KHQR Bank Transfer System in Cambodia

What is KHQR?

KHQR (Khmer QR) is Cambodia’s national standard QR code system for cashless payments and bank transfers. It was introduced by the National Bank of Cambodia (NBC) to make digital transactions faster, easier, and more secure. With just a smartphone, users can transfer money instantly between different banks and payment providers across the country.

How KHQR Works?

Scan – Open your mobile banking or payment app and scan the KHQR code.
Enter Amount – Input the transfer or payment amount.
Confirm – Verify details and confirm. The transfer is completed instantly.

Unlike other QR systems, KHQR is interoperable – meaning no matter which Cambodian bank or e-wallet you use, you can scan and pay with the same KHQR code.

Key Benefits of KHQR

✅ Fast & Convenient – Instant transfer between different banks.
✅ Nationwide Acceptance – One code works with all participating banks and payment providers.
✅ Secure – Built under the National Bank of Cambodia’s standardized payment system.
✅ Cashless Lifestyle – Perfect for everyday purchases, bill payments, and business transactions.
✅ Cross-Border Potential – KHQR is expanding cooperation with regional countries for future international use.

KHQR for Businesses

For businesses in Cambodia, adopting KHQR means:

Easy collection of payments from customers using any bank app.
No need for multiple QR codes from different banks.
Reduced cash handling, making transactions safer and more transparent.

Why KHQR Matters

Cambodia is moving towards a cashless economy, and KHQR is at the heart of this transformation. It’s designed to support financial inclusion, reduce transaction costs, and make banking accessible to everyone—from street vendors to large corporations.

Whether you are paying for coffee, shopping at the market, or transferring money to family, KHQR makes it simple, fast, and reliable.