• 2. How to make bill payment
  • 3. How to Top-up Mobile
  • 4. How to Transfer Funds
  • 5. How to check Credit Card Transation Details
  • 6. How to Request Money
  • 7. Simply Pay With QR Code
  • 8. How to check locations of ATMs and Branches
  • 9. How to check eligibilty for Loan application
  • 10. Calculation for Deposits' Interest
  • 11. How to manage payees
  • 12. Cardless cash withdrawal at ATM
  • 13. Personal Financial Management (PFM)
  • 14. Scan QR AYA Pay Merchant
  • Updating Particulars in Mobile Banking

    Your registered mobile banking number is widely used to directly transfer the funds through mobile banking apps.

    It is very important that your credentials are up to date without fail to ensure you are reachable for any matters related to your account.

    How to update your particulars in your mobile banking?

    This can be done with a few easy steps only.

    Click on the steps to view screens

    • 1

      Login to AYA Bank M-Banking with your user ID and Pin

    • 2

      Go to AYA m-banking setting button on the top navigation bar

    • 3

      Under AYA m-banking settings, update your personal particulars.

    Update the following information in mobile banking

    Your Name

    Please ensure your name is spelled correctly as you opened your accounts.

    Your National Registration Card Number and date of birth

    These data are vital as it is the main proof of identity.

    Your Email address

    Ensure your email address is up to date, so we can stay in touch.

    Your Phone number that was registered when opening accounts

    Keep your mobile number updated to receive transaction alerts and be notified of your account activities. The mobile number must be uniquely yours and do not share with another person.

    Your registered mobile banking number is widely used to directly transfer the funds through mobile banking apps.

    It is very important that your credentials are up to date without fail to ensure you are reachable for any matters related to your account.

    How to update your particulars in your mobile banking?

    This can be done with a few easy steps only.

    1. Login to AYA Bank M-Banking with your user ID and Pin

    2. Go to AYA m-banking setting button on the top navigation bar

    3. Under AYA m-banking settings, update your personal particulars.

    Update the following information in mobile banking

    Your Name

    Please ensure your name is spelled correctly as you opened your accounts.

    Your National Registration Card Number and date of birth

    These data are vital as it is the main proof of identity.

    Your Email address

    Ensure your email address is up to date, so we can stay in touch.

    Your Phone number that was registered when opening accounts

    Keep your mobile number updated to receive transaction alerts and be notified of your account activities. The mobile number must be uniquely yours and do not share with another person.

    Being available 24/7, AYA mobile banking is great for those who could not be able to visit the actual facility during its working hours. You can use mobile banking to pay for your bills conveniently and in a straightforward way.

    Find out how you can make bill payment using mobile banking.

    1. Login to AYA Bank m-Banking with your user ID and PIN

    2. Go to Bill Payment

    3. Enter the amount you wish to transfer
    Choose the Billing Organization you wish to make payment to

    4. Review the details and tap check button to complete your bill payment request

    5A. Enter 6 digits OTP (One-time Password) sent to your mobile number

    5B. Tap the white button on your token to generate a one-time passcode and tap next

    6. Your transaction has been completed and keeps the reference number

    Type of bill payments available in AYA mobile banking

    We have a wide range more than hundred over billing organization for you to make hassle-free payment. We provide the following services for your convenience.

    Charity & Organization/ Societies

    E-Commerce

    Education

    Shopping & Life Style entertainment

    Trading & Manufacturing

    Financial Services & Institutions

    Insurance

    Retails

    Telecom & Internet Service

    Travel/ Transportation

    Utilities

    Credit Card and Prepaid Card

    Tax and Tariff

    Topping up your mobile phone in mobile banking is just on your fingertips.

    You can top up all telecom phone bills operating in Myanmar with deposit account.

    Top up a mobile phone just in 5 easy steps.

    1. Login to AYA Bank M-Banking with your user ID and Pin

    2. Go to Top-up Mobile Numbers

    3. Choose the account you wish to make payment to
    Enter the mobile number and the amount you wish to top-up

    4A. Enter 6 digits OTP sent to your mobile number

    4B. Tap the white button on the token to generate a one-time passcode and tap next

    5. Your transaction has been completed and keeps the reference number

    Fast and Secure top-up service, applied in real-time. Stay in touch with family and friends.

    The days are gone that we need to line up at the bank every time we’d have to pay for or send money.

    You can transfer funds instantly 24/7 to any of AYA Banks accounts or other local banks accounts in Myanmar round the clock through mobile banking.

    Your money can get to where it must be within just seconds.

    1. Login to AYA Bank m-Banking with your user ID and Pin

    2. Go to transfer funds

    3. Choose "my accounts" or "other AYA Account"
    Enter transfer account number and the amount you wish to transfer

    4. Review the details and tap check button to complete your transfer request

    5A. Enter 6 digits OTP sent to your mobile number

    5B. Tap the white button on the token to generate a one-time passcode and tap next

    6. Your transaction has been completed and keeps the reference number

    Notes: Please note that there is a transaction fees applied for every transaction.

