Wing Bank review

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

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Our verdict

Wing Bank lends directly to Cambodian borrowers who want a personal loan up to $22,000 at 1.34% on a fixed rate. Funding lands in the app in minutes, and the 2% processing fee is the main cost to weigh against what you can borrow.

Key facts

Best for
A personal loan up to $22,000 with fixed pricing and app based funding.
APR
1.34% (Source, checked September 26, 2026)
Loan amount
$22,000 (Source, checked September 26, 2026)
Term
36 months (Source, checked September 26, 2026)
Arrangement fee
2% processing fee (Source, checked September 26, 2026)
Funding time
Instant, in minutes in the Wing Bank app (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Age 21-59 years at loan maturity (Consumer Loan) (Source, checked September 26, 2026)
Origination fee (%)
2% (Source, checked September 26, 2026)
Loan types
Personal, Car, Secured, Business, Credit-line (Source, checked September 26, 2026)
Legal entity
Wing Bank (Cambodia) Plc. (Source, checked September 26, 2026)
Headquarters
Cambodia (Source, checked September 26, 2026)
Founded
2008 (Source, checked September 26, 2026)
Support channels
Phone, Email, Chat, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
wingbank.com.kh

Apps and profiles

Get the app
App Store
Elsewhere
LinkedInfacebook.com

Pros and cons

Pros

  • Fixed rate pricing on the fixed rate model, so instalments stay level for the whole agreement.
  • Direct lending from the bank itself, direct lender, with amounts up to $22,000 on the consumer loan.
  • Money moves fast: Instant, in minutes in the Wing Bank app.
  • Support runs on phone, email and chat, including phone and chat alongside a help centre.

Cons

  • A 2% processing fee is charged on the consumer loan, on top of the 1.34% interest.
  • The term is fixed at 36, shorter than the 60 most personal lenders offer.
  • Borrowing caps at $22,000, below the €2,500 most personal lenders reach.
Wing Bank

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Scored 9.3 / 10 by BorrowCue.

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Who it suits

  • Borrowers in KH who bank in the app and want Instant, in minutes in the Wing Bank app.
  • Anyone covering a car, secured or business cost, since personal, car and secured covers personal, car, secured, business and credit line lending.
  • People who want predictable repayments, given the fixed rate model on a 36 term.

Who should look elsewhere

  • Readers who prefer a rate band to pick from: Monzo Flex quotes an APR of 10% to 23% rather than one figure.
  • Anyone needing a different currency: Cashspace quotes an APR of PHP 12 to PHP 36 in Philippine pesos.

How Wing Bank compares

Where Wing Bank is available

Available
Cambodia

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

Frequently asked questions

How much can I borrow from Wing Bank?+

The consumer loan runs up to $22,000 in dollars, a wide ceiling for a personal product in a single market. Repayment is arranged over 36, and the same lender covers car, secured, business and credit line borrowing as well, per personal, car and secured.

What does a Wing Bank loan cost in interest and fees?+

Interest is listed at an APR of 1.34% on a fixed rate basis, and Wing Bank adds a 2% processing fee to the consumer loan. That processing charge sits outside the rate, so the total repaid runs above what the headline rate alone suggests.

How quickly would I get the money?+

Funding is Instant, in minutes in the Wing Bank app, and same day funding is listed among the product features. Applying, approving and receiving the money all happen in the app, so you do not need to visit a branch or wait for a paper agreement.

Who actually lends the money?+

Wing Bank lends as a direct lender, so the bank you apply to is the one carrying the debt. The legal entity is Wing Bank (Cambodia) Plc., a lender based in Cambodia that has been operating since 2008.

How do I contact Wing Bank for help?+

Support runs on phone, email and chat, so you can reach the bank by phone or email, chat with it in the app, or work through the help centre. Questions about a loan agreement, repayments or a live application can be raised on the same channels.

Who can apply for a Wing Bank loan?+

Age 21-59 years at loan maturity (Consumer Loan) sets the rule for the consumer loan, so applicants must be adults inside a stated age band at loan maturity. Because the pricing is fixed, the same rate applies for the whole 36 term rather than being repriced later.

Does the interest rate change during the loan?+

The consumer loan runs on a fixed rate model with fixed interest, so the rate is set for the agreement instead of moving with the market. The trade-off is that a fixed rate will not drop if wider rates ease over the term.

How does Wing Bank compare with the other lenders here?+

Wing Bank's APR is a single figure of 1.34%, while Monzo Flex quotes 10% to 23% and Cashspace quotes PHP 12 to PHP 36. Cashspace ES lists 0%. On APR, Wing Bank sits at 36 of 350 brands.

Sources

  • wingbank.com.kh checked September 26, 2026

    Backs: Headquarters, Loan types, Support channels

    “Wing Tower Building, Preah Moinivong Blvd corner Kampuchea Kroam, Sangkat Monurom, Khan Prampir Meakara, Phnom Penh”

  • wingbank.com.kh/en/company/the-wing-identity/about-us checked September 26, 2026

    Backs: Founded

    “Since its inception in 2008, Wing Bank has become one of the fastest-growing commercial banks and one of the most trusted financial institutions in Cambodia”

  • wingbank.com.kh/en/consumer-loan checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Pricing model, Arrangement fee, Origination fee (%), Rate type, Term

    “Consumer Loan - Loan Amount: Up to $22,000”

  • wingbank.com.kh/en/terms-of-use-wing-banks-website checked September 26, 2026

    Backs: Legal entity, Lender type

    “This domain, www.wingbank.com.kh is owned and operated by Wing Bank (Cambodia) Plc.”

  • wingbank.com.kh/en/wing-digital-loan checked September 26, 2026

    Backs: Features, Funding time

    “Instant Approval in Minutes”

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

Not confirmed yet: Credit check, Representative example.

Wing Bank

Wing Bank

A personal loan up to $22,000 with fixed pricing and app based funding.

9.3/10See alternatives

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