# Wing Bank Cambodia

> Source: https://docs.barcoder.ai/docs/wallets/wing-cambodia
> research date 2026-05-30 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Wing Bank — official](https://www.wingbank.com.kh/)

## Overview

**Wing Bank Cambodia** is **full-fledged Cambodian commercial bank since 2022** + **13M+ users** + **500+ corporate companies + 10 government agencies using payroll and disbursement services** + **80,000+ merchant partners** + **30 branches + 12,000 agents + 200 master agents** + **USD 3B+ deposits + nearly USD 4B assets** <sup>[1][1], [2][2], [Cambodia report](https://docs.barcoder.ai/docs/payments/KH)</sup>. **2025 baseline**: Wing Bank 13M+ users + 500+ corporate companies + 10 government agencies + 80,000+ merchant partners + 30 branches + 12,000 agents + 200 master agents + USD 3B+ deposits + nearly USD 4B assets; **End-2025 AI chatbot powered by AI language model in Khmer launch** distinctive Cambodian banking Khmer AI chatbot innovation; **13 years of servicing Cambodia + Wing Bank now a full-fledged commercial bank utilizing its large user bases, innovative digital technology, problem-solving products and services**.

**Distinctive Wing Bank Cambodia positioning**:
- **Full-fledged Cambodian commercial bank since 2022** (Wing Bank (Cambodia) Plc; previously micro-finance + agent banking license)
- **13M+ users** distinctive Cambodian mobile money + commercial banking scale
- **500+ corporate companies + 10 government agencies using payroll and disbursement services** distinctive Cambodian corporate + government banking penetration
- **80,000+ merchant partners** distinctive Cambodian merchant acquiring scale
- **30 branches + 12,000 agents + 200 master agents** distinctive Cambodian commercial bank + agent banking network scale
- **USD 3B+ deposits + nearly USD 4B assets** distinctive Cambodian commercial bank deposit + asset scale
- **End-2025 AI chatbot powered by AI language model in Khmer launch** distinctive Cambodian banking Khmer AI chatbot innovation
- **2009 Wing Mobile founding by ANZ Royal Bank Cambodia spinoff** distinctive Cambodian mobile money pioneer heritage

## History

**2009 — Wing Mobile founded by ANZ Royal Bank Cambodia spinoff** distinctive Cambodian mobile money pioneer heritage.

**2014 — Wing licensed by NBC as Cambodian Specialized Bank** distinctive Cambodian mobile money + specialized banking license expansion.

**2017 — Standard Chartered + Refresh Group + Wing buyout from ANZ Royal Bank Cambodia post-Wing Specialized Bank development**.

**2022 — Wing Bank (Cambodia) Plc upgraded to full-fledged Cambodian commercial bank** distinctive Cambodian commercial banking license upgrade.

**2025 — Wing Bank 13M+ users + 500+ corporate companies + 10 government agencies + 80,000+ merchant partners + 30 branches + 12,000 agents + 200 master agents + USD 3B+ deposits + nearly USD 4B assets** <sup>[1][1], [2][2]</sup>.

**End-2025 — AI chatbot powered by AI language model in Khmer launch** distinctive Cambodian banking Khmer AI chatbot innovation <sup>[3][3]</sup>.

## Ownership & operator

**Operating entity**: **Wing Bank (Cambodia) Plc** (privately-held; full-fledged commercial bank since 2022; partner: Standard Chartered ex-investor + ANZ Royal Bank Cambodia spinoff heritage).

**Major shareholders**: **Refresh Group (Cambodian conglomerate) + Cambodian institutional + retail + foreign investors + Standard Chartered (ex-investor; 2017 buyout from ANZ Royal Bank Cambodia)**.

**Regulator**: **NBC (National Bank of Cambodia)**.

## Technical integration

Wing Bank mobile banking app (iOS + Android; 13M+ users) + wingbank.com.kh online + Wing Bank 30 branches + 12,000 agents + 200 master agents + Wing Bank Visa + Mastercard + UnionPay cards; Cambodia KHQR + Bakong (NBC blockchain-based national payment system); **End-2025 AI chatbot powered by AI language model in Khmer launch** distinctive Cambodian banking Khmer AI chatbot innovation + **Wing Bank waives off fees for Wing-to-Wing money transfer** distinctive Cambodian mobile money zero-fee P2P transfers + Wing Bank corporate + government payroll and disbursement services + Wing Bank merchant payment solutions.

## Users & growth

**2025**: Wing Bank 13M+ users + 500+ corporate companies + 10 government agencies using payroll and disbursement services + 80,000+ merchant partners + 30 branches + 12,000 agents + 200 master agents + USD 3B+ deposits + nearly USD 4B assets.

