Updated September 28, 2026 · BorrowCue Editorial Team
ACLEDA Bank vs Bosna Bank International
What sets them apart
| Compare |  ACLEDA Bank |  Bosna Bank International |
|---|---|---|
| Loan amount | KHR 400,000,000 | BAM 500 to BAM 500,000 |
| Term | 120 months | up to 360 monthsHigher |
| Arrangement fee | 1% of loan amount (Salary Loan); 1.5% of the loan amount, minimum KHR 8,000 or USD 2 (Advance Salary Loan) | 0 BAM |
| 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 | ID card and CIPS certificate of residence required; three last payslips or current account statements |
| Loan types | Personal, Cash advance, Car, Student, BNPL, Credit line, Business, SecuredCovers more | Personal, Secured, Car, Business, Cash advance |
| APR | 9% to 18% | Not confirmed |
| Credit check | Hard | Not confirmed |
| Funding time | Immediate automated approval in the ACLEDA Super App, no branch visit or paperwork | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 1% to 1.5% | Not confirmed |
| Credit needed | Fair | Not confirmed |
Same on both: Rate type (Fixed), Lender type (Direct lender), Use cases (Home improvement).
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Key differences
- ACLEDA Bank scores higher overall: 9.3 vs 9.2.
- Founded is lower at ACLEDA Bank: 1993 vs 2000.
- Term is higher at Bosna Bank International: up to 360 months vs 120 months.
- Loan types: only ACLEDA Bank offers Student, BNPL, Credit line.
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.
Bosna Bank International
Bosna Bank International is a Sarajevo bank that suits people chasing fixed rates and an origination fee of 0 BAM on property purchase and remortgage. Personal, secured, car, business and cash advance lending all sit under one roof, with loan sizes of BAM 500 to BAM 500,000.
Score breakdown
| Area | ACLEDA Bank | Bosna Bank International |
|---|---|---|
| Cost | 9.0 | Not confirmed |
| Offer | 9.6HigherFixed pricing at 9% to 18% across 120 months with fees of 1% to 1.5% keeps the offer easy to cost. | 9.2 |
| Trust | 9.3Higher | 9.2 |
Which one suits you
Pick ACLEDA Bank if offer and loan types matter most.
Pick Bosna Bank International if term matter most.
How they place
| Ranking | ACLEDA Bank | Bosna Bank International |
|---|---|---|
| Personal loans | 286 of 1932 | 414 of 1932 |
| Secured loans | 51 of 472 | 99 of 472 |
| Car loans | 64 of 431 | 112 of 431 |
| Business loans | 52 of 435 | 86 of 435 |
| Home improvement loans | 92 of 562 | 161 of 562 |
| Cash advance apps | 6 of 53 | 8 of 53 |
Availability and regulation
| Country | ACLEDA Bank | Bosna Bank International |
|---|---|---|
| Cambodia | Not confirmed |
Additional countries for ACLEDA Bank: 1. Additional countries for Bosna Bank International: 1.
Side by side, item by item
| Loan types | ACLEDA Bank | Bosna Bank International |
|---|---|---|
| Personal | Yes | Yes |
| Credit line | Yes | No |
| Secured | Yes | Yes |
| Car | Yes | Yes |
| Business | Yes | Yes |
| Student | Yes | No |
| Cash advance | Yes | Yes |
| BNPL | Yes | No |
| Use cases | ACLEDA Bank | Bosna Bank International |
|---|---|---|
| Home improvement | Yes | Yes |
Also worth a look
CreditPlus UA has term at 345 to 365 months, against 120 months for ACLEDA Bank and up to 360 months for Bosna Bank International.
CreditPlus UA reviewEvery fact side by side
| Fact | ACLEDA Bank | Bosna Bank International |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Not confirmed |
| Legal entity | ACLEDA Bank Plc. | Bosna Bank International d.d. Sarajevo |
| Headquarters | Cambodia | Bosnia and Herzegovina |
| Founded | 1993Lower | 2000 |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre |
Mortgages
| Fact | ACLEDA Bank | Bosna Bank International |
|---|---|---|
| Fixed period | Not confirmed | 10 years |
| Maximum loan to value | Not confirmed | 100% |
| Product fee | Not confirmed | BAM 0 |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | ACLEDA Bank | Bosna Bank International | Median |
|---|---|---|---|
| APR | 9% to 18%above the median | Not confirmed | 8.99 |
| Term | 120 monthshighest quarter | up to 360 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.
Bosna Bank International
Pros
- Fixed pricing across the range, with a rate type of fixed and a model of fixed rate.
- An origination fee of 0 BAM and a product fee of BAM 0 on residential financing.
- Support runs on email, phone and help centre.
Cons
- Every product is fixed rate, so a fixed rate book rules out a variable rate deal.
- Repayment terms of up to 360 sit below the site maximum of 480.
- Eligibility asks for an ID card, a CIPS certificate of residence and recent payslips or current account statements.
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.
Bosna Bank International
Who it suits
- People buying, building or remortgaging property who want a fixed rate and a set monthly payment.
- Borrowers who want property lending with an origination fee of 0 BAM.
- Anyone who needs a personal, secured, car, business or cash advance loan without approaching several lenders.
Who should look elsewhere
- Monzo Flex, whose amounts of £10,000 to £35,000 sit in a different currency, if you want a loan outside the BAM market.
- Cashspace ES, whose amounts of €100 to €5,000 are far smaller than the BAM 500 to BAM 500,000 range, if your borrowing need is modest.
Country by country
| Country | ACLEDA Bank | Bosna Bank International |
|---|---|---|
| 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.
Bosna Bank International
What kinds of loans does Bosna Bank International offer?+
The book covers personal, secured, car, business and cash advance lending, so most everyday borrowing needs sit with one bank rather than a broker. The full set of loan types is personal, secured and car, and each product can carry its own term and security.
How much can I borrow?+
Loan sizes are BAM 500 to BAM 500,000, so the range stretches from a modest personal loan to a large property purchase. The spread matters more than the headline figure: what you can actually receive depends on the product and the security behind it.
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