Looking for a safe and reliable way to grow your money? With a Term Deposit, you can earn guaranteed returns while knowing exactly how much your savings will grow. From short-term plans to long-term goals, your interest rate is locked in from day one, giving you confidence and security throughout your journey.  

 

Start with as little as USD 10 or KHR 40,000 and let your savings work harder for you.  

Grow Your Money with Confidence

A Term Deposit is ideal when you want stability, predictability, and steady growth. It helps you plan without worrying about market changes or fluctuating rates.

Enjoy guaranteed interest for the entire term

Keep your savings safe and secure with a regulated banking system

Choose flexible terms from 1 to 60 months (about 5 years)

Open and manage your deposit easily through the Wing Bank App

Perfect for education, travel, business, or long-term financial planning

Key Features: 

 

  • Minimum deposit: USD 10 or KHR equivalent 
  • Currency options: USD or KHR 
  • Interest payout: Monthly or at maturity 
  • Flexible Terms: 1 to 60 months (about 5 years) 
  • Full visibility: Track your deposit anytime in your app dashboard 
  • Open anytime via the Wing Bank App or at any Wing branch 

 

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Interest Rates 

 

Term USD (Maturity) KHR (Maturity) USD (Monthly) KHR (Monthly) 
1 Month 2.00% 2.00% N/A N/A 
2 Months 2.10% 2.10% 1.85% 1.85% 
3 Months 2.50% 2.50% 2.25% 2.25% 
4 Months 2.60% 2.60% 2.35% 2.35% 
5 Months 2.70% 2.70% 2.45% 2.45% 
6 Months 3.50% 3.50% 3.25% 3.25% 
7 Months 3.60% 3.60% 3.35% 3.35% 
8 Months 3.70% 3.70% 3.45% 3.45% 
9 Months 4.00% 4.00% 3.50% 3.50% 
10 Months 4.10% 4.10% 3.60% 3.60% 
11 Months 4.20% 4.20% 3.70% 3.70% 
12 Months 4.50% 4.50% 4.00% 4.00% 
18 Months 4.50% 4.50% 4.00% 4.00% 
24 Months 4.50% 4.50% 4.00% 4.00% 
36 Months 5.50% 5.50% 4.00% 4.00% 
48 Months 5.50% 5.50% 4.00% 4.00% 
60 Months 5.50% 5.50% 4.00% 4.00% 

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Simple Conditions 

 

Item Detail 
Minimum Deposit USD 10 / KHR 40,000 
Interest Payment Monthly / At Maturity / At Closure 
Partial Withdrawal Not allowed 
Premature Withdrawal Savings rate (if linked to savings) / 0% (if linked to current) 
Deposit Methods Wing Bank App / Wing Branches 
Certificate Free (Original) / USD 5 (Re-issue) 
Withdrawal Full amount at maturity or closure 
Tax 6% (Resident), 14% (Non-resident) 
Rollover Principal only or Principal & interest 

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Made Simple, From Start to Finish 

 

Opening a Term Deposit is quick and hassle-free. Choose your amount, select your terms, and lock in your rate—all in just a few taps. Once opened, you can easily monitor your interest and maturity date directly in the Wing Bank App. 

 

How to Open a Term Deposit  

 

Open Through the Wing Bank App  

 

Opening a Term Deposit in the app is quick and easy—no paperwork is needed. 

 

  1. Open the Wing Bank App. 
  2. Tap New Account from the main menu 
  3. Tap Term Deposit  
  4. Select your term, currency, and interest payout option 
  5. Enter your deposit amount. 
  6. Confirm with your PIN — your Term Deposit opens instantly. 

Open at a Wing Bank Branch 

 

Prefer in-person assistance? Our staff are happy to help.

 

  1. Visit the nearest Wing Bank branch 
  2. Bring your National ID or Passport --- For foreigners, passport and visa should be valid for at least 6 months 
  3. Inform our staff that you would like to open a Term Deposit 
  4. Complete the form — your account will be opened on the spot 

 

Open Through Wing Bank App

Scan this QR code to open your Term Deposit directly from the Wing Bank App.

If you are reading on mobile, tap the link below:

START HERE ->

Start Growing Your Money Today 

 

Whether you’re planning ahead or simply want your savings to earn more, a Term Deposit helps you grow your money with certainty and ease. Lock in a guaranteed rate and watch your savings grow. 

 

 

Term Deposit Calculator 

 

Planning your savings is easier when you can see the potential returns clearly. Our Term Deposit Calculator helps you estimate how much interest you could earn based on your chosen amount and term.  

It’s a straightforward way to plan important goals such as saving your child’s education, a special trip, retirement, or other important milestones. 

 

How to Use the Calculator 

 

  1. Select your preferred currency (US Dollar or Khmer Riel) 
  2. Enter the initial deposit amount (whole numbers only) 
  3. Choose the type of Term Deposit 
  4. Select the deposit term 

The calculator will instantly show an estimate of your potential interest, helping you make confident, informed decisions.  

 

Contact Us for Support 

 

Need help or have questions? Our team is ready to assist you: 

  • Visit any Wing Bank Branch to speak with our team. 
  • Call our customer service at 023 999 989 
  • Chat or call via the “Help” feature in the Wing Bank app 
  • Message our verified Wing Bank Facebook page 

Frequently Asked Questions

Need help with something? You'll find answers to our most frequently asked questions here.
1. How many term deposit accounts can I have?
There is no limit. You can have as many term deposit accounts as you want.
2. How can I request a term deposit certificate?
You can request your term deposit certificate by visiting a nearby Wing Bank branch to get it printed for you.
3. Can I open a term deposit account with a current account?
Yes, you can, but in case of premature withdrawal, you will not get any interest.
4. How can I know if the interest was paid to my savings or current account?
You will receive a notification with the amount of interest you have earned via Wing Bank App
5. Will this new interest rate apply to existing term deposit accounts?
Only new term deposit accounts and rollover from existing accounts will be applied with new rate.
6. What happens if I close my term deposit account before the maturity date?
You can close your term deposit account and withdraw money at any Wing Bank branch without any fee. If you withdraw your money before the maturity date of your term deposit, you will earn the interest rate of a savings account, or no interest at all, depending on the type of account you have.