Bakong–RoamQR Linkage Expands to Enable Singapore Travellers to Pay via KHQR in Cambodia

Phnom Penh, Cambodia & Singapore, 30 March 2026 – The National Bank of Cambodia (NBC) and the Monetary Authority of Singapore (MAS) today announced the expansion of the Bakong–RoamQR™ cross-border payment linkage, enabling travellers from Singapore to pay seamlessly across Cambodia by scanning KHQR codes using their home mobile payment apps connected to the RoamQR network.

This milestone marks the launch of Phase 2 of the initiative, building on the successful rollout of Phase 1, which enabled Cambodian users to pay in Singapore. With this expansion,  Singapore travellers can now experience Cambodia like a local, making convenient, real-time payments at merchants across the country using their home mobile payment apps.

The development strengthens Cambodia’s position as a digitally enabled destination while advancing regional interoperability between national payment systems. This expansion completes the two-way payment linkage between Cambodia and Singapore, enabling travellers in both markets to pay like a local by scanning domestic QR codes.

Driving Tourism and Digital Connectivity

By enabling Singapore users to scan KHQR codes, the linkage enhances payment convenience for outbound travellers while supporting Cambodia’s tourism and retail sector through increased accessibility to international visitors.

How It Works

Users of participating Singapore-based mobile payment apps can:

• Scan KHQR codes at Cambodian merchants

• Pay directly using their familiar mobile payment apps

• View transparent FX rates before confirming payment

• Complete transactions instantly, without the need for cash exchange

At launch, LiquidPay is one of the participating mobile payment apps available, with additional banks and wallet partners across both Cambodia and Singapore to be progressively enabled.

Ecosystem Enablement

The cross-border functionality is enabled through collaboration with ACLEDA Bank Plc. and Phillip Bank Cambodia Plc., which facilitates settlement and interoperability between the Bakong system and the RoamQR network, operated by Liquid Group. KHQR serves as Cambodia’s national QR standard under the Bakong system, providing unified QR acceptance across merchants nationwide.

Commentary

Mr. Jeremy Tan, Chief Executive Officer of Liquid Group, said:

“With this Phase 2 launch, Singapore travellers can now explore Cambodia without the need for cash, simply by scanning KHQR codes using their home mobile payment apps. This milestone reflects the continued progress towards seamless cross-border payments as part of everyday travel, while strengthening connectivity between our payment ecosystems.”

Mr. Chan Mach, Chief Executive Officer of Phillip Bank Plc., said:

“Phillip Bank is honored to be part of this journey connecting people, businesses, and economies across our two homes - Singapore, where our group was founded, and Cambodia, where we have grown.”

Dr. In Channy, President and Group Managing Director of ACLEDA Bank Plc., said:

“In Phase 1, ACLEDA has successfully implemented cross-border QR payments, enabling Cambodian users to scan Singapore SGQR codes at RoamQR merchants across Singapore.  This advancement promotes the use of the Khmer Riel across ASEAN, fosters financial inclusion, and advances integration within the ASEAN Economic Community. It builds upon ACLEDA's established successes in cross-border QR interoperability with other ASEAN nations, involving key partners such as ACLEDA Bank (Cambodia), Liquid Group (Singapore),  supported by intermediary banks such as United Overseas Bank Limited and DBS Bank Ltd.  in Singapore.”

Strengthening Regional Payment Interoperability

The Bakong–RoamQR linkage demonstrates how interoperable QR infrastructures can bridge domestic payment systems, enabling real-time, secure, and scalable cross-border transactions. As RoamQR continues to expand its network across Asia and beyond, such integrations will play a critical role in:

• Enhancing cross-border consumer experiences

• Supporting SMEs and merchant growth

• Enabling more seamless regional trade flows

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Liquid Group Media Contact

Anna Karlsson, Head of Marketing and Communications

Email: anna.karlsson@liquidgroup.sg 

About Liquid Group

Liquid Group is a Singapore-based fintech company specialising in cross-border digital payments and digital trade infrastructure. Through its role in the RoamQR network and regional partnerships, Liquid Group enables secure, interoperable, and seamless transactions across Asia, connecting national payment systems and supporting the growth of cross-border commerce and travel.

About RoamQR™

RoamQR™ is an interoperable QR payment network, developed and operated by Liquid Group. It connects banks, mobile wallets, non-bank financial institutions, and acquirers, enabling seamless domestic and cross-border QR payments.  As the network expands beyond Singapore, RoamQR™ acts as a payment orchestration framework linking national QR systems such as KHQR and others across the region, enabling users to scan local, pay global.