Woori Bank (Cambodia) Plc. Mobile Banking Service

Please carefully read these Terms and Conditions before agreeing to use the Mobile Banking Service. If you do not understand, or are not sure about any aspect of these Terms and Conditions, please contact Woori Bank (Cambodia).

By clicking the "Agree" Terms and Conditions button when you register to the Mobile Banking, you agree to be bound by these Terms and Conditions.

These Terms and Conditions are applicable to the Mobile Banking Service in addition to, not in lieu of, any other terms and conditions that are applicable to the Eligible Savings Account(s) that are linked to your Woori WON Cambodia Banking.


1.1.        “Balance” means the balance in the Eligible Savings Account(s) as recorded in the Financial Institution.

1.2.        Minimum Balance” means the balance which is hold for initial account balance.

1.3.        “Client”, “you”, “your” and “yours” mean the customer who has used the Mobile Banking App and any other person who has used that App.

1.4.        “Daily Transaction Limits” means the maximum aggregated limit that is applicable on the Financial Transaction (carried out either in single or multiple occasions) in any one (01) calendar day or any other limit(s) to be introduced from time to time.

1.5.        “Eligible Savings Account(s) ” is/are the Savings Account(s) which the Client has with Woori Bank (Cambodia) Plc. and are eligible to be linked to and to conduct the Mobile Banking Service. The Savings Accounts which can be linked to the Mobile Banking Service are set out in Section 3.

1.6.        “FAST Payment” is a fund transfer and payment services in Khmer Riel across institutions, which enable customers to receive funds immediately. FAST Payment service is conducted through a platform hosted by the NBC. Currently, the Client can access this service at over 10 financial institution members. In the future, more financial institutions will join this service and the member list will be updated on the App from time to time. The Client who makes a fund transfer or initiates the transactions has to pay any and all processing fees set by the NBC in accordance with their stated progressive transaction amount.

1.7.        “Financial Institution” means the instruction licensed by NBC to carry out financial operations in Cambodia.

1.8.        “Financial Transaction” means any transfer made from a Savings Account to another account held within Woori Bank (Cambodia) Plc. or with other Financial Institution(s) or a payment made from a Savings Account to another account within Woori Bank (Cambodia) Plc. or any other type of financial transaction that is made available by Woori Bank (Cambodia) Plc. from time to time.

1.9.        “Loss” means loss that is suffered by a person as a result of any claim, demand, action or proceeding made or brought against that person and any loss, expense, liability or damage suffered or incurred by that person.

1.10.     “Mobile Banking App” or “App” means the application through which the Mobile Banking Service is provided and which may be compatible with a mobile device and an operation system as determined by Woori Bank (Cambodia) Plc.

1.11.     “Mobile Banking Service” or “Service” means those services set out in clause 2.4.

1.12.     “Mobile Banking User Account” is the user ID (user profile including username and password) which the Client receives when the Client registers for the Mobile Banking Service. This User Account is linked to the Client’s Eligible Saving Accounts as set out in Section 3.

1.13.     “NBC” means the National Bank of Cambodia.

1.14.     “OTP” means a one-time password which is sent as an SMS from Woori Bank (Cambodia) Plc. to the client’s registered phone number.

1.15.     “Scheduled Downtime” means a period of time scheduled by Woori Bank (Cambodia) Plc. for internal administrative purposes, during which access to Woori Bank (Cambodia) Plc. Mobile Banking Service is limited or restricted.

1.16.     “PIN” means a personal identify number that is created by user to bind with mobile banking account to authenticate either security changes or financial transactions.

1.17.     “Biometric” refer to technical term for metrics related to human characteristics involving the application of statistical analysis to biological data (Fingerprint or Face scan).

1.18.     “Security Details” means any security measures including username and password, the Security Code set by the Client and is required for first log in the App on a new device or for getting support from Woori Bank (Cambodia) Plc. ‘s Call Center, and or OTP to conduct a Financial Transaction.

1.19.     “Transfer” means a transfer from a Savings Account to another account within Woori Bank (Cambodia) Plc. or at other Financial Institution.

1.20.     ” Woori Bank (Cambodia) Plc. “, “we”, “us” and “our” mean Woori Bank (Cambodia) Plc.


2.1.        The Client must open or have a Savings Account with Woori Bank (Cambodia) Plc. and register for a Mobile Banking User Account by self-registration without coming to our branches in order to be able to use the Mobile Banking App. The App can be used only on a mobile device running an operating system supported by us.

2.2.        Using of update app, clients need to input information required and follow steps to complete the process.

2.3.        In the process self-registration of Mobile Banking, you may be asked to input your account or personal information to proceed. Upon successful registration, you need to use your username manually/auto remember and PIN or biometric authentication which is stated in Section 5 to sign in Woori WON Mobile banking app.

