WavePay vs uabpay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
WavePay
This app facilitates digital payments for everyday needs, including sending money, scanning QR codes for purchases, topping up mobile credit, and paying bills. It offers secure transactions with PIN protection and a unique device login feature. Users can also link bank accounts and MPU cards for easy fund transfers.
- Send money via mobile number
- Scan QR codes for instant payments
- Mobile top-ups and pack purchases
- Pay bills (internet, solar, insurance, loans)
- Link bank accounts and MPU cards
- Secure transactions with PIN and secret code
- Cash-in/Cash-out via agent shops
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Fast, Easy and Safe Online payments - Myanmar's Leading Mobile Financial Service WavePay, Mobile wallet application by WaveMoney enabling the inclusion of all users into the digital payment ecosystem, riding on the largest network of ~60,000 agents and 200,000+ merchants. WavePay is one stop solution for all your payment needs: • Send money to your family and friends using mobile number, including to those who are not on WavePay APP • Scan QR code and make instant payments at grocery stores, medical shops, electronic shops, restaurants etc. • Top up or buy packs for your or your family and friends mobile. • Pay your bills easily – Internet, Solar, Insurance, MFI loans etc. • Link your bank or MPU cards and easily transfer funds in and out of the wallet easily. Safe and Secure payments • Protected with “One Wallet, One Device” (1W1D) feature that enables access of your account from only 1 device at any point of time, keeping your WavePay account safe & secure. • Set your PIN, which is a 4-digit number, It’s mandatory to set the PIN while creating your account and authorize all transactions using your PIN • Additional security of a 6-digit secret code for money transfer to people who are not on WavePay app. Money can be easily collected at the nearest WaveMoney agent shop by providing a transaction ID and 6-digit secret code Easy Cash-in and Cash-out services • Easily Cash-in or Cash-out at your near Wave agent shops; more than 60,000 agents across the country are at your service all the time • Link your bank accounts from our partner banks or any e-commerce enabled MPU cards for easily moving funds in and out of the wallet Easy Airtime top up and bill payments. • Top up or buy packs for your mobile and always stay connected with your loved ones. You can top up to any operator mobile number – ATOM, MPT, Ooredoo • Make your internet bill payments across 30+ providers including ATOM, Ooredoo, Myanmar Net, 5BB, Fortune, Mahar Net, WeLink, Myanmar APN etc. • Make your loan repayments across 40+ partners including – Aeon, Rent2Own, Early Dawn, Yoma Bank, Mahar Bawga,, Advans, Alliance, VisionFund etc. • Make your Insurance payments of Prudential, Manulife, Capital Taiyo, Young Insurance, KBZ MS General Insurance etc • Make your Solar bill payments of OV Solar, Solar Home, Sun King Solar • Make your healthcare and telehealth service payments of PunHlaing Hospitals, MyanCare, myDoctor, Health4U, T-Fitness etc. Fast and reliable payments at Online stores • Make your online shopping payments at Shop.com.mm, OwayFresh and many other trusted partners instantly using WavePay and avoid worries about cash on delivery. • Order your favorite food or groceries on FoodPanda and pay using the WavePay app Book Hotels & Tickets for Bus, Flights • Domestic or international; One-way or Round trip – Book your flight tickets on FlyMya, AirKBZ etc and make payments with your WavePay wallet. • Book online bus tickets - MMBus Ticket, Oway, AungSan, AungMinGalar, Mandalay Gate. Check seat availability & get real-time updates. • Book hotels before you travel – Memories Hotel, Memories Travel, Balloons Over Myanmar, etc. • Make hassle-free payments for your groceries, medicines, electronics and clothing purchases by scanning Wave QR at 200,000+ merchants. Contact Us • WaveMoney Call Centre is available every day 8 AM-10 PM to provide any assistance. Call 900 from ATOM Numbers (free) or 097900090000 for other operator numbers To become a business partner, agent? E-mail us at business@wavemoney.com.mm or call our call-center
uabpay
This digital payment app simplifies everyday transactions for bank customers. Easily transfer funds, pay bills, shop online, and manage cards using just your smartphone.
- Fund Transfer
- Cash-in/Cash-out
- Bills Payment
- Scan and Pay
- Mobile Top-up
- Online Shopping
- Card Services
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This application is brought to you by uab Bank for the purpose of making everyday lives of customers easier and more comfortable by the usage of digital payment ecosystem. With the advanced technology, uab Bank offers magnificent experience of using digital payment platform, a customer can easily pay/transfer/receive or shop anything just by having a smart phone. uabpay is available on any of the mobile devices and here are some of the features that a customer can use on this digital platform - Fund Transfer - Cash-in/Cash-out - Bills Payment - Scan and Pay - Mobile Top-up - Online Shopping - Card related services - Payment History
Screenshots
Verdict
The clearest difference is ads: uabpay at none against WavePay's shown. uabpay also leads on review sentiment (44% vs 17%) and monetization model (free vs free with in-app purchases). WavePay's advantage is ratings volume (1.8K vs 161) and iOS requirement (13.0 vs 15.0). On price, rating, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 3.8 for WavePay against 3.7 for uabpay. That said, the two scores are not equally well evidenced: WavePay has 1.8K ratings behind it against 161, so its average is the more settled of the two. Written reviews are what separate them: 17% of WavePay's written reviews are positive against 44% of uabpay's.
WavePay ships an update every 2 months, uabpay fortnightly. The most recent releases landed on September 23, 2026 and September 22, 2026 respectively.
| Parameter | WavePay | uabpay |
|---|---|---|
| Price | Free | Free |
| Rating | 3.8 (1.8K ratings) — better | 3.7 (161 ratings) |
| Positive reviews | 17.2% of reviews | 44.4% of reviews — better |
| Number of ratings | 1.8K — better | 161 |
| Update frequency | Every 2 months | Fortnightly — better |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 135 MB | 127 MB |
| Age rating | 4+ | 4+ |
| Developer | Wave Money | UAB Bank Limited |
Customer experience
WavePay
uabpay
Bugs and requests
WavePay
Reported bugs
3 issues- App not supported on jailbroken/rooted devices
- Incompatibility issues with newer iOS versions
- Myanmar keyboard not working after updates
Requested features
4 requests- Allow NRC number for device authorization
- Integrate with popular banks and services
- Implement biometric login options
- Improve transaction history and balance tracking
uabpay
Not enough reviews yet to summarise bugs or requests.
In-app purchases
WavePay
No in-app purchases
uabpay
No in-app purchases








