Fixed Deposits | Oriental Bank

Let your money work for you.

Also known as Time Deposit/Term Deposit, this is a contract between a depositor and the bank whereby the depositor agrees to place a fixed amount of money for a fixed period of time and the bank will pay the interest rate agreed upon at the time of placement at maturity.

Benefits

Serves as a short to medium term investment where you can place your money in the bank for i.e., 3 months, 6 months, 9 months or 12 months.
Open to everyone, including individuals who are 18 years old and above, sole proprietor, companies etc.
Allows individuals and corporate customers to place a fixed sum of funds in USD/KHR with a higher interest rate compared to Savings Accounts and interest bearing Current Accounts.

c-NEST

Interest on Maturity

A classic option for clients that are looking to receive their interest payout on maturity.

c-NEST SILVER

Monthly Interest

Gives our clients the option to receive the pre-determined interest payout every month, earned on their deposit amount. It works best for clients that prefers to receive a passive income every month.

Interest Rates

Note

Interest on the Fixed Deposit Account is subject to withholding tax: 6% for resident and 14% for non-resident.
Interest on Maturity – Interest income will be credited into the customer's account on the maturity date.
Monthly Interest – Interest income will be credited into the customer's account on a monthly basis.
Advance Interest – Interest income will be credited into the customer's account on the date the account is opened.
Pre-mature withdrawal –No interest income will be issued to pre-mature withdrawals within the first 3 months. Interest rates from Everyday account will apply to pre-mature withdrawals above 3 months until the maturity date. For monthly/advance interests, such interest income that have been credited prior to the pre-mature withdrawal of the placement will be deducted from the principle before it is released to the customer's account.

Eligibility & Documents Required

Sole proprietorship/Partnership:

ID card/passport
Business license, registration letter from Ministry of Commerce (MOC), insurance license, registration letter from Ministry of Economy and Finance (MOEF), Patent, VAT certificate.
Specimen card of the bank.

Registered organization, associations, societies, and companies etc,:

Identity card/passport of all authorized signatories.
List of the Board of Directors/Committee members.
Company's certificate of incorporation or registration business license, registration letter for Ministry of Commerce (MOC), insurance license, registration letter from Ministry of Economy and Finance (MOEF), patent, VAT certificate. Memorandum & Articles of Association (M&A)/By Laws/Rules & Regulations Duly signed copy of the copy of the Account Rules and Specimen card of the bank by the authorized signatories.

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