Comparison

CB Pay vs AYA Mobile Banking

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 Mobile Banking

Manage your bank accounts, transfer funds, and handle card transactions with this secure mobile banking app. It offers features like bill payments, prepaid top-ups, and fraud alerts for a convenient digital banking experience.

Highlights
  • Account management with transaction history
  • Fund transfers (own, other, AYA Pay)
  • Card management (lock, unlock, details)
  • Prepaid card top-ups and credit card repayments
  • Bill payments with saved billers
  • Transaction PIN for security
  • Fraud Call Alerts
Features
Read full description

Welcome to AYA Mobile Banking. Start Your Digital Banking Journey! Discover a completely revamped banking experience with AYA Bank’s mobile banking app, designed for your convenience, security, and financial management needs. Seamless Banking Anytime, Anywhere • Effortlessly manage your accounts with 6 months of transaction history and personalized nicknames. • Transfer funds with ease: Own Account, Other Accounts, and AYA Pay transfers, with saved payees for faster transactions. • Experience hassle-free card management: lock, unlock, and check card details and balances, along with complete card transaction history. Powerful Features at Your Fingertips • Top up prepaid cards and repay credit cards in just a few taps. • Simplify bill payments with saved billers and recent payment options. • Enhanced security with Transaction PIN for worry-free transactions. • Fraud Call Alerts help protect you from suspicious phone calls by identifying verified incoming calls from AYA Bank, so you can avoid potential fraud. Redesigned for You • Enjoy a modernized user interface and smoother navigation for a truly engaging experience. • Make smarter financial decisions with comprehensive tools that put you in control. AYA Mobile Banking is your trusted partner in everyday banking, enabling secure, fast, and personalized services 24/7. Upgrade now and explore a world of convenience!

Screenshots

CB Pay4 screens
AYA Mobile Banking4 screens

Verdict

The call

The clearest difference is review sentiment: AYA Mobile Banking at 78% against CB Pay's 22%. AYA Mobile Banking also leads on rating (4.5 vs 3.7) and update cadence (every 6 weeks vs every 4 months). CB Pay's advantage is monetization model (free vs free with in-app purchases) and ratings volume (536 vs 147). On price, ads, in-app purchases and device support 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 Mobile Banking holds the better App Store score, 4.5 against 3.7. Both are backed by a comparable volume of ratings — 536 and 147 respectively. Written reviews point the same way: 22% of CB Pay's written reviews are positive against 78% of AYA Mobile Banking's.

UpkeepUpdate frequency

CB Pay ships an update every 4 months, AYA Mobile Banking every 6 weeks. The most recent releases landed on November 2, 2026 and November 5, 2026 respectively.

Scorecard5 real differences · 5 level
CB Pay versus AYA Mobile Banking: the parameters behind the verdict, then further details
ParameterCB PayAYA Mobile Banking
PriceFreeFree
Rating3.7 (536 ratings)4.5 (147 ratings) — better
Positive reviews21.6% of reviews78.3% of reviews — better
Number of ratings536 — better147
Update frequencyEvery 4 monthsEvery 6 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.0 — better15.1
Further details — not scored
Size39 MB85 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 Mobile Banking

All ratings140 ratings
Positive88.6%
Neutral2.9%
Negative8.6%
Written reviews23 reviews
Positive78.3%
Neutral4.3%
Negative17.4%

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 Mobile Banking

From 147 App Store ratings

What we love

  • 🚀 Fast and reliable
  • 🔒 Safe and secure
  • 👍 Simple and easy to use
  • 💡 Convenient digital features

Room to improve

  • 🐛 Account login issues

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 Mobile Banking

Reported bugs

1 issue
  • Account not found error

Requested features

1 request
  • More digital banking features

In-app purchases

None

CB Pay

No in-app purchases

None

AYA Mobile Banking

No in-app purchases

Questions

Is CB Pay free?
CB Pay is free to download, with no in-app purchases.
Is AYA Mobile Banking free?
AYA Mobile Banking is free to download, with no in-app purchases.
Which has better reviews, CB Pay or AYA Mobile Banking?
AYA Mobile Banking is rated higher. CB Pay averages 3.7 out of 5 from 536 ratings, while AYA Mobile Banking averages 4.5 from 147 ratings.
Do CB Pay or AYA Mobile Banking have ads?
Neither CB Pay nor AYA Mobile Banking shows ads.
Which is updated more often, CB Pay or AYA Mobile Banking?
CB Pay ships an update every 4 months, and AYA Mobile Banking every 6 weeks. Most recently, CB Pay was updated on November 2, 2026 and AYA Mobile Banking on November 5, 2026.

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