Term Deposit

With a J Trust Royal Term Deposit Account, you can sit back and relax as the return on your savings is maximized over an agreed timeframe.

Features & Benefits

  • Low initial deposit
  • Choice of KHR or USD account
  • High rate of interest depending on the term and amount you invest
  • Interest is calculated on a daily basis and paid out at the maturity
  • No account-keeping fee
  • Free access to Mobile Banking
  • Automatically reinvest funds for another term
  • Add extra funds or withdraw part of all the funds on maturity

Interest Rate & Fee Charge

Maintenance FeeFree
Dormant FeeFree
Early Closure FeeUSD 20 or KHR 80.000 (first half of the tenor period)
Term Deposit Interest Rate (p.a.)
USD1 Month3 Months6 Months1 Year
$1,000 - < $1M0.75%1.50%3.00%3.75%
≥ $1M1.00%1.75%3.25%4.00%
RIEL [KHR]1 Month3 Months6 Months1 Year
USD 1,000 equivalent or above3.25%3.50%4.00%5.50%

* Standard Interest Rate indicated above will be revised effective from 01 June 2026 onward.

Requirement / How To Apply

To apply, kindly visit the nearest J Trust Royal branch and talk to one of our friendly Personal Bankers with the following:

  • National Identification Document (NID)/Identity Document Issued by an official authority/Passport & Work Permit (for foreigners)
  • Minimum initial deposit of USD 1,000 or KHR 4.000.000

Reference