Retirement in Cambodia: Complete Information for Expats
Your retirement in the Sun with BCC support
All You Need to Know About Retiring in Cambodia
Many retirees choose to settle in Cambodia to enjoy a higher quality of life. With its mild climate, lower cost of living, and extraordinary landscapes, Cambodia is increasingly becoming a popular destination for Western retirees.
Business Center Cambodia offers retirees who choose Cambodia a tailor-made program to help set up your new life in the sun!
Your Retirement in the Sun
We know that leaving everything behind for a new country is never an easy decision where the culture is very different, the language may be a barrier, and administrative procedures may seem complicated. That is why Business Center Cambodia provides personalized support for retirees wishing to settle in Cambodia. We manage your entire "new life in Cambodia" project: departure preparation, administrative procedures, housing, local integration, and on-site follow-up.
Retirement in the Sun Package
We offer a special package that brings together all the major services to prepare your "Retirement in the Sun." This package includes departure preparation, housing search, installation support, and administrative procedures. We also provide follow-up once you arrive to ensure a smooth transition into your new life.
Retirement in the Sun Package Details
Many retirees choose to settle in Cambodia to enjoy a higher quality of life. With its mild climate, affordable cost of living, and extraordinary landscapes, Cambodia is increasingly sought after by international retirees. This special package combines major services for your retirement in the sun, and as part of it, you become a BCC Network Member (your spouse too!).
Business Center Cambodia is here to answer all your questions and assist with departure preparation, housing search, installation, and administrative procedures. We also ensure on-site follow-up to facilitate your integration into your new life.
Your New Home in Cambodia
Finding Accommodation
The mission of Business Center Cambodia (BCC) is to make Cambodia easier for you. After consultations, we advise you and define together the important criteria for your "new home": the city, neighborhood, type of housing, and surroundings. We organize targeted site visits, review the rental terms, and if needed, renegotiate the contract conditions, whether for short, medium, or long-term rentals.
See our real estate site
Receiving Your Retirement Abroad
You can receive your retirement abroad. If you are retired and choose to live in Cambodia, it is essential to report your new address and any changes to your bank details. You can receive your pension in your home country account or request a transfer to your bank abroad.
Report changes of address and banking details by postal mail to your regional pension fund, including your full name and social security number with supporting documents.
Attention: Some benefits, such as specific residency-based allowances, may not be paid if you establish residence abroad. You can reapply upon return.
Proof of Life Certificate
If you live abroad and receive a retirement pension, you will receive every year a "Proof of Life Certificate" that must be validated at the Cambodian consulate (or an Honorary Consul in another city in Cambodia).
With the online service "Transmit My Proof of Life", you can receive and submit your certificate to all your pension funds at once. When active, you will receive an email notification. You can then access your account, retrieve the certificate, have it validated at the Cambodian consulate, and submit it online within 2 months. Failure to submit on time may result in suspension of your pension. You can now confirm your life directly online without visiting the consulate.
See the Special Proof of Life Page
Healthcare in Cambodia
Since you are leaving your home country, your healthcare may no longer be covered by national health insurance.
You can subscribe to international health insurance or private coverage to ensure complementary healthcare services.
Healthcare During Visits Abroad
Retirees residing abroad can be covered for medical expenses during temporary visits to their home country, subject to certain conditions and contribution requirements.
Taxation for Retirees Abroad
Your taxable retirement income is sent directly to the tax authority of your home country. With automatic deductions, you pay income tax where you receive your pension.
You continue paying taxes in your home country if:
- You live there for more than 183 days per year,
- Your household and economic interests remain there.
If you are no longer tax-resident, certain social contributions will not be applied to your pension, while health insurance contributions may still apply. Specific rates vary for self-employed retirees.
See: Expatriate Tax Guidelines
Minimum Retirement Allowance Since 2025
Book an appointment at the Cambodian consulate online as needed.
Peaceful Retirement in Cambodia
Several steps must be taken before and after relocating to Cambodia. Business Center Cambodia assists with:
- Long-term retiree visa, multiple entries
- FPCS registration (foreigners registry)
- Consular registration
- Connecting with local doctors and medical centers
- Local driver’s license conversion
- Introduction to the expatriate network
Access your pension account online.