Bakong Tourist Payment App for Cambodia: Its Safety and How to Use It

New Concerns for Cambodia Travelers: The Safety of Digital Payments

When visiting Cambodia, especially for first-time travelers, one of the main concerns is finding a safe payment method. Digital payments are a convenient option for those who want to avoid the risks associated with carrying cash or using credit cards. However, the question remains: “Is it really safe?”

In response to this concern, the “Bakong Tourist” app, launched in August 2024, has gained attention. This app is a digital payment solution specifically developed for travelers in Cambodia, aimed at facilitating smooth transactions during their stay.

But what should you be aware of when using it? In this guide, we will explore the overview, usage, and safety of the Bakong Tourist app in detail.

What is Bakong Tourist?

Bakong Tourist is an app based on the digital payment system “Bakong,” developed by the Japanese blockchain company Soramitsu.

Originally, Bakong was a system co-developed by the National Bank of Cambodia and Soramitsu, designed to digitalize the local currency, the Cambodian Riel, and to provide financial services to the entire population. Bakong Tourist leverages this technology to create a solution tailored for tourists.

The app’s key feature is that it allows users to make safe payments in Cambodia without carrying cash or credit cards, relying solely on their smartphones. Payments are made smoothly using QR codes, and the app supports multiple languages, making it easy for travelers to operate intuitively.

How to Use Bakong Tourist

Account Registration and Top-Up

To use Bakong Tourist, you first need to download the app and register an account. Registration requires an email address and basic personal information, but the convenience lies in the fact that you can use it even without a bank account.

Once your account is created, the next step is to top up (charge) your account. Currently, top-ups can be done at local airports or hotel receptions using cash or credit cards. A feature to link credit cards directly to the app is expected to be added soon.

How to Make Payments and Transfers

When making a payment, simply generate a QR code within the app’s “Payment” section and have it scanned by the store or service provider. For transfers, you can easily send money by scanning the recipient’s QR code.

It’s important to note that there is a daily transfer limit of $500, so if you plan on making large purchases, make sure to check your settings beforehand. Also, since top-ups and transfers require an internet connection, it’s advisable to prepare an eSIM or similar solution before your trip to ensure smooth connectivity.

Safety of Bakong Tourist

When using a digital payment app, safety is often the biggest concern. Bakong Tourist is built on blockchain technology, providing advanced encryption to prevent data tampering and unauthorized access.

Additionally, strict standards are in place for protecting personal information, ensuring that user privacy is well-guarded. Security is particularly enhanced when registering facial recognition or passport information, minimizing the risk of data leakage during the verification process.

Summary: Key Points for Using Bakong Tourist

Bakong Tourist is a powerful tool for making your trip to Cambodia more comfortable. However, there are a few things to keep in mind when using the app:

• Check the top-up methods: The main methods involve using cash or credit cards, but the latest updates will allow direct credit card linking.
• Be aware of transfer limits: There is a daily limit, so if you plan to make significant payments, prepare in advance.
• Ensure internet connectivity: Payments always require an internet connection. Prepare an eSIM or similar option for seamless connectivity.
• Understand safety measures: While blockchain technology offers high security, always be mindful of how you handle personal information.

If you plan to travel to Cambodia, using Bakong Tourist can help you enjoy your time there with peace of mind. Refer to the latest information and make the necessary preparations.

Alternatives to Bakong Tourist: Proposals from Various Approaches

While digital payments can be convenient during your travels in Cambodia, there might be situations where you prefer not to use the Bakong Tourist app. In such cases, consider the following alternatives, which offer solutions from multiple perspectives, including technical means, interpersonal strategies, and psychological approaches.

1. Using a Local SIM Card and Mobile Banking
   Many banks in Cambodia offer mobile banking services. By purchasing a local SIM card and setting up a mobile banking app, you can make payments in local currency. This method ensures stable transactions using local internet connectivity.

2. Combining International Credit Cards with Wise
   International credit cards are widely accepted in most tourist destinations and urban areas. Additionally, by using Wise, you can easily convert currency into Cambodian Riel (KHR) or US dollars and withdraw from local ATMs. Wise’s international debit card typically offers lower fees compared to standard credit cards, making it convenient for frequent cash needs.

3. Paying via Local Guides or Tour Operators
   In Cambodia, local guides and tour operators can also facilitate payments. They are familiar with the local banking system and payment methods, making the process smoother. This service is particularly effective for travelers who encounter language barriers or cultural differences.

4. Utilizing e-Wallet Apps
   Cambodia has a growing adoption of electronic wallets like ABA Pay and Pi Pay. These apps can be easily set up using a local SIM card and allow QR code payments, reducing the risk of carrying cash.

5. Using Prepaid Cards
   Upon arrival in Cambodia, you can purchase prepaid cards available at airports and major tourist spots. These cards allow you to spend only the pre-charged amount, helping prevent overspending. Additionally, the risk of theft or loss is minimized since the card is prepaid.

6. Carrying Traditional Traveler’s Cheques
   For those uneasy about digital payments, bringing traveler’s cheques is a viable option. These can be exchanged at many Cambodian banks, and security is maintained in case of loss or theft.

7. Prioritizing Credit Card Payments at Hotels and Restaurants
   High-end hotels and restaurants widely accept credit card payments, which are relatively safe to use. This eliminates the need to carry cash and reduces security risks, while also allowing you to enjoy points or cashback rewards where applicable.

8. Utilizing Reliable Local Currency Exchange Services
   Cambodia has numerous trustworthy currency exchange facilities in airports and urban centers. After arrival, consider exchanging your currency at these locations to have local currency on hand, minimizing the risks associated with currency fluctuations.

By considering these alternatives, you can enjoy a safe and comfortable trip to Cambodia even without using the Bakong Tourist app. Evaluate each proposal and choose the best payment method for your needs in the local context.