# AYA mBanking 2.0

> Comprehensive mobile banking app for everyday financial management and transactions. (iPhone/iPad app by Ayeyarwady Bank Limited.)

- Source: https://appshunter.io/ios/app/aya-mbanking-20/id1480199255 (this page in markdown: same URL + `.md`)
- Developer: [Ayeyarwady Bank Limited](https://appshunter.io/developer/1356605410)
- Category: Finance, Business
- Price: Free
- Rating: 3.70/5 from 413 App Store ratings · 73 written reviews indexed
- Age rating: 4+
- Requires: iOS 9.0 · 95 MB
- Languages: American English, Macedonian
- Released: 2019-10-28
- Data updated: 2026-06-10
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/aya-mbanking-20/id1480199255/reviews.md

## What is AYA mBanking 2.0?

Meet AYA Bank, the comprehensive mobile app for all your financial needs.

Everyday banking made simple with 24/7 access to your requirements.

Login made easy
-	The AYA mobile banking app offers you the same level of security as online access for your internet banking.
-	Thanks to effective methods of identification and stronger encryption of the data, access to your banking is very well protected.
-	For your protection certain transactions may require additional authentication via “OTP token” or “SMS OTP”.
Smart Banking services personalized to you
-	Calculate for hire purchase, saving and deposit rate and amount without logging in
-	Check the ATM and branch locator before logging in 
-	Manage money better, form paying bills and transfer funds, to tracking cashflow and growing your money with personalized insights.
-	Get digital cards for multiple products at one go with gift cards menu
-	Verify your transaction securely with OTP token or SMS OTP.
-	View your account balance at glance.
-	Manage your account, cards, personal details, and other services seamlessly. 
-	More than 20 banks for interbank transfers with competitive transfer rates.
-	Get alerts and notification on upcoming payments and any activity impacting your account.
-	We’re making the next steps in your banking journey more convenient, so you can focus on what matters the most.
Easy apply with instant approvals
-	Apply for a credit or debit card seamlessly.
-	Discover flexible and affordable repayment schemes.
Prepare for the unexpected
-	Be covered from life’s uncertainties with our comprehensive coverage which provides protection against all stages of cancer. 

Link your Personal Financial Management (PFM) on mBanking 2.0
- Multifunction Loan for you
Make your personal goal and aim for your family with our quick, flexible financing service. Get your hire purchase of automobile or mortgage information and status immediately at your fingertips.
Suite your needs for a house purchase and get a new car for your personal usage and family matters.
You can get your loan, paid amount and next payment status anytime by simply logging in to your mBanking 2.0.

Make payments effortless and seamless!
- Quickly Scan and Pay
Scan QR is the Ultimate Everyday for getting goods, appliances, services, and ordering meals and more at AYA Merchant.
It’s easy for you to get your everyday needs, and it would enable cashless transactions at AYA Merchant.
AYA Merchant can receive your every interactive transaction instantly and securely with a digital banking experience with AYA Bank.

## Key features

- 24/7 account access
- Bill payments and fund transfers
- ATM and branch locator
- Loan and credit card applications
- Personalized financial insights
- Secure transactions with OTP
- QR code payments

## What do users think of AYA mBanking 2.0?

Overall sentiment: neutral

**Pros**

- 👍 Easy to use
- 🚀 Reliable and fast transactions
- 🔒 Robust security features
- ✨ Intuitive and attractive design

**Cons**

- 🐛 Frequent app crashes and update issues
- 🔍 Confusing and cluttered user interface
- 📱 Compatibility issues on older devices
- 🔑 Fingerprint login not working

**Commonly reported bugs**

- Unable to login due to repeated system update prompts
- Transactions not visible or partially displayed
- OTP SMS delivery failure during off-banking hours

**Most requested features**

- Ability to check credit card balance
- Option to transfer funds between credit and debit cards
- Improved transaction history with sorting and filtering
- Customizable font size and contrast settings

## Recent user reviews (10 of 73)

All indexed reviews: https://appshunter.io/ios/app/aya-mbanking-20/id1480199255/reviews.md

### 1/5 — Useless mobile banking app

*2025-03-26*

Always pop up an alert box to update the system which always ends with unable to update whenever login. I have to always delete and reinstall whenever I use the app. Very frustrating

### 1/5 — Bad user experience

*2025-01-31*

Always pop up an alert box to update the system which always ends with unable to update whenever login.

