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AYA Bank review

Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026

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Our verdict

AYA Bank pairs a 8.25% headline rate on its regular saving with remittances that reach an AYA account or AYA Pay wallet instantly, at a conversion fee of 5% to 15%. It suits Myanmar savers and families who want one bank for savings and for money sent home.

Key facts

Best for
Savings and remittances run through the same bank, with 8.25% on the regular saving and 0 to send money home.
Currency conversion fee
5% to 15%↗
Currencies
5↗
Transfer fee
0↗
Legal entity
Ayeyarwady Bank Public Company Limited↗
Headquarters
Myanmar↗
Founded
2010↗
Support channels
Email, Phone, Help-centre↗
Official website
ayabank.com

Savings

Headline rate
8.25%↗
Rate type
Variable↗
Minimum deposit
MMK 1,000↗
Access terms
Withdraw and transfer anytime, anywhere; interest credited monthly↗
Account kind
Easy access↗

Money transfer

Delivery time
Instant credit to AYA account and AYA Pay wallet; same-day transfer to any local banks in Myanmar↗
Payout methods
Bank, Cash-pickup, Wallet↗
Fee to send 1,000
MMK 0↗

Facts checked September 26, 2026, 5 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
LinkedInXfacebook.com

Pros and cons

Pros

  • The regular saving pays 8.25% with interest credited monthly, and you can withdraw or transfer at any time
  • Remittances cost 0, with instant credit to an AYA account and the AYA Pay wallet and the same day to local banks
  • Payouts go to bank, cash pickup and wallet
  • Covers 5 currencies, and the bank has traded since 2010

Cons

  • Currency conversion costs 5% to 15%, against 0% charged by AXI Card
  • A variable rate can move, and the saving needs a minimum deposit of MMK 1,000 to open
  • Holding 5 currencies is narrow next to the 350 held by the widest multi-currency accounts here
AYA Bank

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Scored 8.6 / 10 by VaultCue.

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Who it suits

  • Myanmar savers who want access on demand: the easy access regular saving pays 8.25% and credits interest monthly
  • Families receiving money from abroad who want it in an AYA account or the AYA Pay wallet straight away
  • Customers who would rather sort a query by email, phone and help centre than visit in person

Who should look elsewhere

  • Frequent currency converters, because conversion costs 5% to 15% here against 0.5% at XTB and 3.99% at Skrill
  • Anyone chasing the thinnest conversion costs, since AXI Card charges 0%

How AYA Bank compares

Where AYA Bank is available

Available
Myanmar
Licence in Myanmar
Central Bank of Myanmar, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does AYA Bank charge to convert currency?+

Its currency conversion fee is 5% to 15%, the main cost to weigh on an everyday account. By comparison XTB lists 0.5% and Skrill lists 3.99%, so people who convert often pay more here.

What interest does the regular saving pay?+

The regular saving pays a headline rate of 8.25%, credited monthly. It is an easy access account, so the balance stays available rather than being tied away for a term. The rate is variable, which means it can change.

How much do I need to open the regular saving?+

The minimum deposit is MMK 1,000. Interest is credited monthly once the account is funded, and you can withdraw or transfer at any time, anywhere. The account kind is easy access, so there is no notice period to serve before taking money out.

How fast do remittances arrive and what do they cost?+

Remittances land with instant credit to an AYA account and the AYA Pay wallet, and the same day to any local bank in Myanmar. The transfer fee is 0, and payouts go to bank, cash pickup and wallet.

Who regulates AYA Bank?+

AYA Bank is Ayeyarwady Bank Public Company Limited, headquartered in Myanmar and regulated by the Central Bank of Myanmar. It has operated since 2010, so the money sits with a bank rather than an e-money provider.

How many currencies can I hold?+

The foreign currency service covers 5 currencies, and conversion on them costs 5% to 15%. That is a narrower range than the 350 currencies the widest multi-currency accounts here hold, so multi-currency users have room to compare.

How do I get help from the bank?+

Support runs on email, phone and help centre, so a question can go by email or by phone, or be worked through in the help centre. Fee schedules, account questions and remittance instructions all sit with the same team.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Monthly fee, Licence type, Deposit protection.

AYA Bank

AYA Bank

Savings and remittances run through the same bank, with 8.25% on the regular saving and 0 to send money home.

8.6/10See alternatives