1. CamFinTech
  2. /
  3. Regulatory Instruments
  4. /
  5. NS/RKM/1199/13
Law

NS/RKM/1199/13

Law on Banking and Financial Institutions

The parent statute for banking and financial activity in Cambodia. Almost every NBC Prakas a FinTech encounters is made under it, and its penalty article is the one the NBC reaches for when a Prakas is breached.

Regulatory information — not legal or tax advice

Cambodian instruments change, and are sometimes deferred after being announced. Every page here shows the date its contents were last verified and links to the source it was verified against — check both before relying on anything. Reserved work, meaning legal opinions, tax filings and licence applications, belongs with Bar-admitted counsel and licensed tax agents. CamFinTech advises clients on process; it does not represent them before any regulator.

Issuer
National Assembly of Cambodia
Issued
18 November 1999
Legal force
In force
Sectors
Banking · Payments
Verified
31 August 2026

Who it binds

Banks and financial institutions operating in Cambodia, and the activities its Articles 2 to 4 define as banking and financial activity.

What it requires

  • Articles 2 to 4 define the scope of banking and financial activity. Prakas made under the law take their perimeter from those articles — the NBC’s cryptoasset Prakas states in its own Article 1 that it manages cryptoasset transactions "in accordance with Article 2 to 4" of this law.
  • Article 52 carries the penalty regime. Where an NBC Prakas is breached, the sanctions applied are those of Article 52 — the cryptoasset Prakas points there expressly at its Article 22.

What it does not cover

The limits of an instrument decide whether it applies to you, and are rarely published. These are stated from the instrument itself.

  • Non-bank financial services. Securities, insurance, trusts, accounting and real estate sit under the NBFSA and its own 2021 law, not this one.
  • Digital assets held for investment, which are securities activity under SERC.
  • Commercial and e-commerce permissions, which belong to the Ministry of Commerce.
  • Operational detail of any kind. This is a framework statute; the requirements a FinTech actually meets live in the Prakas made under it.

Sources

  • Cited by number and date in the preamble to Prakas B7-024-735 (official English translation, PDF)National Bank of Cambodia · primary source

Related

  • B14-017-161 P.K — Prakas on the Management of Payment Service Institutions
  • B7-024-735 — Prakas on Transaction Related to Cryptoassets
  • How to Get a FinTech License in Cambodia
  • Cambodia FinTech Regulation: Complete Licensing and Compliance Framework

How CamFinTech Can Help

Core Rail Integrations

  • CamDX / eKYC Enablement
  • Bakong / KHQR Integration
  • CamInvoice Readiness
  • CamInvoice SP-Enablement

Strategic Services

  • Licensing-Readiness
  • Market-Entry Consulting

Risk & Security

  • AML-Programme Design
  • Security / Pentesting
  • Data-Protection Protocols
  • DASP Approval-Readiness· flagship

Enablement

  • Professional Training & Knowledge Transfer

Fee-only. We build the client-side integration ourselves, or bring in an accredited Service Provider as a disclosed sub-contract. We never hold client funds and never operate a rail.

Book a Consultation
← All regulatory instruments