Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

AYA Bank review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

AYA Bank pays 8.25% on an easy-access account that lets you withdraw and transfer at any time, and it lends directly at 14.5%. It suits savers in Myanmar who want a high variable rate on modest balances, plus borrowers whose salary already lands in an AYA account.

Key facts

Best for
An easy-access savings account paying a high variable rate, for savers based in Myanmar.
Headline rate
8.25%↗
Rate type
Variable↗
Term
1 to 12 months↗
Minimum deposit
MMK 1,000↗
Access terms
Withdraw and transfer anytime, anywhere; interest credited monthly↗
Account kind
Easy access↗
Legal entity
Ayeyarwady Bank Public Company Limited (AYA Bank PCL)↗
Headquarters
Myanmar↗
Founded
2010↗
Support channels
Email, Phone, Help-centre↗
Official website
ayabank.com

Loans

APR
14.5%↗
Loan amount
MMK 300,000 to MMK 20,000,000↗
Arrangement fee
MMK 15,000↗
Credit check
Hard↗
Lender type
Direct lender↗
Eligibility
Monthly salary paid to an AYA Bank deposit account or wallet; minimum income MMK 300,000 per month; minimum 2 years working experience↗
Loan types
Personal↗

Mortgages

Initial rate
13% to 15%↗
Maximum loan to value
75%↗
Product fee
MMK 10,000↗
Purpose
Purchase↗

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
LinkedInXfacebook.com

Pros and cons

Pros

  • Interest of 8.25% on an easy access savings account, with interest credited to the account monthly.
  • Withdrawals and transfers are allowed at any time and anywhere on the regular saving account.
  • Support runs on email, phone and help centre, so phone, email and a help centre are all available.

Cons

  • The rate type is variable, so the 8.25% headline can move rather than stay fixed for a term.
  • The credit check on personal loans is hard, so applying can affect how lenders see you later.
  • Personal loans carry an origination fee of MMK 15,000 on top of the 14.5% rate.
AYA Bank

Ready to try AYA Bank?

Scored 8.9 / 10 by SumCue.

See alternatives

Who it suits

  • Savers in Myanmar building an emergency fund, since the account is easy access and starts at MMK 1,000.
  • Borrowers paid a monthly salary into an AYA account, with personal loan amounts running MMK 300,000 to MMK 20,000,000 at 14.5%.

Who should look elsewhere

  • Not Wise, whose 3.29% pays less than the 8.25% on offer here.
  • bunq at 3.01% will not suit you if the rate is your main reason to save.
  • Finteres at 0% to 36% suits anyone after a term product rather than an easy access account.

Rates and card terms

The savings account pays 8.25% and the rate type is variable, so the figure can change rather than stay locked for a term. Personal loans are priced at 14.5% with terms of 1 to 12, so a longer term spreads the repayment but raises the total cost. Weigh the loan rate against the savings rate before you decide where your money sits.

The company behind it

The account is run by Ayeyarwady Bank Public Company Limited (AYA Bank PCL), based in Myanmar and founded in 2010. You are dealing with an established local bank rather than a foreign platform, which matters if your money never leaves the country. Support runs on email, phone and help centre, so you can reach the bank by phone, by email or through its help centre.

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 interest rate does AYA Bank pay on savings?+

The regular saving account pays 8.25% and the rate type is variable, so the figure is not fixed for a set period. Interest is credited to your account monthly, and you can ask the bank for the current figure before you commit funds.

How much do I need to put in to open the account?+

The minimum deposit is MMK 1,000, so the account suits people starting with a modest amount rather than a large balance. You can add to the balance as your income allows, and the same easy-access terms still apply once the account is open.

Can I withdraw money when I need it?+

Yes. The account kind is easy access, so withdrawals and transfers are allowed at any time and anywhere, with interest credited monthly. That flexibility suits an emergency fund you may need to draw on quickly rather than money you plan to lock away for a term.

Who regulates AYA Bank?+

The bank is Ayeyarwady Bank Public Company Limited (AYA Bank PCL), headquartered in Myanmar, and it is regulated by the Central Bank of Myanmar. Because it is a licensed local bank rather than an overseas platform, your savings sit with a Myanmar institution and local rules apply.

How do I contact the bank if something goes wrong?+

Support runs on email, phone and help centre, so you can pick the channel that suits you, whether a phone call, an email or the help centre. Phone and email both reach the bank directly, which helps if a transfer or a loan payment looks wrong.

What does a personal loan from AYA Bank cost?+

Personal loans are priced at 14.5% and amounts run MMK 300,000 to MMK 20,000,000, with terms of 1 to 12. An origination fee of MMK 15,000 applies on top, and the credit check is hard, so a declined application can still affect your credit file.

Who qualifies for the personal loan?+

You need a monthly salary paid into an AYA Bank deposit account or wallet, plus a minimum monthly income and a minimum period of working experience. Borrowing is priced at 14.5% over terms of 1 to 12, so anyone without that salary route is unlikely to be accepted.

Can I borrow for a home purchase?+

There is a home loan product with an initial rate of 13% to 15% and a maximum loan to value of 75%. The stated purpose is purchase, and a product fee of MMK 10,000 applies, so the total cost depends on the deposit you bring.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Deposit protection.

AYA Bank

AYA Bank

An easy-access savings account paying a high variable rate, for savers based in Myanmar.

8.9/10See alternatives