2.4.        When you sign in the Mobile Banking App on a new device for the first time, you are required to enter your correct required information in addition to the correct username, PIN and enter OTP.

2.5.        The App automatically sign out if you have not used it in the limit period time set (as default) and other kind of activities which lead to the app automatically sign out in the period set by Woori Bank (Cambodia) Plc..

2.6.        You can use the Mobile Banking App to:

–            Check the balance of your Woori Bank (Cambodia) Plc. account(s);

–            View all accounts that is allowed by us

–            View transaction history of your Woori Bank (Cambodia) Plc. account(s) within the period that was set by Woori Bank (Cambodia) Plc.;

–            Make a Transfer from your Woori Bank (Cambodia) Plc. account to other account(s) within Woori Bank (Cambodia) Plc.;

–            Make a Transfer from your Woori Bank (Cambodia) Plc. account to other account(s) of other Financial Institution that has joined NBC’s real-time FAST Payment service, and Bakong;

–            Make repayment to your or any other loan account within Woori Bank (Cambodia) Plc.;

–            Top up mobile phone balance;

–            Make bill payment to our billers partners; and

–            Carry out other services that may be added by us from time to time.

2.7.        You can make a Financial Transaction by entering the correct information and the correct PIN.

2.8.        When carrying out a Financial Transaction through the App, you will be given the opportunity to edit payment instructions and you will then be asked to confirm your payment instructions. By confirming your payment instructions, you allow us to make the Financial Transaction and you bear responsibility for the Loss if any of your payment instructions are not correct.

2.9.        Mobile Banking Service will only be available for mobile device and data connection which meet required specifications and configurations as may be specified from time to time by Woori Bank (Cambodia) Plc., and you agree to procure and maintain a mobile device and data connection which meet these requirements at your own expense. The charges from your mobile network operator may vary; the Client is responsible for these charges.

2.10.     The Daily Transaction are not limited amount per your linked Savings per your Mobile Banking User Account. They are limited based on transaction type.

2.11.     Woori Bank (Cambodia) Plc. may, from time to time, make change(s) to Service set out in clause 2.4 and the ways in which the App operates. Any continued use of any of our Mobile Banking Service(s) after the notice, shall constitute your acceptance of and agreement to the change(s).

2.12.     The Mobile Banking Service may have Scheduled Downtime. Woori Bank (Cambodia) Plc. may also, at its own discretion and without prior notice to the Client, temporarily suspend the operation of the Mobile Banking Service for updates, maintenance and upgrades, or for other. Woori Bank (Cambodia) Plc. shall not be liable for any loss, liability or damage which may incurred as a result of any such downtime or suspension.

2.13.     The scope, features and functionality of the Mobile Banking Service may vary from time to time. You agree and acknowledge that in the future Woori Bank (Cambodia) Plc. may add new services or discontinue any of the existing Mobile Banking Services.

2.14.     Some information on the App is linked from or to Woori Bank (Cambodia) Plc. website (www.wooribank.com.kh). This information is updated when the website is updated.

2.15.     Updates to the App may be released periodically via the App Store (iOS), the Play Store (Android), or a specific platform. Depending on devices, the App may be automatically updated or may require manual update. For some updates, you may not be able to use the App until the latest version is downloaded.



2.16.     You must not copy or reproduce all or any part of the Mobile Banking App.

2.17.     You must not modify or adapt all or any part of the Mobile Banking App.

2.18.     You must not remove or tamper with any copyright notice attached to or contained within the Mobile Banking App. All ownership of the Mobile Banking App remains with Woori Bank (Cambodia) Plc.

2.19.     You must not carry out reverse engineering of the Mobile Banking App.

2.20.     You must not use any Internet-based service to harm or impair anyone else’s use of the App, and must not use such service to try to gain unauthorized access to any Service, data or account by any means.


3.1.        Only individual savings accounts (Hope Savings Account) with USD or KHR currency are currently eligible for the Mobile Banking Service. The Mobile Banking Service cannot be used in association with other types of accounts. Woori Bank (Cambodia) Plc. reserves the right to change the eligibility of other types of accounts that may be linked to the Mobile Banking Service.

3.2.        By registering for the Mobile Banking Service and accepting these Terms and Conditions, you agree to activate and link your Mobile Banking User Account to all your eligible Saving Accounts that you have opened as of now and will open in the future in order to perform Financial Transactions.


4.1.        You shall take all reasonable precautions to keep safe and prevent fraudulent use of your mobile device (on which the App is installed) and Security Details.

4.2.        You shall not leave your mobile device (on which the App is installed) unattended where someone else can use your device without your knowledge or let anyone else use your mobile device when you have logged onto the Mobile Banking App or when in such a manner that he/she may access your account or Mobile Banking Service, whether with or without your consent.

