Wallets/wing-cambodia
Wing Bank Cambodia
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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 [1, 2, kh-cro]. 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 [1, 2].
End-2025 — AI chatbot powered by AI language model in Khmer launch distinctive Cambodian banking Khmer AI chatbot innovation [3].
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 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]] (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 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 [1, 2, 3]:
- 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 Wing is now a Big Bank! — Wingbank Cambodia
- 2 Wing Bank: A case study on using AI in mobile money — GSMA
- 3 Wing Bank's Digital Revolution: From Humble Beginnings to a Cashless Cambodia — SCMP
- kh-cro In-corpus:
reports/countries/KH-cambodia.md
Source
Biography extracted from wing-cambodia.md. See matrix.md for standards-support matrix if present.