    A record of previous financial transactions is vital for all individuals and business.

    It is recommended to track spending on credit card before you can reconcile with a credit card statement.

    Monitor your expenses with a few steps here.

    1. Login to AYA Bank M-Banking with your user ID and Pin

    2. Go to Manage Cards

    3. Under Manage Cards, tap Activate credit card to check your transactions

    Do you need to request money from others?

    We offer the option of generating your own QR code in mobile banking apps and send it over as an image to get someone paid to you.

    Please follow the simple steps below.

    1. Login to AYA Bank M-Banking with your user ID and Pin

    2. Tap Request money

    3. Create a QR code to fill the account number, name, and amount

    4. Use the QR code to receive money

    AYA mobile payment feature can keep you comfort.

    At any time anywhere, just scan and pay instantly with QR code to save yourself the hassle of having to exchange currency.

    1. Login to AYA Bank M-Banking with your user ID and Pin

    2. Tap QR Scan and Pay

    3. Scan the QR code
    Enter the account number and the amount you wish to transfer

    4. Review the details and tap check button to complete your transfer request

    5A. Enter 6 digits OTP sent to your mobile number

    5B. Tap the white button on the token to generate a one-time passcode and tap next

    6. Your transaction has been completed and keep the reference number.

    Notes: You are advised to ensure the correct recipient and amount of transfer before proceeding the transaction.

    For the sake of convenience and better service, we are using centralized online real-time exchange banking system. You can visit any nearest branches to receive banking services.

    Please find out our ATMs and Branches location in mobile application.

    1. Login to AYA Bank m-Banking with your user ID and Pin

    2. Go to ATM & Branch Locator

    3. Tap the red button on the map to find the address

    Are you looking at applying for any loan with AYA Bank?

    In AYA mobile apps, we will take you to explore various requirements you need to fulfill to take Auto loan, home loan and Education loan with us.

    Learn your eligibility more with simple steps.

    1. Under Login page, tap Products and Services

    2. Under hire purchase, calculate the monthly payment with estimated loan amount

    3. Under Loan and Advances, learn the information of AYA Auto Loan, Education Loan, and Home Loan

    Are you planning to open saving accounts or a fixed deposit account with us?

    Explore how you can calculate returns on it before saving and investing in a few simple steps.

    1. Under Login Page, Tap Facility Calculator

    2. Select AYA Saving (or) AYA Fixed Deposit

    3. Enter the principal amount to calculate the interest receivable per month

    If you need to transfer to specific payee regularly instead of one-off payment, it is advisable to register in your payee list. It helps you saving the time for your next transfer and protects from making payments by mistake.

    1. Login to AYA Bank m-Banking with your user ID and Pin

    2. Tap Manage Payees

    3. Enter the account number and payee name you wish to add

    4. Review the details and tap check button to complete your request

    5A. Enter 6 digits OTP sent to your mobile number

    5B. Tap the white button on the token to generate a one-time passcode and tap next

    7. Your transaction has been completed and new payee name is updated in account.

    Withdrawing funds from ATMs become more convenient now. We have upgraded the system of withdrawing cash from ATMs without using the debit or credit cards.

    This will save our ATM users from having lost cards, declined transactions due to incorrect PIN and taking cards to ATMs.

    Here is step by step guide to access the cardless cash withdrawal facility to our customers.

    1. Login to AYA Bank m-Banking with your user ID and Pin

    2. Select ATM Withdrawal

    3. Enter the accept button to request code

    4. Enter the account number and the amount you wish to withdrawal

    5. Review the details and tap check button to complete your request

    6A. Enter 6 digits OTP sent to your mobile number

    6B. Tap the white button on the token to generate a one-time passcode and tap next

    7. Use the six-digit cash code at any AYA Bank ATM in within 30 minutes

    Notes: You can create another cash code if the current cash code is expired.

    1. Login to AYA Bank m-Banking with your user ID and Pin

    2. Choose Personal Financial Management in the Hamburger menu

    3. View detail to see loan information

    4. Click on Missed Payment to see previously missed payment histories

    5. Click on Pay Now to repay the loan

    6. Choose Other AYA Account and fill up the information to pay for the loan

    1. Login to AYA Bank m-Banking with your user ID and Pin

    2. Choose QR Scan& Pay in the Hamburger menu to pay AYA PAY Merchant

    3. After scanning merchant QR, merchant information will be shown

    4. Fill up the rest information

    5. Recheck Information to confirm the payment

    6. Verify the transaction with one time OTP code which is sent to your SMS

    7. After transaction authentication is done, payment is made successfully