4.3.        Private secured Username and PIN which is created by you follow the Username and PIN creation rule set by Woori Bank (Cambodia) Plc., you shall ensure to keep it as your confidential manner.

4.4.        You also allow to Change or Reset your PIN by yourself in Woori WON Cambodia banking app with required your information to complete the process in your own responsibility as any secured circumstance.

4.5.        You shall make sure to protect your Security Details.

4.6.        Any kind of security changes on Mobile Banking app, PIN must be required.

4.7.        You shall not disclose your Security Details to anyone, including us. When you telephone a Woori Bank (Cambodia) Plc. Call Center for support, you will only need to provide your few information to verify customer by us, but not your PIN or OTP.

4.8.        You shall change your Security Details immediately and inform us as soon as possible when you know or even suspect that anyone else knows your Security Details.

4.9.        You shall close of the App background after you have finished using the App.

4.10.     Woori Bank (Cambodia) Plc. shall revise and/or amend the security velocity limitation on mobile banking app without any priority notice.

4.11.     Woori Bank (Cambodia) Plc. shall not be bound by or obliged to take any action on any instructions which do not properly comply with these Terms and Conditions and may reject such non-compliant instructions.

4.12.     You shall not use the Mobile Banking App on any device or operating system that has been modified, altered, jail-broken, and or rooted. A device running on a modified, altered, jail-broken or rooted operating system means one that has been freed from the limitations imposed on it by your mobile service provider and the phone manufacturer without their approval.

4.13.     For security reasons, our Mobile Banking application is bind to your registered device which is not allow to other users sign in to the app unless it is deleted or reinstalled.

4.14.     After registration, Woori Bank (Cambodia) Plc. will not contact you (or ask anyone to do so on our behalf) with a request to disclose your Security Details in full. In case you receive any such request from anyone, even if they are using our name and logo, it is likely to be fraudulent and you must not supply your Security Details to them under any circumstances and you shall immediately report any such request to Woori Bank (Cambodia) Plc.

4.15.     If your registered Mobile phone number is changed for any reason, you shall visit Woori Bank (Cambodia) Plc. ‘s branch office nearest you to notify us of the change as soon as possible.



Client can also sign in to Woori WON Cambodia banking application by using the fingerprint, facial recognition and/or any kinds of bio characteristic recognition ( hereinafter collectively referred to as Biometric Data) authentication function in the application (hereinafter is known as Function). To do this, clients must accept these terms and conditions.

5.1          Use of the Function is voluntary and does not restrict the use of other identification methods.

5.2          When the client has enabled the Function, Signing In to Woori WON Cambodia banking is possible with the client’s Biometric Data instead of entering your private security PIN. Some of the services, such as payment or transfer fund to other accounts beside own account, still require the use of PIN authentication accepted by Woori Bank (Cambodia) Plc.

5.3          The use of the Function is based on technology and software on the client’s mobile device and is therefore dependent on the device’s capability to capture biometric data. We do not control or process the client’s Biometric Data.

5.4          All Biometric Data, which is saved in the client’s mobile device before the activation of the Function, can be used for authentication. This is why the client must ensure that only client’s Biometric Data have been saved in the device before activating the Function. All other Biometric Data must be deleted from the device before the Function is activated.

5.5          To avoid abuse and protect the client’s personal data, the client of biometric authentication needs to ensure that client does not allow third persons to use the device.

5.6          All actions made by using the biometric authentication are deemed to be made by the client who has activated the Function in the respective mobile device and bind to that client who has the full right to use the Function.

5.7          If the device’s biometric authentication function cannot identify the client’s Biometric Data, client must sign in the Woori Bank (Cambodia) Plc. mobile app with PIN authentication method accepted by Woori Bank (Cambodia) Plc.

5.8          We has the right at any time with or without priority notification to prevent sign in with the Function to one or more services or block the use of the Function altogether.

5.9          The client must confirm the activation of the Function with PIN authentication method accepted by Woori Bank (Cambodia) Plc.

5.10       The Function has to be activated separately in every single mobile device.

5.11       If additional new Biometric Data are added to the biometric authentication function of the device, the function must be activated again or automatically work with the new data as technical setup. In some devices (depending of technology and software of the device), reactivation of the Function is also necessary after deletion of Biometric Data.

5.12       The Function can be disable in the following ways:

  • By deactivating the Function in the Woori Bank (Cambodia) Plc. mobile app. After this, the Function can no longer be used in the app.
  • By deleting the biometric authentication from the settings of the client’s device. After this, the Function can no longer be used on the device instantly.

5.13       Use of biometric authentication can be ended in the following ways:

o  By deleting the Woori Bank (Cambodia) Plc. mobile app.

5.14       Woori Bank (Cambodia) Plc. reserves the right not to be responsible any kinds of client losses which is caused by biometric authentication that activated by client.

