uab Bank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
uab bank pairs a variable savings rate with a straightforward passbook account and a direct personal loan, which suits customers in Myanmar who want one bank for saving and borrowing. Its saving rate of 9% to 10.5% sits well above the site median of 3%.
Key facts
Loans
- APR
- 15%↗
- Loan amount
- MMK 10,000,000↗
- Term
- 36 months↗
- Rate type
- Variable↗
- Lender type
- Direct lender↗
- Free early repayment
- No↗
- Eligibility
- Salaried with minimum monthly salary MMK 250,000 or a permanent source of income; permanent employees need 2 years service; loan limited to 10 months gross income↗
- Loan types
- Personal, Secured↗
- Pricing model
- Fixed rate
Savings
- Headline rate
- 9% to 10.5%↗
- Minimum deposit
- MMK 10,000↗
- Access terms
- Passbook account; balance access via mobile application and online banking; cash withdrawals at any uab or MPU ATM↗
- Account kind
- Easy access↗
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- A variable savings rate of 9% to 10.5% against a site median of 3%
- Free ATM withdrawals of MMK 0 on the debit card
- A low minimum deposit of MMK 10,000 for an easy-access savings account
- Personal loans of MMK 10,000,000 at 15% over 36
Cons
- Free early repayment is not offered, so an early payoff carries a cost
- Support runs on phone, email and help centre only, with no live chat
- Loan eligibility caps the amount at a set multiple of gross monthly income
Who it suits
- Salaried customers building a first balance in an easy-access account
- Borrowers who want a fixed-rate personal loan from a direct lender
- Card users who want free cash withdrawals from uab or MPU ATMs
Who should look elsewhere
- People who need live chat, as support runs on phone, email and help centre only
- Borrowers who expect to clear a loan early without a charge
- Anyone looking outside Myanmar for a home market
Rates and terms
The savings account pays a variable rate of 9% to 10.5%, above the site median of 3%, with easy access to the balance and a minimum deposit of MMK 10,000. The personal loan is a fixed-rate product: 15% for a term of 36, on amounts up to MMK 10,000,000. Loans come as personal and secured lending, arranged directly rather than through a broker.
Who runs it
uab bank is operated by uab bank Limited, headquartered in Myanmar and founded in 2010. It is a direct lender, so you deal with the bank itself rather than a comparison service. Support runs on phone, email and help centre, which covers phone and email alongside a help centre, but leaves live chat out of the mix.
How uab Bank compares
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9.0 vs 8.0- 9.0 vs 8.0
Frequently asked questions
What rate does the savings account pay?+
The account pays a variable rate of 9% to 10.5%, and the rate type is variable rather than fixed. That sits above the site median of 3%, so the balance earns more than a typical account in the comparison. The minimum deposit to open it is MMK 10,000.
Is there a minimum deposit to open the savings account?+
Yes, the account needs a minimum deposit of MMK 10,000. For context, the median minimum deposit across the site is €0.88, so this is close to the middle of the range. The account kind is easy access, which suits money you may want to reach at short notice.
How do I get at my money?+
The account is a passbook account, and your balance is also reachable through the mobile application and online banking. Cash withdrawals work at any uab or MPU ATM. Support is available by phone, email and help centre if you need help with the account.
What does the personal loan cost?+
The loan is priced at 15% and runs for 36, on amounts up to MMK 10,000,000. The rate model is fixed, so the cost does not drift during the term. The site median rate is 15.5%, so compare the two before you apply.
Who can qualify for a personal loan?+
Eligibility is aimed at salaried applicants with a minimum monthly salary, or anyone with a permanent source of income. Permanent employees need a minimum period of service, and the amount borrowed is capped at a multiple of gross income. uab bank lends directly, so direct lender applies rather than a broker.
Can I repay the loan early?+
Free early repayment is not offered, which sets it apart from the 79.4% share of the site where it is free. Plan for the full term of 36 before you sign, or check the cost of settling early with the bank.
What kind of card does uab bank offer?+
The card is a debit card, so spending draws straight from the current balance rather than borrowing. Free ATM withdrawals are set at MMK 0 on the card. The card runs on the MPU network alongside uab branches.
How is uab bank regulated and where is it based?+
The bank trades as uab bank Limited and is headquartered in Myanmar, having been founded in 2010. It is a direct lender, which means direct lender describes how the loan reaches you. Check the legal notice for the current regulatory details.
Sources
- uab.com.mm checked September 26, 2026
Backs: Headquarters, Support channels
“uab Tower @ Times City, Kyun Taw Road, Kamayut Township, Yangon 11041, Myanmar”
- uab.com.mm/about-us checked September 26, 2026
Backs: Founded
“Founded in 2010, uab bank has grown rapidly, now serving an expanding customer base through more than 80 branches across 56 townships in Myanmar.”
- uab.com.mm/legal-notice checked September 26, 2026
Backs: Legal entity
“This Legal Notice apply to your access and use of the website of uab bank Limited. The term 'uab' or 'uab bank' refers to uab bank Limited.”
- uab.com.mm/personal/deposits/savings-account checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Rate type
“Can transfer money from one account to another, and access account balance is available through mobile application, online banking.”
- uab.com.mm/personal/loans/personal-loan checked September 26, 2026
Backs: Loan amount, APR, Eligibility, Free early repayment, Lender type, Loan types, Pricing model, Term
“Maximum Loan amount MMK 10 million.”
- uab.com.mm/cards/uab-mpu-upi-debit-card checked September 26, 2026
Backs: Free ATM withdrawals, Card type
“Cash Withdrawal | Free at uab bank ATM”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Currency conversion fee, Protection.