AYA PAY, powered by AYA Bank, launched the latest version - AYA PAY n3x. Delivering a wealth of features to make your financial interactions seamless.
AYA PAY n3x IS THE NEXUS - the point of intersection between merchants and their customers, between agents and those in need to move cash, between promotions and value for money.
From Peer-to-Peer payments to QR code transactions and real-time in-app notifications, AYA PAY n3x is bringing convenience and control to your fingertips.
Loyalty points and attractive discounts are at your disposal, creating an ecosystem that connects you with our partners.
AYA PAY n3x starts with you, the user. The essence of our design philosophy lies in the human element. AYA PAY is not just focusing on functionality but also in making sure that every interaction is intuitive, personal, and meaningful. It's about connecting the physical and the emotional.
More newly added features such as; 
•    The first to feature in Digital Wallets in Myanmar, Light Mode and Dark Mode 
•    Group Deals where you can buy Digital Coupon Vouchers as a group at the fairest prices
•    Food Ordering System that foods can be pre-ordered to be ready for pick-up 
•    AIA Lead Gen - CRITICAL ILLNESS CARE, which all Platinum Users of AYA PAY will be able to enjoy.
 AYA PAY n3x brings every features “Just on your fingers tips” or လက်လေးပဲလှုပ်လို့ရပြီ
Start downloading or upgrade to AYA PAY n3x now for a brighter, more accessible financial future.
Android     -
iOS             -
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လက်လေးလှုပ်ရုံနဲ့  ငွေလွှဲ ၊ ငွေထုတ် ၊ ငွေသွင်း ၊ ဘေလ်ရှင်း တာတွေကို ပြုလုပ်နိုင်မယ့် AYA Pay n3x Version အသစ် ကို ယနေ့ မိတ်ဆက်ပေးလိုက်ပါပြီ။
AYA ကို စဉ်ဆက်မပြတ် အားပေးနေတဲ့ သုံးစွဲသူမိတ်ဆွေများအနေနဲ့ အခုပဲ Download/ Upgrade လုပ်ပြီး နေ့စဉ်ငွေပေးချေမှုများကို ဖုန်းတစ်လုံးရှိရုံနဲ့ ပေါ့ပါးခေတ်မီစွာ အသွင်အပြင်အသစ်၊ Feature အသစ်များနဲ့  ဆောင်ရွက်နိုင်ပြီဖြစ်ပါတယ်။  "လက်လေးပဲလှုပ်လို့ရပြီ" ဆိုတဲ့အတိုင်း သင့်လက်ထဲမှာ AYA Pay n3x Version အသစ်ရှိရုံနဲ့ Scan ဖတ်ငွေပေးချေခြင်း၊ ဖုန်းဘေလ်ဖြည့်ခြင်း၊ ငွေလွှဲ၊ ငွေထုတ်၊ ငွေသွင်း၊ ဘေလ်ရှင်းတာတွေအပြင် နောက်ထပ် အသစ်ထပ်တိုးလာတဲ့ Features တွေကတော့ 
•    Digital Wallet တွေရဲ့ ပထမဆုံး Feature ဖြစ်တဲ့ Light Mode, Dark Mode Options 
•    Digital Coupon Voucher တွေကို အသက်သာဆုံး ဈေးနှုန်းတွေနဲ့ “စုဝယ် ခုကြွယ်” လို့ရမယ့် Group Deals
•    မုန့်တွေကို ကြိုတင်အော်ဒါမှာယူလို့ရမယ့် Food Ordering System 
•    AYA Pay ရဲ့ Platinum Users တိုင်း ခံစားခွင့် ရရှိနိုင်မယ့် AIA Lead Gen - CRITICAL ILLNESS CARE Feature စတဲ့ Features အသစ်တွေ ပါလာပါပြီ။

AYA Pay n3x Version ကို Download and Upgrade လုပ်ထားပြီး မကြာမီအချိန်အတွင်း ဆက်လက်မိတ်ဆက်သွားမယ့် အကောင်းဆုံးအကျိုးခံစားခွင့်များကို ရယူလိုက်ရအောင်ပါ။  
“AYA Pay” ကို Download ရယူရန် 

