海外移住ガイド:2026年のカンボジア生活

Cambodia is one of Southeast Asia's most accessible expat destinations — ultra-low cost of living, a fully dollarised economy (USD used everywhere), relatively straightforward residency via business or ordinary visa, and Phnom Penh and Siem Reap offer surprisingly vibrant expat communities.

最終更新:2026年3月 — 編集チーム, eVisa-Card.com

カンボジア概要

首都Phnom Penh
通貨Cambodian Riel (KHR) / USD
言語Khmer
月額費用~$700–1,400/month

🛂 ビザ・在留資格オプション

ビザの種類詳細
E-Visa (T class / Tourist)Available online at evisa.gov.kh. 30 days, single entry, extendable once for 30 days. 費用: $30 + $6 processing fee.
Ordinary Visa (E class)Available on arrival or online. 30 days, can be extended multiple times. The 'E' visa is the basis for most long-term stays. Extensions: 1 month, 3 months, 6 months, 1 year (multiple entry possible on 1-year extension).
Business Visa (EB class)For those conducting business. Extendable for 1 year multiple entry. Popular with expat business owners and remote workers.
Retirement Extensionいいえ specific retirement visa, but those 55+ can apply for a 1-year 'retirement' extension of their ordinary visa. Requires proof of $1,500/month income or $50,000 in bank.
CAMKIDS Visa (for families)Specific category for foreign family members of Cambodian nationals.

ステップバイステップ手順

  1. Apply for E-Visa online before travel OR obtain visa on arrival at Phnom Penh / Siem Reap airports
  2. For long-term stay: extend your E-class visa at an immigration agent or the Department of Immigration
  3. Most expats use an immigration agent (~$200–350/year for 1-year multiple-entry EB extension)
  4. Register your address at the local sangkat (commune) office
  5. Obtain a Tax Identification Number (TIN) at the General Department of Taxation if working
💡 プロのヒント: Cambodia's visa system is very foreigner-friendly. A 1-year multiple-entry business extension (~$300 via an agent) is the de facto 'digital nomad visa'. いいえ minimum stay requirement, no income proof needed at most immigration offices.

🏥 カンボジアの医療

公的医療

Cambodia's public healthcare system is very limited. Most public hospitals lack basic equipment and medicines. Expats should use private hospitals for all care beyond minor issues.

民間医療

Private hospitals in Phnom Penh (Royal Rattanak Hospital, Sen Sok International University Hospital, Naga Clinic, Sunrise Japan Hospital) provide adequate to good care. Siem Reap has Royal Angkor International Hospital. For serious conditions, Bangkok is the standard evacuation destination (~1 hour by plane).

Typical 費用s

サービス費用
Private 一般診療$25–60
専門医診療$50–100
Emergency room (private Phnom Penh)$100–500
Hospitalisation (private, 1泊)$200–600
歯のクリーニング$25–50
Medical evacuation to Bangkok$5,000–20,000 (without insurance)
ℹ️ 推奨: As with Laos, medical evacuation insurance is essential in Cambodia. For anything beyond routine care, Bangkok's Bumrungrad or Samitivej hospitals are the standard destination.

🛡️ カンボジアの健康保険

International health insurance is not required for any visa category in Cambodia but is essential for safety. The combination of limited local facilities and proximity to excellent Thai hospitals makes evacuation coverage critical.

外国人向け保険会社

Pacific Cross Cambodia
Local expat-focused insurer. Good network of Phnom Penh private hospitals. From ~$600/year.
BUPA Global
Strong medical evacuation and Thailand coverage. From ~$1,500/year.
Cigna Global
International plan with broad coverage. Good for frequent travellers. From ~$1,000/year.
AXA Global Healthcare
Comprehensive worldwide plan with repatriation. From ~$1,200/year.
SafetyWing
Budget nomad insurance. Covers evacuation. Popular in the expat community. From ~$45/month.
💡 プロのヒント: Ensure your plan explicitly covers medical evacuation to Thailand. Pacific Cross Cambodia is a good local option and is widely accepted at Phnom Penh's private hospitals.

🏦 カンボジアでの銀行口座開設

Cambodia's fully dollarised economy makes banking straightforward — USD accounts are the norm. Account opening is relatively easy for foreigners, even on tourist visa at some banks.

