Cambodian Shared Switch (CSS) is a local card scheme, initiated by National Bank of Cambodia (NBC). CSS is designed to provide interconnectivity and interoperability amongst CSS members, allowing their cardholders to use the ATMs of other participating banks countrywide.

All customers of banks and financial institutions, which are members of CSS, can make interbank transactions including withdrawal, fund transfer, balance inquiry and account statement through J Trust Royal Bank ATM in a convenient and safe manner.





Product Purpose

Domestic ATM, POS transaction and Interbank fund transfer

Accept CSS, Visa and MasterCard

Currencies Available



Customer Type

Optional for deposit customers (Premier and non Premier)


Card Validity

4 Years

Card Transaction Location

Domestic CSS ATM and POS only


New Card Issue Fee



Expiry Card Fee


Replacement Card Fee


Annual Fee



ATM Transaction Fee
ATM Cash WithdrawalFree on JTRB ATMKHR 1,800 (USD 0.45)N/A
On Other Domestic ATM based on NBC Standard Fee
Balance InquiryKHR 500 (USD 0.125)
Mini Statement
Pin Change
Interbank Fund Transfer
≤ KHR 4,000,000KHR 1600KHR 800KHR 1600
≤ KHR 20,000,000KHR 3600KHR 3600
≤ KHR 40,000,000KHR 5600KHR 5600
POS Transaction Fee
Purchase Reversal, Cancelation
Balance InquiryKHR 500 (USD 0.125)
Cash Withdrawal

Frequently asked questions

Cambodian Shared Switch (CSS) is a local card scheme, initiated by National Bank of Cambodia (NBC).

Benefits of using CSS card include:

  • 24/7 ATM cash withdrawal from any CSS ATMs network across the country from over 40 Banks/MFIs
  • Convenient to make payments via CSS POS terminal any places such as restaurants, shops, hotels, supermarket...etc.
  • Free of charge for new CSS Card Issuance and Annual Fee charge
  • 24/7 Customer Support, if you have any issue or inquiry related to CSS card, you can contact our Customer Care Center 24/7

CSS functionalities available on ATM include:

  • Cash Withdrawal/Fast Cash
  • Balance Inquiry
  • Interbank Fund Transfer
  • Print Mini Statement
  • Pin Change

CSS functionalities available on POS include

  • Cash Withdrawal
  • Purchase
  • Purchase Reversal(Cancellation)
  • Refund
  • Balance Inquiry

Please refer to the product features

CSS Card daily limit:

  • Cash Withdrawal on JTRB ATM: USD2,000
  • Cash Withdrawal on other Bank ATM: USD1,000
  • POS Purchase on other Bank POS: USD 9,999

The cash withdrawal limit per transaction or per day on ATM is set by each Bank/MFI which are members of CSS but cannot be exceed the maximum card daily limit set by JTRB for each card.

You can request for CSS card by visiting the nearest JTRB branch and our customer service will guide you or please contact our Customer Care Center at 023 999 000

You can get your new CSS card within 3 working days after requested.

Yes, you can have both CSS and Visa Cards at the same time.

Yes, you can switch from current Visa Card to CSS Card by requesting for card replacement.

You can identify ATM/POS terminal that supports CSS by looking for official CSS logo

With CSS Card you can withdraw both KHR or USD currency from the ATM.

You can activate your new CSS card via JTRB Mobile App or JTRB Internet Banking (This functionality will available soon).

- You can also activate new CSS by calling our 24/7 Customer Care Center at 023 999 000.

1. J Trust Royal Bank Plc.

2. ACLEDA Bank Plc.

3. Sathapana Bank Plc.

4. Cambodia Post Bank Plc.,

5. Advanced Bank of Asia Ltd

6. Taiwan Cooperative Bank

7. Mega International Commercial Bank Co. Ltd.

8. Bank of China Limited

9. Cambodian Commercial Bank Ltd,

10. Vattanac Bank

11. First Commercial Bank

12. Hattha Bank Plc.

13. Canadia Bank Plc.

14. Cathay United Bank (Cambodia)

15. RHB Indochina Bank Limited

16. Hong Leong Bank (Cambodia) Plc.

17. CIMB Bank (Cambodia) Plc.

18. Phnom Penh Commercial Bank

19. Chief (Cambodia) Commercial Bank Plc.

20. Prince Bank Plc.

21. May Bank (Cambodia) Plc.

22. Cambodia Public Bank Plc.

23. Phillip Bank Plc.

24. Union Commercial Bank

25. B.I.C (Cambodia) Bank Plc.

26. Sacombank (Cambodia) Plc.

27. Cambodia Asia Bank

28. Bangkok Bank Public Company Limited

29. ICBC Limited

30. Kasikorn Bank Public Company Limited

31. Woori Bank (Cambodia) Plc.

32. Foreign Trade Bank of Cambodia

33. Kookmin Bank Cambodia Plc.

34. Chip Mong Commercial Bank Plc.

35. Sinhan Bank (Cambodia) Plc.

36. AMRET Microfinance Institution

37. AMK Microfinance Institution

38. LOLC (Cambodia) Plc.

39. Asia-Pacific Development Bank Plc.

40. KB PRASAC Bank Plc.

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