Cambodia Currency & Money Guide: Exchange, Cards, and Tips

Cambodia uses a dual-currency system featuring the US Dollar (USD) and the Cambodian Riel (KHR), though the government is currently prioritizing the Riel for small transactions. To travel smoothly, carry crisp, undamaged USD bills for larger purchases and use KHR for small items like street food or tuk-tuks. For the best experience, use the Hello app to track your multi-currency spending and stay connected with a Hello eSIM to access local digital payment apps.

Cambodia operates on a unique dual-currency system where the US Dollar (USD) and Cambodian Riel (KHR) are used interchangeably. While larger transactions are often quoted in USD, the KHR is increasingly used for smaller change and daily purchases, with a standard exchange rate of 4,000 to 4,100 KHR per $1 USD.

In recent years, the National Bank of Cambodia has moved to "de-dollarize" the economy by phasing out small USD bills ($1, $2, and $5). Consequently, you will likely receive your change in Riel even if you pay in Dollars. A critical rule for Cambodia money tips is the "clean bill" policy: vendors are incredibly strict about the condition of USD. A tiny tear, a folded corner, or a ink mark can render a $20 bill useless in Cambodia.

Managing two currencies simultaneously can be confusing for your budget. This is where the Hello app becomes an essential travel companion. Its expense tracking feature allows you to log costs in both USD and KHR, using automatic exchange rates to show you exactly how much you are spending in your home currency. Whether you are buying a $0.50 iced coffee or a $50 dinner, Hello keeps your finances organized without the mental math.

For the best Cambodia exchange rate, visit local money changers near markets rather than banks or airports, where rates are often less favorable. As of early 2026, 1 Singapore Dollar (SGD) converts to approximately 3,050 KHR, making Cambodia an affordable destination for regional travelers.

If you are arriving with SGD or other foreign currencies, look for the small, glass-cased currency stalls near Central Market (Phsar Thmey) in Phnom Penh or the Old Market in Siem Reap. These family-run businesses often offer better rates than official bank branches. According to the National Bank of Cambodia, the Riel has remained remarkably stable against the USD for over a decade, usually hovering around the 4,100 mark.

When exchanging money, always count your cash before leaving the window. If you're traveling from Singapore, it is often easier to withdraw USD directly from a local ATM or bring USD cash from home, as SGD is not accepted at local shops. To stay updated on live rates while on the move, ensure you have a Hello eSIM for Cambodia for instant data access.

Credit card acceptance is growing in major cities like Phnom Penh and Siem Reap, but cash remains king in rural areas. Most ATMs charge a flat fee of $4 to $6 per withdrawal for foreign cards, so it is wise to withdraw larger amounts at once to minimize costs.

While high-end hotels and restaurants in Cambodia will gladly accept Visa and Mastercard, smaller guesthouses and local eateries are cash-only. A significant digital shift is occurring with the Bakong system and KHQR codes. This local payment network allows users to pay via QR code at almost every stall. While usually linked to a local bank account, some international travel cards are beginning to integrate with these systems.

To use these digital services or check your bank balance securely, you will need a reliable internet connection. Activating a Hello eSIM before you land ensures you have the data needed to navigate banking apps safely. If you are traveling with friends, the Hello app’s expense splitting feature is perfect for dividing up those shared tuk-tuk rides or group dinners, even if everyone is paying in different currencies.

Tipping is not mandatory in Cambodia but is highly appreciated, especially in the service industry where wages are low. A small tip of 2,000 to 4,000 KHR (roughly $0.50 to $1) for a tuk-tuk driver or restaurant server is considered generous and polite.

In upscale restaurants, a 10% service charge might be added to the bill, but this doesn't always reach the staff. In these cases, leaving an extra dollar or two in cash is a kind gesture. For tour guides, especially those at Angkor Wat who spend hours in the heat, a tip of $5 to $10 per day is standard practice.

According to the Cambodia Ministry of Tourism, the country saw a 27% increase in international arrivals in early 2024, leading to a more formalized service culture in tourist hubs. When tipping, try to use KHR for smaller amounts. It helps keep the local currency in circulation and avoids the "damaged bill" issues associated with small USD denominations. If you're unsure how much you've tipped over the course of your trip, the Hello app’s AI-powered categorization can help you see exactly how much of your budget is going toward service and gratuities.

Navigating Cambodia's finances often brings up questions regarding bill quality and digital apps. This section answers the most frequent queries about using ATMs, the necessity of the Riel, and how to handle damaged currency to ensure a smooth trip in 2026.

Can I use my phone to pay in Cambodia? Yes, through KHQR codes. While it primarily requires a local bank account, many travelers use apps like Grab (linked to a credit card) for transport and food delivery to minimize cash handling.

What happens if my USD bill is slightly torn? Most vendors will refuse it. If you find yourself with a damaged bill, try depositing it at a major bank like ABA or Canadia Bank, though they may charge a small fee (usually 10-20%) to take it.

Is it better to use USD or KHR? For anything under $5, use Riel. For larger purchases like hotel stays or temple passes, USD is preferred. Using Riel for small purchases often saves you money, as vendors may round up the exchange rate in their favor if you pay in USD.

Are there many ATMs in Cambodia? In cities, yes. In rural areas or on islands like Koh Rong, ATMs are scarce or frequently out of service. Always carry enough cash when leaving major urban centers.

Save money in Cambodia by eating at local markets, booking transport through apps like PassApp or Grab, and avoiding high ATM fees by bringing some USD cash. Tracking your daily expenses in the Hello app helps you stay within your budget while exploring the wonders of the Khmer Empire.

In 2026, a budget traveler can expect to spend $30-$50 per day, while a mid-range experience costs between $70-$120. A meal at a local market costs around 8,000 to 12,000 KHR ($2-$3), whereas a mid-range restaurant meal in 2026 will likely cost $15-$25.

One of the best ways to save is to avoid "tourist pricing" on transport. Always use a ride-hailing app to get a fair, fixed price rather than negotiating with a driver on the street. Another tip is to buy the multi-day Angkor Pass ($62 for 3 days) if you plan on visiting the temples more than once, as it offers better value than single-day tickets.

Finally, use the Hello app to scan your receipts. The AI receipt scanning works in any language, meaning it can read Khmer receipts and instantly convert the total into your home currency. This prevents "budget creep" and ensures you have more money left for what matters—like a sunset boat ride on the Tonle Sap.