### 1/5 — I cannot see easy transaction line

*2024-12-16, version 2.2.8*

I cannot easy and check my transactions 😞

### 2/5 — Useless

*2024-03-01*

The apps nowadays getting problems and can’t login successfully. Even if I login mobile banking then getting popup of system updating box whenever. Apps team must check your app and if require necessary update.

### 5/5 — Thanks AYA

*2024-01-13*

Easy to use, reliable and good service.

### 4/5 — Sincerely

*2024-01-13*

I recently used the AYA Mobile & AYA Pay. AYA Pay- While the app offers essential features like balance checks and fund transfers, it lacks the user-friendly interface I expected. AYA Pay app occasionally lags, impacting overall usability. Security features are robust, but a more intuitive design and smoother performance would greatly enhance the user experience. With some updates and improvements, this app has the potential to be a standout.

### 5/5 — Highly Recommend in Myanmar

*2024-01-13*

The best bank and the best app for quick transactions and easy use.

### 5/5 — Aya mobile app is

*2024-01-13, version 2.2.7*

very useful app!

### 4/5 — Aya

*2024-01-13*

Easy to transfer money and check balance

### 4/5 — AYA Mobile2.0

*2024-01-13, version 2.2.7*

I’m using AYA Mobile2.0 and AYA pay. Very simple and easy for financial transactions. Highly Recommended.

## Frequently asked questions about AYA mBanking 2.0

### What can I do with the AYA mBanking 2.0 app?

The app allows you to manage all your financial needs, including 24/7 access to your accounts, paying bills, transferring funds, applying for credit or debit cards, and getting personalized financial insights. You can also use it to scan and pay at AYA Merchants.

### How secure is the AYA mBanking 2.0 app?

The app offers the same level of security as online internet banking, with effective identification methods and strong data encryption. Certain transactions may require additional authentication via OTP token or SMS OTP for your protection.

### Can I apply for loans or cards through the app?

Yes, you can seamlessly apply for credit or debit cards and discover flexible repayment schemes. The app also provides information and status updates for hire purchase of automobiles or mortgages.

### Is the AYA mBanking 2.0 app free to use?

Based on the provided information, the app is free to download and use. There are no mentions of subscription fees or upfront costs for accessing its core banking features.

### What are the benefits of using the smart banking services?

Smart banking services allow you to calculate loan rates and amounts, find ATM and branch locations, manage your money better with personalized insights, get digital cards, and view your account balance at a glance, all without needing to log in for some features.

## Version history (last 5 releases)

### 2.2.8 — 2024-02-02

What's new?
By categorising billers into different industries and organisations, it becomes easier for users to find and manage their bill payments with the global search. 
Then, users can quickly identify the biller they need to pay.
Bug fixed, enhanced security and regular maintenance, allowing users to update their AYA Mobile 2.0 for a more reliable experience.

### 2.2.7 — 2023-08-12

What’s new?


We update the AYA mobile app; a customer can see the transaction details after a successful transaction. Then, a user can save the transaction details screen in the mobile app gallery and share it via a third-party application.

Some features update on AYA Pay Merchant payment.
Improvement of some user experiences.
Bugs fixed and enhanced for user interaction.

### 2.2.6 — 2023-02-09

Personal Financial Management (PFM)
Quickly Scan and Pay
Easily copy an account number when you share it with others.
Bugs fixed and optimized application performance.

### 2.2.5 — 2022-03-22

- Interbank Transfer feature
- VISA Prepaid Card Balance Enquiry feature
- Bug fixes and optimize app performance

### 2.1.5 — 2020-06-04

- Tax payment
 - Minor bug fixes and some improvement

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## More apps by Ayeyarwady Bank Limited

- [AYA PAY Agent](https://appshunter.io/ios/app/aya-pay-agent/id1485836005)
- [AYA PAY Merchant](https://appshunter.io/ios/app/aya-pay-merchant/id1485836285)
- [AYA PAY Wallet](https://appshunter.io/ios/app/aya-pay-wallet/id1485836756)
- [AYA PAY Partner](https://appshunter.io/ios/app/aya-pay-partner/id6449485948)
- [AYA Trust Trading](https://appshunter.io/ios/app/aya-trust-trading/id6633430473)

All apps by Ayeyarwady Bank Limited: https://appshunter.io/developer/1356605410

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*