## Use cases

Cambodian retail + private + business + SME + commercial + corporate + government payroll + merchant acquiring + mobile money + agent banking + Khmer AI chatbot via Wing Bank mobile + wingbank.com.kh online + Wing Bank 30 branches + 12,000 agents + 200 master agents + Visa/Mastercard/UnionPay cards; Cambodia KHQR + Bakong (NBC blockchain-based national payment system); **End-2025 AI chatbot powered by AI language model in Khmer launch** distinctive Cambodian banking Khmer AI chatbot innovation + **Wing Bank waives off fees for Wing-to-Wing money transfer** distinctive Cambodian mobile money zero-fee P2P transfers.

## Implementations & partners

**Operator**: Wing Bank (Cambodia) Plc (privately-held; full-fledged commercial bank since 2022; partner: Standard Chartered ex-investor + ANZ Royal Bank Cambodia spinoff heritage); Refresh Group (Cambodian conglomerate) + Cambodian institutional + retail + foreign investors + Standard Chartered (ex-investor; 2017 buyout from ANZ Royal Bank Cambodia).

**Cambodian government partnership**: **500+ corporate companies + 10 government agencies using payroll and disbursement services** distinctive Cambodian corporate + government banking penetration.

**Major Cambodian banking + mobile money competitors**: [ABA Mobile (ABA Bank Cambodia)](https://docs.barcoder.ai/docs/wallets/aba-mobile) (ABA Bank Cambodia ABA Mobile; National Bank of Canada parent ~99.9% controlling; 2M+ ABA Mobile users; Cambodia's leading commercial bank) + Sathapana Bank (Sathapana Bank Cambodia; Japanese Marubeni Corporation + Maruhan Japan Bank investors) + ACLEDA Bank (ACLEDA Bank Cambodia; CSE: ACLEDA; one of Cambodia's largest commercial banks) + Prince Bank (Prince Bank Cambodia; Prince Holding Group affiliated; Cambodian commercial bank) + Chip Mong Bank (Chip Mong Bank Cambodia; Chip Mong Group conglomerate affiliated) + Canadia Bank (Canadia Bank Cambodia; one of Cambodia's largest commercial banks) + [TrueMoney](https://docs.barcoder.ai/docs/wallets/truemoney) (Thai dominant mobile wallet; CP Group + Ant Financial JV; also operates in Cambodia).

**Regulator**: NBC.

## Fun facts

- **Full-fledged Cambodian commercial bank since 2022** (Wing Bank (Cambodia) Plc; previously micro-finance + agent banking license).
- **13M+ users** distinctive Cambodian mobile money + commercial banking scale.
- **500+ corporate companies + 10 government agencies using payroll and disbursement services** distinctive Cambodian corporate + government banking penetration.
- **80,000+ merchant partners** distinctive Cambodian merchant acquiring scale.
- **30 branches + 12,000 agents + 200 master agents** distinctive Cambodian commercial bank + agent banking network scale.
- **USD 3B+ deposits + nearly USD 4B assets** distinctive Cambodian commercial bank deposit + asset scale.
- **End-2025 AI chatbot powered by AI language model in Khmer launch** distinctive Cambodian banking Khmer AI chatbot innovation.
- **2009 Wing Mobile founding by ANZ Royal Bank Cambodia spinoff** distinctive Cambodian mobile money pioneer heritage.

