Customer Agreements Update History

 

To support transparency, this page provides the latest customer agreements and previous versions for Wing Bank customers.

 

Each agreement includes the effective date and a short summary of key changes, so customers can easily understand what has been updated and which version applies to their product or service.

1. For Individual Customer

 

Customer Master Agreement of Wing Bank Version 3.0

Effective from [Date] 2026 [View PDF]

 

Summary of Changes

  • Expanded the customer agreement to cover applicable products and services from Royal Group of Companies, including: Wing Bank (Cambodia) Plc., Royal Group Securities, Royal Group Insurance and Cam GSM Co., Ltd. (Cellcard)
  • Added clearer guidelines on data privacy, customer responsibilities, and security requirements.
  • Updated compliance and service usage rules to meet current regulations of each company under Royal Group of Companies.

 

Customer Master Agreement of Wing Bank Version 2.0
Released on 01 January 2026 [View PDF]
 

Customer Master Agreement of Wing Bank Version 1.0
Released on 03 September 2023 [View PDF]
 

Customer Master Agreement of Other Companies Version 1.0 [Visit Website]
Effective from [Date] 2026


Customer Master Agreement of Royal Group Securities Version 1.0 [Visit Website]
Effective from [Date] 2026

 

Customer Master Agreement of Royal Group Insurance Version 1.0 [Visit Website]
Effective from [Date] 2026

 

Customer Master Agreement of Cam GSM Co., Ltd. (Cellcard) Version 1.0 [Visit Website]
Effective from [Date] 2026

2. For Corporate Customer

 

Corporate Account Opening Terms & Conditions 4.0
Released on 01 January 2026 [View PDF]

 

Summary of Changes

  • Initial release of Corporate Account Opening Terms & Conditions.
  • Covered the fundamental requirements for opening and maintaining business or corporate accounts.
  • Outlined basic responsibilities related to information accuracy, account activity, and compliance.


Corporate Account Opening Terms & Conditions Version 3.0 [View PDF]
Effective from [Date] 2026

 

Corporate Account Opening Terms & Conditions Version 2.0 [View PDF]
Effective from [Date] 2026

 

Corporate Account Opening Terms & Conditions Version 1.0 [View PDF]
Effective from [Date] 2026
 

Stay Updated

 

Customer agreements may be updated from time to time to reflect changes in products, services, regulations, compliance requirements, or customer protection standards.

 

Please review the latest version before using Wing Bank products and services.

Frequently Asked Questions

Need help with something? You'll find answers to our most frequently asked questions here.
1. What is Customer Master Agreement?
Customer Master Agreement is an agreement consisting of customers’ general agreement and specific agreement for each product and service of Wing Bank. This agreement will be valid on its acceptance (one-off acceptance concept) but terms and conditions of specific products and services will be effective only on activation of such service/product respectively. Customer Master Agreement is applicable for individual customer only.
2. When does Customer Master Agreement apply to me?
For New Customer: The Customer Master Agreement will be immediately applied upon your acknowledgement/acceptance. For Existing Customer: The Customer Master Agreement will be applied within 30 days upon your receipt of Wing Bank’s notice.
3. How does Customer Master Agreement work?
Customer Master Agreement is an agreement consisting of customers’ general agreement and specific agreement for each product and service of Wing Bank. The customer service agreement of each service will be applied at your activation or using of such service only. Ex: You access QR payment feature on Wing Bank App to process payment to merchant so Customer Agreement on Payment Service will be applied.
4. Do I have to accept the Customer Master Agreement?
Yes, you must accept the Customer Master Agreement when starting the relationship with Wing Bank (i.e. account opening). This agreement is an important agreement that covers necessary agreement between customers and the bank and covers general agreement on certain products and services.
5. Is Customer Master Agreement negotiable?
No, Customer Master Agreement is not negotiable or amended. Customer Master Agreement consists of general agreement to protect both sides’ interest (bank and customers) and to the extent permitted by the applicable laws. This agreement will be applied as standard to all individual customers.
6. How to accept Customer Master Agreement?
You can accept Customer Master Agreement with the following method: - During account opening at branch or on Wing Bank App or on E-KYC App (Initiated by Wing Staff or Wing Agent only) - Card activation on Wing Bank App - Processing cash out service at Wing Agent’s counter
7. If after acceptance, I use any of the bank’s products and services, will I need to accept this Customer Master Agreement again?
Customer Master Agreement is a onetime-off acceptance requirement. You are not required to re-accept Customer Master Agreement while using Wing Bank’s services/products. Ex: You visit Wing’s agent to process cash-out so Customer Agreement on Payment Service which is a part of the your accepted Customer Master Agreement will be applied automatically.
8. If I accept the Customer Master Agreement on Wing Bank App, do you I need to accept this agreement again when I cash out?
Once you accept Customer Master Agreement on Wing Bank App or any platforms made available by Wing Bank, you are not required to re-accept Customer Master Agreement. It’s onetime-off acceptance only.

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