If you are planning to stay in Cambodia long-term, carrying $100 bills can be a headache. Even a tiny tear or minor wear might lead to a rejection by local vendors.

Pro-Tips for Digital Payments:

• Use Local Banks (ABA, Acleda, Canadia): While international cards/apps might work, there is often a “settlement delay.” With a local bank app, the transaction is instant. Trust me, you don’t want to stand there awkwardly waiting for the merchant’s phone to “ping.”
• The “Wait-for-Confirmation” Etiquette: It’s a local habit for merchants to refresh their apps and verify the incoming transaction before you leave. It’s not about distrust; it’s just the standard procedure here.
• Embrace the Riel (KHR): Using USD often leads to exchange rate losses when receiving change. For small purchases or tips, paying in Riel is much smoother and more cost-effective.

Empirical Study: Eight-Year Record of Cross-Border Financial Survival in Southeast Asia (2018-2026)