## Comparison

| Feature | Wing Bank Cambodia | [ABA Mobile (ABA Bank Cambodia)](https://docs.barcoder.ai/docs/wallets/aba-mobile) (ABA Bank Cambodia rival; National Bank of Canada parent ~99.9% controlling; 2M+ ABA Mobile users) | Sathapana Bank (Sathapana Bank Cambodia rival; Japanese Marubeni + Maruhan investors) | ACLEDA Bank (ACLEDA Bank Cambodia rival; CSE: ACLEDA) | Chip Mong Bank (Chip Mong Bank Cambodia rival; Chip Mong Group conglomerate affiliated) |
|---|---|---|---|---|---|
| Operator | **Wing Bank (Cambodia) Plc (privately-held; full-fledged commercial bank since 2022; partner: Standard Chartered ex-investor + ANZ Royal Bank Cambodia spinoff heritage)** | ABA Bank Cambodia (National Bank of Canada parent ~99.9% controlling) | Sathapana Bank Cambodia (Japanese Marubeni Corporation + Maruhan Japan Bank investors) | ACLEDA Bank Cambodia (CSE: ACLEDA) | Chip Mong Bank Cambodia (Chip Mong Group conglomerate affiliated) |
| Type | **Full-fledged Cambodian commercial bank since 2022 + 13M+ users + 500+ corporate companies + 10 government agencies using payroll and disbursement services + 80,000+ merchant partners + 30 branches + 12,000 agents + 200 master agents + USD 3B+ deposits + nearly USD 4B assets + End-2025 AI chatbot powered by AI language model in Khmer launch** | Cambodian commercial bank + National Bank of Canada parent ~99.9% controlling + 2M+ ABA Mobile users + Cambodia's leading commercial bank | Cambodian commercial bank + Japanese Marubeni + Maruhan investors | Cambodian commercial bank + one of Cambodia's largest commercial banks + CSE: ACLEDA listed | Cambodian commercial bank + Chip Mong Group conglomerate affiliated |
| Country | KH | KH | KH | KH + LA + MM | KH |
| Distinctive | **2009 Wing Mobile founding by ANZ Royal Bank Cambodia spinoff; 2014 Wing licensed by NBC as Cambodian Specialized Bank; 2017 Standard Chartered + Refresh Group + Wing buyout from ANZ Royal Bank Cambodia; 2022 Wing Bank (Cambodia) Plc upgraded to full-fledged Cambodian commercial bank; 2025 13M+ users + 500+ corporate companies + 10 government agencies + 80,000+ merchant partners + 30 branches + 12,000 agents + 200 master agents + USD 3B+ deposits + nearly USD 4B assets; End-2025 AI chatbot powered by AI language model in Khmer launch** | 1996 ABA Bank Cambodia founding; 2014 National Bank of Canada ~42% stake acquisition; 2016 National Bank of Canada ~99.9% controlling acquisition; 2M+ ABA Mobile users | 1995 Sathapana Bank Cambodia founding; 2016 Maruhan Group acquisition | 1993 ACLEDA founding as Cambodian Local Economic Development Agency NGO; 2003 ACLEDA Bank Cambodia commercial banking license; 2020 CSE ACLEDA IPO | Chip Mong Group founding (Cambodian Chinese-Cambodian conglomerate); Chip Mong Bank Cambodian commercial banking license |

## Status

**Active, full-fledged Cambodian commercial bank since 2022 + 13M+ users + 500+ corporate companies + 10 government agencies using payroll and disbursement services + 80,000+ merchant partners + 30 branches + 12,000 agents + 200 master agents + USD 3B+ deposits + nearly USD 4B assets** <sup>[1][1], [2][2], [3][3]</sup>:
- **Wing Bank (Cambodia) Plc (privately-held; full-fledged commercial bank since 2022; partner: Standard Chartered ex-investor + ANZ Royal Bank Cambodia spinoff heritage)** since 2009 Wing Mobile founding by ANZ Royal Bank Cambodia spinoff + 2014 Wing licensed by NBC as Cambodian Specialized Bank + 2017 Standard Chartered + Refresh Group + Wing buyout from ANZ Royal Bank Cambodia + 2022 Wing Bank (Cambodia) Plc upgraded to full-fledged Cambodian commercial bank.
- **Wing Bank 13M+ users + 500+ corporate companies + 10 government agencies + 80,000+ merchant partners**.
- **End-2025 AI chatbot powered by AI language model in Khmer launch**.
- **NBC regulated**.

## Sources

[1]: https://www.wingbank.com.kh/en/news/wing-is-now-a-big-bank "Wing is now a Big Bank! — Wingbank Cambodia"
[2]: https://www.gsma.com/solutions-and-impact/connectivity-for-good/mobile-for-development/blog/wing-bank-a-case-study-on-using-ai-in-mobile-money/ "Wing Bank: A case study on using AI in mobile money — GSMA"
[3]: https://www.scmp.com/presented/business/topics/driving-cambodias-cashless-future/article/3338028/wing-banks-digital-revolution-humble-beginnings-cashless-cambodia "Wing Bank's Digital Revolution: From Humble Beginnings to a Cashless Cambodia — SCMP"
[kh-cro]: https://docs.barcoder.ai/docs/payments/KH

- [1] [Wing is now a Big Bank! — Wingbank Cambodia][1]
- [2] [Wing Bank: A case study on using AI in mobile money — GSMA][2]
- [3] [Wing Bank's Digital Revolution: From Humble Beginnings to a Cashless Cambodia — SCMP][3]
- <sup>[Cambodia report](https://docs.barcoder.ai/docs/payments/KH)</sup> In-corpus: `reports/countries/KH-cambodia.md`

## Source

Biography extracted from [wing-cambodia.md](https://docs.barcoder.ai/source/wallets/wing-cambodia). See `matrix.md` for standards-support matrix if present.