ACLEDA is located at street 93 (Preah Monivong), Sangkat Sraas Chak, Khan Daun Penh. It  was established in January 1993, as a micro finance  institution (MFI) for micro and small enterprise development and credit.By 1998, the MFI was operating at a profit ensuring its sustainability, which led both its board and international partners to conclude it should be transformed into a commercial bank. With assistance from USAID, MPDF, IFC and UNDP, amongst others, a three year program for transformation to a commercial bank commenced in 1998. This transformation resulted in the bank receiving a Specialized Bank license on October 7, 2000 and then on December 1, 2003 ACLEDA Bank Ltd received a full Commercial Bank license and changed its name to ACLEDA Bank Plc.

In 2004, ACLEDA Bank Plc. was assigned first-time ratings by Moody’s Investors Services, the first bank in Cambodia to receive an international credit rating, and in December 2007 it also received first-time ratings by Standard & Poor’s Corporation. On February 1, 2007, ACLEDA Bank Plc. joined the International Finance Corporation’s Global Trade Finance Program, providing the bank with guarantees over their trade obligations and allowing ACLEDA to extend its trade finance service offerings. In 2008, ACLEDA Bank Lao Limited opened with 3 branches in Laos.