Android     -
iOS             -
AppGallery  -


03 Nov 2023

AYA Bank သည် သုံးစွဲသူမိတ်ဆွေများအားလုံးအတွက် အစဉ်ကောင်းမွန်သော ဘဏ်ဝန်ဆောင်မှုများကို လုပ်ဆောင်လျက်ရှိပါတယ်။ ဘဏ်အတွင်းအောက်ပါဖောက်ဖျက်ကျူးလွန်မှုများ တွေ့ရှိပါက ဆက်သွယ်အကြောင်းကြားပေးပါရန် အသိပေးအပ်ပါတယ်။

•    ရာခိုင်နှုန်းဖြင့် အကျိုးအမြတ်ယူ၍ ငွေသားထုတ်ပေးခြင်းများ၊
•    ဘဏ်အကောင့်ထဲရှိ အပ်နှံထားသည့်ငွေများနှင့် ဘဏ်ပြင်ပရှိငွေသားများ လဲလှယ်ထုတ်ပေးခြင်းများ၊
•    ဘဏ်ဝန်ဆောင်ခ နှုန်းထားများအပြင် ရာခိုင်နှုန်းဖြင့် အခကြေးငွေများ ကောက်ယူခြင်းများရှိပါက AYA Bank Contact Center သို့ ဆက်သွယ်အကြောင်းကြားနိုင်ပါကြောင်း အသိပေးအပ်ပါတယ်။

AYA Bank Contact Center - 01-2317777
မြန်မာနိုင်ငံတော်ဗဟိုဘဏ် ဖုန်း - 067-418505

12 Oct 2023

Lately, there has been a concerning trend of malicious apps infiltrating users' mobile phones through advertisements on popular Social Networks such as Facebook. These ads often promote seemingly legitimate services, but they contain hidden malware.

If you happen to download and use these deceptive apps, external parties gain control over your phone, enabling them to steal sensitive information like your mobile pay password and OTP (One-Time Password). With this access, they can transfer your money without your knowledge and even borrow money from your social network connections.

For your safety and security, it is crucial to avoid installing unreliable apps and exercise caution while using your mobile phone. Stay vigilant and protect your personal data from potential threats.


လတ်တလောတွင် Facebook ကဲ့သို့ Social Network များ၏ ကြော်ငြာ မှတဆင့် မိမိ၏ဖုန်းထဲသို့ apps သွင်းခိုင်းစေပြီး malware များပါထည့်သွင်းနေခြင်းကို ကြားသိရပါသည်။  

ထို apps ဝင်ရောက်ပြီးပါက မိမိ၏ ဖုန်းအားဝင်ရောက်ထိန်းချုပ်ပြီး မိမိ၏ ဘဏ်အကောင့်၊ မိုဘိုင်း wallet password နှင့် OTP များအားခိုးယူပြီး မိမိမသိပဲ ငွေလွှဲယူနိုင်ပါသည်။ ထို့အပြင် မိမိ၏ social account မှ မိတ်ဆွေများထံသို့ ငွေချေးမှုများပြုလုပ်နိုင်ပါသည်။ 

သို့ပါသဖြင့် မိမိ၏ ဖုန်းအား မိမိမသိသော၊ စိတ်မချရသော apps များအား ထည့်သွင်းခြင်းမပြုရန် သတိပြုလုပ်ဆောင်ကြပါရန် အကြောင်းကြားအပ်ပါသည်။

07 Aug 2023

Is your company currently partnered with AYA Bank for payroll services? 

AYA Bank has an exciting announcement for our payroll service customers - an exclusive credit card offer of a 100% annual fee waiver for your employees, valid for up to five years. 

This employee benefit not only empowers your team with financial flexibility but also alleviates the burden of typical annual fees. With a choice of MPU, JCB, and Visa, there is an option for everyone, all with up to a 100% annual fee waiver.


Are you interested in taking advantage of this outstanding offer?

If your company is considering payroll services for your employees, you're warmly invited to visit any AYA Bank branch. Take your banking experience to new heights with AYA Bank.

10 Jul 2023

If you haven't used your AYA account (ie, Current Account / Savings Deposit /  Call Deposit ) in 365 days, it may have gone dormant.

20 Dec 2022

Don’t fall victim!