おすすめ銀行

ABA BankCambodia's most popular bank among expats. Excellent English app, ABA PAY digital payments, easy account opening. Most recommended.
Canadia BankGood for business accounts and larger transactions. English service available.
ACLEDA BankLargest bank by branches. Good for transfers within Cambodia and to Vietnam/Laos.
FTB Bank (Foreign Trade Bank)State bank. Good for USD transfers. Strong relationship with Chinese banks.
Wing MoneyMobile money service (not a full bank) used for daily transactions. Very popular.

必要書類

  • Valid passport
  • Cambodian visa (tourist may be accepted at ABA Bank)
  • Proof of address (guesthouse or rental contract)
  • Cambodian phone number (for app)
  • Initial deposit ($100–500 for most account types)

ステップバイステップ手順

  1. Visit ABA Bank branch in Phnom Penh or Siem Reap
  2. Present passport and visa
  3. Complete account opening form
  4. Account opened same day in most cases
  5. Download ABA Mobile app — one of the best banking apps in Southeast Asia
💡 プロのヒント: ABA Bank is the unanimous favourite among Phnom Penh expats — the app is excellent, account opening is fast (sometimes with just a tourist visa), and the service is in English. Open a USD account as the primary account for daily use.

🏠 カンボジアでの不動産購入

Foreigners CANNOT own land in Cambodia, but the law was amended in 2010 to allow foreigners to own condominium units on the 2nd floor and above (not ground floor or land). Workarounds include 50-year long-term leases and Cambodian company structures.

Options for Foreigners

Condominium Ownership (freehold)
Foreign ownership permitted from the 2nd floor upward in approved condominium buildings. Growing inventory in Phnom Penh. Sihanoukville and Siem Reap also have options.
Long-term Lease (50 years, renewable)
Land and houses can be leased for 50 years, renewable for another 50. Common for villas and townhouses.
Cambodian Company (99% practical)
Many foreigners form a Cambodian company (with a Cambodian nominee director holding 51% of shares on paper). Legal but carries risk if done improperly.
LMAP-Titled Land via Cambodian spouse
Land held in a Cambodian spouse's name. Common but risky without legal protections.

購入手順

  1. Hire a reputable Cambodian real estate lawyer
  2. Verify the title (LMAP Title — the most secure type; avoid Soft Title)
  3. For condos: check building is registered with MLMUPC as foreigner-eligible
  4. Sign a Memorandum of Understanding (MOU) and pay deposit
  5. Lawyer conducts due diligence: title, permits, developer reputation
  6. Sign the Sale and Purchase Agreement (SPA)
  7. Transfer at the relevant authority and receive your ownership certificate

Typical 費用s

Item費用
Transfer tax (registration fee)4% of property value
Stamp duty0.1% of registered value
いいえtarisation~$200–500
Lawyer fees$1,000–3,000
Annual property tax0.1% of assessed value above $25,000
Annual rental income tax (if renting out)14% withholding tax
💡 プロのヒント: Only buy condos in Cambodia — they are the only truly secure form of foreign property ownership under Cambodian law. Leasehold villas and company-held land carry significant legal risk. In Phnom Penh, Boeung Keng Kang (BKK1) and Tonle Bassac are the most expat-friendly neighbourhoods.

このガイドについて

This guide is researched and maintained by the editorial team at eVisa-Card.com. 最終更新: 2026年3月。 Always verify current requirements with official government sources and consult a licensed professional before making major decisions.

💰 税制・財政亡命

キャピタルゲイン税
0-20%
税制
Territorial (de facto)
暗号資産フレンドリー度
5/10
出国税
いいえ

キャピタルゲイン税: 0-20% (limited enforcement on crypto)

税制の重要ポイント

  • USD-based economy, low tax enforcement on crypto
  • 20% capital gains tax exists but rarely enforced for crypto
  • KHR and USD dual currency system
  • Growing fintech ecosystem

税金節約シミュレーション

無料の財政亡命シミュレーターでカンボジアでの節税額を比較しましょう。 インタラクティブシミュレーターで27カ国以上の税率を比較

🚀 税金節約シミュレーション →

提供: Taxes-Crypto.eu

税務情報は一般的な参考情報として提供されています。移住の決定前に資格のある税務アドバイザーにご相談ください。


📚 公式情報源・参考資料

編集チーム — eVisa-Card.com

カンボジアでの実体験を持つ旅行専門家、入国管理専門家、駐在員によって執筆された移住ガイドです。

✔ 検証済み情報 ✔ 2026年3月更新 ✔ 公式情報源引用