explorer wrote: ↑Sun Aug 19, 2018 2:49 am If you get the money sent to a Cambodian bank account, they will take out a huge amount in fees. You will save a lot of money if you open an Australian bank account.

I receive a substantial transfer from abroad into my ABA acct monthly...the huge amount in fees is a whopping $10!

ABA Inward Remittance Fees:
0.10% or min. USD 10 (whichever is higher)

@ Duncan - USD to USD...no exchange rate required.

Obviously that is something the OP will need to consider though.

OP, you can use an FX broker in order to get a better rate when you transfer the money eg OFX.com.
Fees at the Cambodian end are minimal in the case of ABA and Canadia.
Bear in mind that there is no government guarantee of bank deposits in Cambodia. The two banks that have been credit rated (ABA and Acleda) both got single B, which is well within junk category. Otoh, there have been no cases of defaults in recent years.
Personally I favour the MFIs (eg Prasac) because they offer the best rates (8% on one year fixes) and imho lower risk, due to lower costs and more diversified loan portfolios. I would be wary of banks making a lot of real estate loans.

Also, I would get your money out of ZAR as often as possible. For the forseeable future it is likely to head down against the USD. Every time it pops up a bit, sell.