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Myanmar · Banking & PaymentsAYA Bank
AYA Bank (Ayeyarwady Bank) is one of Myanmar's largest private banks, with accounts, cards and the AYA Pay wallet and mobile banking app.
What it helps with
- A local accountKyat accounts and cards.
- Paying by QRAYA Pay in shops.
- Bills and top-upsFrom the app.
About AYA Bank:
The bank has hundreds of branches across the country. Customers use AYA mobile banking and AYA Pay to transfer money, pay bills and top up phones, and to pay by QR code in shops.
Key Features:
- Mobile banking: Transfers and bill payments.
- AYA Pay: Wallet with QR payments.
- Branch network: Branches in all regions.
How to Get Started:
- Visit an AYA Bank branch with your passport or NRC.
- Open an account and register your phone number.
- Install the AYA mobile banking or AYA Pay app.
- Pay by QR code or transfer money in the app.
Before you use it
- Limits: ATMs often run out of cash or have low withdrawal limits; QR payments are widely accepted instead.
- Sign-up: Foreigners need a passport with a valid visa; some branches also ask for a work permit.
English available
Local number needed
Local ID needed
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Frequently Asked Questions
- Does AYA Bank work with a foreign bank card in Myanmar?
- Not reliably — a foreign card may be declined. Check the notice above, or plan to use a local payment method.
- Is AYA Bank available in English?
- Yes, AYA Bank has an English-language interface.
- Do I need a local phone number to use AYA Bank?
- Yes, AYA Bank requires a local phone number to register.
- Do I need local ID or residency for AYA Bank?
- Yes, AYA Bank requires local ID or residency status.
- Where can I use AYA Bank?
- iOS · Android · Web
- How much does AYA Bank cost?
- Fees per the bank's tariff; apps free