Electronic Banking

Automatic Teller Machine (ATM) and Cash Deposit Machines:

- Automatic Teller Machine (ATM) 129 in Country.
- Cash Deposit Machines: (CDM) 3 in Country.

Benefit of Cash Deposit Machines:

1) Cash Deposit Machines: Can Deposit 3 Currency: KIP, THB, USD.
2) Cash withdrawal-Fund Transfer
3) Cash Transfer-Transfer
4) Cash withdrawal-Transfer to other banks
5) Check Balance in Account
6) Change Password ATM Card

ATM Withdrawal and usage Allowance:

With APB’s ATM you can withdraw maximum per day is:
  • LAK 10,000,000 per day and maximum 2,000,000 per times.
  • For account in other currency than Lao Kip, when withdraw you will received in Lao kip converted by daily exchange rate.
  • LapNET Network includes 16 members:

    1) Agriculture Promotion Bank (APB).
    2) Banque Pour Le Commerce Exterieur Lao Public (BCEL).
    3) Lao Development Bank (LDB).
    4) Indochina Bank.
    5) Lao-Viet Bank (LVB).
    6) Joint Development Bank (JDB).
    7) VietinBank Lao.
    8) BIC Bank Lao.
    9) Industrial and Commercial Bank of China (ICBC).
    10) MARUHAN Japan Bank Lao.
    11) Bank of China Vientiane Capital Branch.
    12) ACLEDA Bank Lao Ltd.
    13) Sacombank
    14) ST Bank (STB).
    15) PUBLIC BANK BERHAD.
    16) KASIKORNTHAI BANK Limited.

    Transfer via APB’s ATM:

  • For Lao Kip, maximum transfer value is 120,000,000 LAK per account per times.
  • For Lao kip able to transfer 150,000,000 LAK per account per day.
  • For USD able to transfer 10,000 USD per account per day.
  • For THB able to transfer 300,000 THB per account per day.
  • Transfer to other banks via APB’s ATM 13 Banks:

    1) Agriculture Promotion Bank (APB)
    2) Banque Pour Le Commerce Exterieur Lao Public (BCEL).
    3) Lao Development Bank (LDB).
    4) Joint Development Bank (JDB).
    5) MARUHAN Japan Bank Lao.
    6) Lao-Viet Bank (LVB).
    7) ndustrial and Commercial Bank of China (ICBC).
    8) BIC Bank Lao.
    9) Sacombank
    10) Indochina Bank.
    11) ST Bank (STB).
    12) KASIKORNTHAI BANK Limited.
    13) PUBLIC BANK BERHAD.

    Condition to utilize ATM:

  • Must have saving account or current account with APB
  • Document required: ID card or passport or Household Registration Book
  • Remark:

  • For saving account, minimum balance must be maintained: 50,000 LAK, 20 USD and 500 THB.
  • For Current account, minimum balance must be maintained: 100,000 LAK, 50 USD and 1,000 THB.
  • APB Quick Mobile Banking:

    APB Quick can do 14 is:
    1) Check balance on account
    2) Check balance on Fixed account
    3) Check balance on Loan account
    4) Transfer in APB network (Account to Account)
    5) Transfer in APB network (From Account to No Account and you can withdraw on counter or ATM APB)
    6) Electricity payment (In vientiane capital)
    7) Water supply payment(There are 3 provinces can not pay: Phongsaly, Luangnumtha and savannakhet.)
    8) Land Tax
    9) Road Tax
    10) TAX payment
    11) phone Payment, refill and monthly payment: network MY-phone, ETL, Unitel, T-Plus and Fiber optic.
    12) Leasing Payment:
    13) Shopping and payment on Quick Pay
    14) Loan payment

    SMS Banking (Receive and send short message when do transaction):

    - Network can be use sms banking: M-phone, ETL, Unitel, T-Plus and can register SMS Banking in APB all branch and service units
    - Usage information:
    1 Check balance on account type BAL1 and send to number 1430 (1 mean first account, if register more account Type Bal2, Bal3, Bal4...)
    2 Check last 5 transactions type STM1 and send to number 1430 (1 mean first account, if register more account Type STM2, STM3, STM4...)
    3 Check daily exchange rate type EXCH and send to number 1430

    Fast cash:

    Send transaction on APB Input form withdraw on App APB Fast Cash (now test using service for APB staff in Head office and vientiane capital branch)
    Currency Buying Selling
    USD 16.758 16.925
    THB 505,90 510,96
    CNY 2.455 2.477
    EUR 18.218 18.398
    VND 0,7629 0,7929
    Date: 03-02-2023 More detail »

    Bill Payment

    ATM Location

    ATM Service Locations

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