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HOME DIGITAL SERVICES GUIDELINES FREQUENTLY USED DIGITAL SERVICES IN DAILY LIFE
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
Login to AYA Bank M-Banking with your user ID and Pin
Go to AYA m-banking setting button on the top navigation bar
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.
How to make bill payment
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.
Click on the steps to view screens
Login to AYA Bank m-Banking with your user ID and PIN
Go to Bill Payment
Enter the amount you wish to transfer
Choose the Billing Organization you wish to make payment to
Review the details and tap check button to complete your bill payment request
Enter 6 digits OTP (One-time Password) sent to your mobile number
OR
Tap the white button on your token to generate a one-time passcode and tap next
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
How to Top-up Mobile
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.
Click on the steps to view screens
Login to AYA Bank M-Banking with your user ID and Pin
Go to Top-up Mobile Numbers
Choose the account you wish to make payment to
Enter the mobile number and the amount you wish to top-up
Enter 6 digits OTP sent to your mobile number
OR
Tap the white button on the token to generate a one-time passcode and tap next
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.
How to Transfer Funds
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.
Click on the steps to view screens
Login to AYA Bank m-Banking with your user ID and Pin
Go to transfer funds
Choose "my accounts" or "other AYA Account"
Enter transfer account number and the amount you wish to transfer
Review the details and tap check button to complete your transfer request
Enter 6 digits OTP sent to your mobile number
OR
Tap the white button on the token to generate a one-time passcode and tap next
Your transaction has been completed and keeps the reference number
Notes: Please note that there is a transaction fees applied for every transaction.
How to check Credit Card Transation Details
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.
Click on the steps to view screens
Login to AYA Bank M-Banking with your user ID and Pin
Go to Manage Cards
Under Manage Cards, tap Activate credit card to check your transactions
How to Request Money
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.
Click on the steps to view screens
Login to AYA Bank M-Banking with your user ID and Pin
Tap Request money
Create a QR code to fill the account number, name, and amount
Use the QR code to receive money
Simply Pay With QR Code
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.
Click on the steps to view screens
Login to AYA Bank M-Banking with your user ID and Pin
Tap QR Scan and Pay
Scan the QR code
Enter the account number and the amount you wish to transfer
Review the details and tap check button to complete your transfer request
Enter 6 digits OTP sent to your mobile number
OR
Tap the white button on the token to generate a one-time passcode and tap next
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.
How to check locations of ATMs and Branches
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.
Click on the steps to view screens
Login to AYA Bank m-Banking with your user ID and Pin
Go to ATM & Branch Locator
Tap the red button on the map to find the address
How to check eligibilty for Loan application
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.
Click on the steps to view screens
Under Login page, tap Products and Services
Under hire purchase, calculate the monthly payment with estimated loan amount
Under Loan and Advances, learn the information of AYA Auto Loan, Education Loan, and Home Loan
Calculation for Deposits' Interest
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.
Click on the steps to view screens
Under Login Page, Tap Facility Calculator
Select AYA Saving (or) AYA Fixed Deposit
Enter the principal amount to calculate the interest receivable per month
How to manage payees
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.
Click on the steps to view screens
Login to AYA Bank m-Banking with your user ID and Pin
Tap Manage Payees
Enter the account number and payee name you wish to add
Review the details and tap check button to complete your request
Enter 6 digits OTP sent to your mobile number
OR
Tap the white button on the token to generate a one-time passcode and tap next
Your transaction has been completed and new payee name is updated in account.
Cardless cash withdrawal at ATM
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.
Click on the steps to view screens
Login to AYA Bank m-Banking with your user ID and Pin
Select ATM Withdrawal
Enter the accept button to request code
Enter the account number and the amount you wish to withdrawal
Review the details and tap check button to complete your request
Enter 6 digits OTP sent to your mobile number
OR
Tap the white button on the token to generate a one-time passcode and tap next
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.
Personal Financial Management (PFM)
Click on the steps to view screens
Login to AYA Bank m-Banking with your user ID and Pin
Choose Personal Financial Management in the Hamburger menu
View detail to see loan information
Click on Missed Payment to see previously missed payment histories
Click on Pay Now to repay the loan
Choose Other AYA Account and fill up the information to pay for the loan
Scan QR AYA Pay Merchant
Click on the steps to view screens
Login to AYA Bank m-Banking with your user ID and Pin
Choose QR Scan& Pay in the Hamburger menu to pay AYA PAY Merchant
After scanning merchant QR, merchant information will be shown
Fill up the rest information
Recheck Information to confirm the payment
Verify the transaction with one time OTP code which is sent to your SMS
After transaction authentication is done, payment is made successfully
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
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