5.15       Woori Bank (Cambodia) Plc. is entitled to amend these terms unilaterally as set out in the General Terms and Conditions of the Woori Bank (Cambodia) Plc. Mobile Banking Service.



6.1.        Woori Bank (Cambodia) Plc. is not liable for any failure to provide the Mobile Banking Services, in a part or in full, due to abnormal and unforeseen circumstances beyond our control, the consequences of which would have been unavoidable despite all reasonable efforts to the contrary. This includes any phone network failures or, in the case of mobile networks, instances where you are not in an area of mobile coverage.

6.2.        The App is provided with functionality “as is” with no representation, guarantee or agreement of any kind as to its functionality. We do not guarantee that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your mobile device. We are not responsible for any loss you may incur as a result of this.

6.3.        We shall not be held responsible if we do not comply with any of the Terms and Conditions due to abnormal and unforeseeable circumstances beyond our control, the consequences of which would have been unavoidable despite all reasonable efforts to the contrary;

6.4.        You agreed to indemnify and compensate Woori Bank (Cambodia) Plc. for any damages, loss, expense or liability incurred by Woori Bank (Cambodia) Plc. as a result of any breach by you of this agreement.



7.1.        Registration for the Mobile Banking Service is currently free of any charge. Any Financial Transaction carried out to/from an account within Woori Bank (Cambodia) Plc. is free.

7.2.        Any Financial Transaction to an account held with any other Financial Institution is subject to a fee that is displayed on the App when you make the Financial Transaction. You can also ask for this fee rate from our branch office or Call Center staff.

7.3.        Woori Bank (Cambodia) Plc. may, from time to time, impose separate or new fees and charges for the Mobile Banking Service by providing reasonable notice of such changes to you.



8.1.        Woori Bank (Cambodia) Plc. may at any time, at its sole discretion, suspend or terminate your right of access to any of the Mobile Banking Service(s) without prior notice:

–          When we have concerns about the security of the Mobile Banking App;

–          When we suspect that your Mobile Banking App has been used fraudulently or in an unauthorized way;

–          When you are deemed in breach of these Terms and Conditions; or

–          When we are required to do so by law, court order, or NBC;

8.2.        We will terminate your right of access to the Mobile Banking Service should you cease to maintain any eligible linked account with Woori Bank (Cambodia) Plc. or should your access to such account be restricted by Woori Bank (Cambodia) Plc. or any other party for any reason;

8.3.        You may terminate your Mobile Banking Service by visiting any Woori Bank (Cambodia) Plc. branch office and completing the termination form.

8.4.        You acknowledge that suspension or termination will not affect your liability or obligations in respect of payment instructions you have confirmed in the App for Woori Bank (Cambodia) Plc. to process for you.



9.1.        No party shall be liable for any failure to perform its obligations under this terms and conditions if the failure results from a force majeure event.

9.2.        For purposes of this terms and conditions, a force majeure event is an event which is beyond the reasonable control of Woori Bank (Cambodia) Plc. such as a terrorist activity, war, fires, explosions, earthquake, subsidence, storms, floods, disease, epidemic, or health quarantines.



We will ensure that your privacy is protected by:

a) committing ourselves to a general duty of confidentiality towards you, except in the following circumstances:

  1. where disclosure is compelled by law;
  2. where there is a duty to the public to disclose; and
  3. where disclosure is made with your express or implied consent;

b) treating all your personal information as private and confidential; and

c) ceasing the use of your information for marketing purposes, or ceasing to contact you on an unsolicited basis, if you inform us that you object to these practices.



11.1.     Woori Bank (Cambodia) Plc., at its sole discretion, may change the charge fee(s), introduce new charge fee(s), and change, discontinue or add any of our Mobile Banking Service for any reason(s) with at least 30 days’ notice.

11.2.     In addition to changes in clause 10.1, Woori Bank (Cambodia) Plc., at its sole discretion, may also make any other changes to these Terms and Conditions for any reason(s). We may provide notice of the changes to you in a reasonable manner by written or electronic communications (including e-mail, telephone, SMS, notification in the App, display on our website, display at our branches, posting on our Facebook page, or advertisement on media).

11.3.     After providing notice of the changes to you as noted above, you will be deemed to have received the notice. Any continued use of any of our Mobile Banking Service(s) after the notice, shall constitute your acceptance of and agreement to the change.



If you have any complaints on our Mobile Banking Service, or if you believe that funds have been lost, there is any error in transactions, your mobile device is lost or stolen or you believe or suspect that someone else knows your Security Details, or has used or tried to use your Financial Institution account through our Mobile Banking Service, you must inform or notify Woori Bank (Cambodia) Plc. immediately by contacting us via our:

–        Branch Manager or Teller Supervisor at any Woori Bank (Cambodia) Plc. branch office

–        Call Center at 023 963 333

–        Email: info@wooribank.com.kh

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