Comparison

CB Pay vs AYA PAY Wallet

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

CB Pay

This mobile banking app offers a convenient way to manage your finances on the go. Perform transfers, make payments via QR codes, top up mobile phones, and apply for banking services. It also helps you locate ATMs, branches, and merchants.

Highlights
  • Money transfers via ATM, account, phone, or NRIC number
  • Dynamic and static QR code payments
  • Mobile top-ups for major carriers
  • ATM/branch/merchant location finder
  • Scheduled payments
  • Bill payments
Features
Read full description

CB Bank PCL is one of the largest private banks in Myanmar. CB Bank was established on 21st August 1992 with the permission of the Central Bank of Myanmar under the law of Financial Institutions of Myanmar and the Central Bank of Myanmar. CB bank always strives to offer enjoyable experiences for the customers with the best solution and most reliable financial services. With such objectives towards improving technology and innovation in the rapidly changing landscape of banking and financial services, we have launched the CB Pay – mobile banking app which is a solution to delight our valued customers. CB Pay not only facilitates banking at your fingertips but also eases your lifestyle. CB Pay is a mobile banking service which is available to use in all mobile phone devices. Customers can download CB Pay app to their mobile phones and do self-registration for their wallet account. If customers already have ATM card, they can register with their ATM card number so that CB pay will automatically link with his ATM card account. CB Pay Features - Transfer money to all CB Bank customers with ATM card number, Account number, Phone number (CB pay number) or even with NRIC number for those who do not have bank account/ATM or CB pay wallet account. - Pay or Request money with dynamic QR code within CB pay users. - Make payment with static QR code at stores, restaurants or taxi drivers. - Check the default account’s balance at sneak peak - Top-up mobile (MPT, MecTel, Telenor, Ooredoo) - Enjoy services like ATM card application, loan application or cheque book requests. - Pay your bills such as electricity bill, 4-TV bill or insurance. - Top-up Master/Visa cards and repay credit card - Find your nearest CB Bank ATMs/CRM, branches, Exchange Counters, CB agents and Merchants locations on-the-go. - Scheduling your payment for specific purpose and dates. - Find up-to-date exchange rate

About

AYA PAY Wallet

This app simplifies everyday payments and money transfers. Easily top up mobile phones, cash in and out at agents or ATMs, and transfer funds to other wallets or unlinked accounts. It also facilitates bill payments and merchant transactions via QR codes.

Highlights
  • Mobile top-up for 5 networks
  • Cash in/out at agents and ATMs
  • Wallet to Wallet transfers
  • Bill payments
  • QR code payments
  • Transaction history
Features
Read full description

Subscriber App is an app of AYAPAY system that is designed to bring convenience payments and money transfers into your everyday life With the Subscriber App, you can: - Top up your mobile phone with 5 networks: MPT, Mytel, Ooredoo, Telenor, Mipec - Cash in your Wallet at Agents or by verified AYA bank account - Cash-out money at Agents or at ATMs - Simply transfer money to Wallets, to Unwallet by OTP/NRIC or request transfer to receive money - Easily bills payment at any time with 2 billers: Ananda, Canal+ - Quickly payment in Merchant stores by scanning QR code or accepting the payment request - Conveniently move money between Agent's Wallet and linked AYA bank account - Transaction management: review wallet balance, all transactions history over time and receive transaction notifications

Screenshots

CB Pay4 screens
AYA PAY Wallet4 screens

Verdict

The call

The clearest difference is rating: AYA PAY Wallet at 4.3 against CB Pay's 3.7. AYA PAY Wallet also leads on review sentiment (52% vs 22%) and update cadence (monthly vs every 4 months). On price, ratings volume, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

AYA PAY Wallet holds the better App Store score, 4.3 against 3.7. Both are backed by a comparable volume of ratings — 536 and 517 respectively. Written reviews point the same way: 22% of CB Pay's written reviews are positive against 52% of AYA PAY Wallet's.

