Cambodia uses Khmer riel, while US dollars also circulate in many parts of the economy. Cards and QR payments are increasingly visible, but cash remains useful—especially for small purchases and travel beyond major centres.
Do not rely on an exchange rate or ATM fee copied from an old travel article. Check the displayed terms before confirming a withdrawal or exchange, and use the National Bank of Cambodia for the official reference rate.
A practical payment mix
Daily spending
Khmer riel
Useful for markets, local transport, food and small purchases. Learn the notes gradually and count change before leaving.
Backup
US dollars
Accepted in many places, although practice varies. Clean notes are easier to use than damaged or heavily marked ones.
Larger purchases
Cards
Common at many hotels and established businesses, but acceptance, surcharges and terminal reliability vary.
Digital option
QR payments
KHQR is widespread. The official Bakong Tourists app gives eligible international visitors a way to make local digital payments; setup and funding options should be checked before relying on it.
Using cash machines and exchange services
Use an established locationPrefer an ATM attached to or clearly operated by a recognised bank.
Read every promptCheck the currency, withdrawal fee and any conversion offer before accepting.
Keep a second methodStore a backup card or emergency cash separately from your daily wallet.
Exchange transparentlyConfirm the rate and total amount before handing over money; count it at the counter.
Small habits that prevent problems
Tell your bank about your journey if required, keep card support numbers somewhere separate and enable transaction alerts. Avoid displaying a large amount of cash. In smaller towns, islands and rural areas, withdraw or exchange before you need it rather than assuming the next stop has the same facilities.
Carry enough cash for the day, one working digital or card option, and one backup stored separately. No single method works everywhere.