We believe that fraud prevention is everyone’s responsibility.

The Bank is not liable for your loss caused by social media and online frauds.

ü  Winning lottery;

ü  Sending parcels or money from abroad;

ü  Sweepstake or prize draw

are the most common reasons fraudsters contact you from social media (Facebook) and asked you to send money through banking, so that they can proceed for the payment of your winnings.
Hence, banking customers should process with special care to ensure that there are no financial frauds in money transfer for the above cases and if you are in doubt, please inform the person in charge of the branch and get advice.



You may receive following communications from fake Facebook Page and Messenger for

• Being forced to transfer money;
• Asking for password information;
• Requesting ATM card front / back photo


Ø  Do not give your OTP code to anyone

Ø  Do not give your ATM PIN to anyone

Ø  Do not give your 16-digit card number to anyone



07 Jan 2022

The culmination of its commitment to continuous improvement and expansion of its depth and breadth of service to its cherished customers, by providing them with progressively more efficient and intuitive platforms, through the adoption of new technologies, AYA Bank will be upgrading to its new Core Banking System on 20 July 2021.

In the interest of updating its valued users prior to launch and ensuring a seamless transition between systems, key points pertaining to major changes are presented below:

New Account Numbers

As the Core Banking System will feature Bank Account Numbers with 11 digits, instead of the current 16, customers will be able to obtain their new Account Number via online or branch, starting from 11 Jan 2021. Customer can type Name, NRC No., Account Number (16 digit), Phone Number and Home Branch Name in, then Bank will send back New Account Number to your typed Phone Number via SMS. Besides, customers using the AYA Mobile Banking application will be able to see their new account numbers (applicable for accounts linked to Internet/ Mobile banking) that the application will begin displaying on its Home Page starting the 1st day of new system (20 July 2021). Loan and Hire Purchase (HP) account numbers will be available at all AYA Bank branches upon customer inquiry, prior to and following the Core Banking update.

The Passbook, Cheque and Card

The bank is happy to announce that, despite the new account numbers, customers are not required to make any changes to their Passbook, Cheque or Card; these products retain their features and can be used just as before.

Mobile Banking, Internet Banking and ATM

No changes are required to be made for individual Mobile Banking, Internet Banking and ATM Card; customers will be able to sign in using their current Username and Password and continue using the products normally.
With the new system cutover, once the new system is in place, customers will be required to re-enter their schedule payments/ Fast Pay/ etc. in their platforms.

A consequence of the breadth of its upgrade, the system will only display, on Mobile Banking and Internet Banking both, new customer transactions that occur after the 20th of July, 2021. Therefore, it is advised that, should customers wish to view it for periods preceding the schedule Core Banking update, they preemptively download and save their transaction histories now by utilizing the most convenient means, be it exporting to Excel, printing, or screen capturing. However, though the ‘transaction details’ tool under the ‘information Inquiry’ function on the iBanking site is affected by the aforementioned refresh, the alternative procedure for transaction history viewing, the ‘iBanking transaction history’ tool under the ‘Payment’ function, is not. Thus, customers can follow it to view their transaction history (limited to 3 months) for periods prior to the 20th of July 2021. Alternatively, customers will be, as they currently are, obtain their transaction history by requesting for their Bank Statement at the nearest AYA Bank branch.

Account Transfers

As all customers will receive an update to their account numbers, those wishing to make transfers are respectfully reminded to be sure to obtain the recipient’s new account number from them directly.

Corporate Internet Banking

The Corporate Internet Banking service will be receiving a wide array of upgrades- improvements upon, and introductions of, features that enable AYA to serve its valued customers better. As such, corporate customers will require new Login information (URL, User ID, Company ID, Password), the details of which can be acquired from one’s Relationship Manager, prior to and following the system overhaul.

On Account Security

At no point during the Core Banking system cutover, or at any time, will AYA Bank extend unsolicited inquiries to customers seeking their log-in information e.g. Username, Password, NRC, or any other information related to log-in, nor will make any charges pertaining to the system update; such solicitations are to be considered fraudulent. As such, to ensure account integrity, customers are respectfully urged to keep their key personal information confidential.



All questions can be directed to the AYA Bank Contact Center, available at 01-2317777.

20 Jul 2021