UpkeepUpdate frequency

CB Pay ships an update every 4 months, AYA PAY Wallet monthly. The most recent releases landed on November 2, 2026 and November 5, 2026 respectively.

Scorecard3 real differences · 7 level
CB Pay versus AYA PAY Wallet: the parameters behind the verdict, then further details
ParameterCB PayAYA PAY Wallet
PriceFreeFree
Rating3.7 (536 ratings)4.3 (517 ratings) — better
Positive reviews21.6% of reviews51.8% of reviews — better
Number of ratings536 — better517
Update frequencyEvery 4 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.0 — better15.1
Further details — not scored
Size39 MB124 MB
Age rating4+4+
DeveloperCB BANK PCLAYA Bank

Customer experience

CB Pay

All ratings532 ratings
Positive64.8%
Neutral10.5%
Negative24.6%
Written reviews88 reviews
Positive21.6%
Neutral12.5%
Negative65.9%

AYA PAY Wallet

All ratings505 ratings
Positive81.4%
Neutral4.0%
Negative14.7%
Written reviews56 reviews
Positive51.8%
Neutral3.6%
Negative44.6%

User reviews

CB Pay

From 536 App Store ratings

What we love

  • 👍 User-friendly app
  • 🚀 Easy to use
  • 💡 Useful features like mobile top-up and bill payment

Room to improve

  • 🐛 Crashes and bugs
  • ⏱️ Slow performance and frequent timeouts
  • 🔒 Security issues with login and session management
  • 📱 Compatibility problems with newer iOS versions
  • 💸 Poor customer service

AYA PAY Wallet

From 517 App Store ratings

What we love

  • 👍 Easy to use
  • 🚀 Fast transactions
  • 🔒 Secure transactions
  • 💎 Points for exchange
  • 📱 User-friendly interface

Room to improve

  • 🐛 App crashes after update
  • 🐛 App not working on iOS
  • 🐛 Cannot click anything in app
  • 🐛 Blank screen for transfers
  • 🐛 Money gone but not received

Bugs and requests

CB Pay

Reported bugs

4 issues
  • Login screen freezes and crashes
  • Issues with mobile top-up and bill payment
  • Incorrect transaction dates
  • Problems with gift card and QR code scanning features

Requested features

4 requests
  • Expand transaction history view
  • Add support for more payment methods like Wave Money
  • Improve UI and design
  • Implement Myanmar Unicode support

AYA PAY Wallet

Reported bugs

13 issues
  • App crashes after updating v3.3.4
  • Cannot click anything in app after entering
  • Bank to wallet and wallet to bank transfers not working (blank screen)
  • Cash in from bank to wallet fails, money lost
  • App logs out and remaining balance shows 0
Show 8 more
  • Unable to load software after update
  • App won't start if notifications are disabled
  • Cannot touch register button on iPhone X UI
  • Travel and Shopping features not available
  • Cannot add Aya account
  • NRC selection field missing options for KYC upgrade
  • App itself logs out while using other functions
  • No lock to open app

Requested features

3 requests
  • Add more options to level up account (e.g., Student ID)
  • Allow choice for update alerts (later or update)
  • Add Travel and Shopping features

In-app purchases

None

CB Pay

No in-app purchases

None

AYA PAY Wallet

No in-app purchases

Questions

Is CB Pay free?
CB Pay is free to download, with no in-app purchases.
Is AYA PAY Wallet free?
AYA PAY Wallet is free to download, with no in-app purchases.
Which has better reviews, CB Pay or AYA PAY Wallet?
AYA PAY Wallet is rated higher. CB Pay averages 3.7 out of 5 from 536 ratings, while AYA PAY Wallet averages 4.3 from 517 ratings.
Do CB Pay or AYA PAY Wallet have ads?
Neither CB Pay nor AYA PAY Wallet shows ads.
Which is updated more often, CB Pay or AYA PAY Wallet?
CB Pay ships an update every 4 months, and AYA PAY Wallet monthly. Most recently, CB Pay was updated on November 2, 2026 and AYA PAY Wallet on November 5, 2026.

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