AMK Bank review

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

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Our verdict

AMK Bank lends in Cambodia to businesses and mutual groups, with group loans repaid over 24 and an emergency product that pays out fast. It suits owners with a stable business income who can bring a group guarantee.

Key facts

Best for
Business owners with a group guarantee who need a small, short loan quickly.
APR
1.5% (Source, checked September 26, 2026)
Loan amount
KHR 4,000,000 (Source, checked September 26, 2026)
Term
24 months (Source, checked September 26, 2026)
Funding time
Immediate access to funds (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Age 18 to 70, permanent address in Cambodia, regular or stable income from business; mutual group guarantee required (Source, checked September 26, 2026)
Loan types
Personal, Guarantor, Secured, Car, Business, Credit-line (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
AMK Bank Plc. (Source, checked September 26, 2026)
Headquarters
Cambodia (Source, checked September 26, 2026)
Founded
2002 (Source, checked September 26, 2026)
Support channels
Phone, Chat, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding
Official website
amkcambodia.com

Apps and profiles

Get the app
App Store
Elsewhere
LinkedIn

Pros and cons

Pros

  • The emergency product carries same day funding, and the bank states Immediate access to funds.
  • Borrowing is short at 24, so the interest paid on a given amount stays contained.
  • The range spans personal, guarantor and secured, including a credit line and a car loan.

Cons

  • Group loans require a mutual group guarantee, so a single applicant cannot use that product alone.
  • Repaying over 24 keeps the monthly payment high on a large balance.
  • Help runs on phone, chat and help centre only, with no branch or email channel in the list.
AMK Bank

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Scored 9.4 / 10 by BorrowCue.

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Who it suits

  • Business owners in Cambodia with regular or stable income who can bring mutual group guarantors.
  • Borrowers who need money quickly and can clear it inside 24.
  • Households funding home improvement work, which is a listed use.

Who should look elsewhere

  • Anyone without a permanent address in Cambodia, which the eligibility rules require, so Cashspace and Monzo Flex are the names on the shortlist instead.
  • Borrowers unwilling to give a mutual group guarantee, which the group loan requires.
  • Borrowers wanting a longer schedule than 24: Monzo Flex at 10% to 23% and Cashspace at PHP 12 to PHP 36 are the other options here.

Where it sits among rivals

AMK Bank sits 38 out of 350 brands on rate, well up the field, and 146 out of 232 on term. The term ranking is the weaker of the two: a short schedule is cheap to price, but it leaves less room for a large balance to clear.

Who runs it

The lender is AMK Bank Plc., based in Cambodia and founded in 2002. The National Bank of Cambodia licenses it, and the bank also holds an MDI licence from the same authority. Customers reach the bank on phone, chat and help centre, so help runs by phone, in chat and through a help centre.

How AMK Bank compares

Where AMK Bank is available

Available
Cambodia
Licence in Cambodia
National Bank of Cambodia, checked September 26, 2026
Licence in Cambodia
National Bank of Cambodia (MDI licence), checked September 26, 2026

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

Frequently asked questions

What rate does AMK Bank charge on a group loan?+

AMK Bank publishes a rate of 1.5% on the group loan and lends the money itself rather than brokering it. It is a single rate rather than a range, so the full cost of credit on your own amount is worth confirming with the bank before you apply.

How much can I borrow and how long do I repay?+

The group loan runs to KHR 4,000,000, repaid over 24. Both figures come from the same product, so the schedule is short and monthly payments on the top amount are high. That shape suits business and group borrowing more than a long personal repayment.

How quickly do I get the money?+

The emergency product is listed with same day funding, and the bank states Immediate access to funds. Speed is the sharpest point of the range, though the group guarantee rules still apply, so a quick payout does not mean a quick decision for someone borrowing alone.

Who can apply for a group loan?+

Eligibility needs a permanent address in Cambodia and regular or stable income from a business, plus a mutual group guarantee on the group loan. Adults meeting that description can apply, while anyone borrowing without a group guarantee is looking at the wrong product here.

Is AMK Bank regulated?+

The bank trades as AMK Bank Plc. and is licensed by the National Bank of Cambodia, which also issues the MDI licence it holds. That licence names the regulator rather than spelling out what a depositor is covered for, so ask the bank directly if the safety of savings matters to you.

What kinds of loan does AMK Bank offer?+

The range covers personal, guarantor and secured, and home improvement is a named use for the money. The emergency product adds speed, while the group product adds the mutual guarantee, so the choice comes down to whether you need fast cash or a guaranteed group arrangement.

How do I get help from the bank?+

Support runs on phone, chat and help centre. That means phone, chat and a help centre, and the published list carries no branch or email option, so a branch visit is not part of the offering as listed.

Does AMK Bank lend for a car or home work?+

A car loan and a credit line both sit in personal, guarantor and secured, and home improvement is a named use. Treat the 1.5% rate and the 24 term as the group loan figures, and ask the bank for the car product separately.

Sources

  • amkcambodia.com checked September 26, 2026

    Backs: Loan types

    “Personal Loans: Group Loan, Affordable Housing Loan, Emergency Loan, Car Loan; Business Loans: Micro and Small Loan, Supply Chain Loan, Overdraft Facility (OD)”

  • amkbank.com.kh/about checked September 26, 2026

    Backs: Founded, Headquarters, Lender type, Licences

    “was formally established in 2002 in line with Cambodia's evolving microfinance regulations”

  • amkbank.com.kh/services/emergency-loan checked September 26, 2026

    Backs: Features, Funding time

    “Fast Cash When You Need It: Immediate access to funds for unexpected expenses.”

  • amkbank.com.kh/services/group-loan checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Legal entity, Support channels, Term

    “Group loan - Product Attribute: Loan Size Up to 4,000,000 riel”

  • amkbank.com.kh/services/home-loan checked September 26, 2026

    Backs: Use cases

    “Home loan: This loan is designed for customers who wish to buy a new home or build to fulfill their dreams.”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Credit check, Representative example.

AMK Bank

AMK Bank

Business owners with a group guarantee who need a small, short loan quickly.

9.4/10See alternatives

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