
- Not for Cashspace borrowers weighing lending at PHP 12 to PHP 36 in another currency market.
ASA Banka
Who it suits
- Adults in Bosnia and Herzegovina with regular monthly income
- Borrowers who want a fixed rate rather than a variable one
- Homebuyers comfortable putting a larger deposit down
Who should look elsewhere
- Anyone without a steady monthly income, or fixed-term applicants who have not yet built a waiting period with their employer
- Borrowers priced in another currency who want a fee-free personal loan, since BAM 0 applies to the home purchase and remortgage range
- Readers wanting a lender with a wider choice of support channels than phone and help centre
Current offers
ASA Banka
Current offer
Bonus
Akcija stambenih kredita (mortgage loan campaign)
Source, checked September 26, 2026
Bonus
Poštedi se briga - Ostvari dodatni prihod i osiguraj novac (savings action with free ASA Central insurance): Free ASA Central insurance
Source, checked September 26, 2026
Discount code
Naša srijeda - Wednesday benefits for ASA Bank card customers
Applies to users of ASA Bank cards every Wednesday
Source, checked September 26, 2026
Country by country
| Country | ACLEDA Bank | ASA Banka |
|---|---|---|
| Bosnia and Herzegovina | No | Yes |
| Cambodia | Yes | No |
Questions about each
ACLEDA Bank
What rate will I pay on a personal loan?+
The published annual percentage is 9% to 18% and the rate type is fixed. The rate you are offered depends on the product and on your own circumstances, but the band above is the range the bank publishes for personal loans. Because it is fixed, the figure does not rise when market rates move.
What fees does ACLEDA Bank charge?+
There is an arrangement fee taken as a share of the amount borrowed, and the shares differ by product. A small percentage applies to the Salary Loan, a larger one to the Advance Salary Loan, where a minimum fee also applies. Taken together the arrangement fee runs 1% to 1.5% of the loan amount.
ASA Banka
What rate do ASA Banka personal loans charge?+
Unsecured personal loans run at 8.31%, and that rate is fixed rather than variable, so monthly payments stay level for the life of the loan. The representative example given covers long-term unsecured personal borrowing and states 8.31% including related costs and fees.
How much can I borrow and for how long?+
Unsecured personal loans reach up to BAM 50,000 and run for up to 120. The same bank also offers cash advance, debt consolidation, credit line, secured and student lending, so a larger purchase can be covered through a secured product instead.
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