# WavePay vs AYA Mobile Banking

The clearest difference is review sentiment: AYA Mobile Banking at 78% against WavePay's 18%. AYA Mobile Banking also leads on rating (4.5 vs 3.8) and ads (none vs shown). WavePay's advantage is ratings volume (1.9K vs 147) and monetization model (ad-supported vs free with in-app purchases). On price, update cadence, in-app purchases and device support there is nothing between them.

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

AYA Mobile Banking holds the better App Store score, 4.5 against 3.8. That said, the two scores are not equally well evidenced: WavePay has 1.9K ratings behind it against 147, so its average is the more settled of the two. Written reviews point the same way: 18% of WavePay's written reviews are positive against 78% of AYA Mobile Banking's.

WavePay ships an update every 3 months, AYA Mobile Banking every 6 weeks. The most recent releases landed on November 6, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | WavePay | AYA Mobile Banking |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.8 (1.9K ratings)](https://appshunter.io/ios/app/wavepay/id1439175549/reviews) | **[4.5 (147 ratings)](https://appshunter.io/ios/app/aya-mobile-banking/id6741063515/reviews)** |
| Number of ratings | **1.9K** | 147 |
| Positive reviews | 17.8% of reviews | **78.3% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 3 months | **Every 6 weeks** |
| Monetization | **Ad-supported** | Free with in-app purchases |
| Size | 171 MB | 85 MB |
| Requires iOS | **13.0** | 15.1 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Wave Money](https://appshunter.io/developer/1234535228) | [AYA Bank](https://appshunter.io/developer/1356605410) |

## What reviewers say

### WavePay

[App page](https://appshunter.io/ios/app/wavepay/id1439175549)

This mobile financial service facilitates secure and convenient digital payments. Users can send money, pay bills, top up mobile credit, and make purchases using QR codes. It offers cash-in/cash-out services through a vast agent network and links to bank accounts or cards.

**Highlights:** Send money via mobile number, Scan QR code for instant payments, Mobile top-ups and pack purchases, Bill payments (internet, insurance, loans), Link bank accounts and MPU cards, Cash-in/cash-out at agent shops, Secure transactions with PIN and secret code

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and easy to use
- 🔒 Secure payment system
- 👍 Colorful and user-friendly UI
- 💡 Device authorization feature

**What reviewers complain about**

- 🐛 App crashes and freezes
- 🔒 Difficult account recovery process
- 👎 Poor customer service
- 💰 Deduction of remaining balance

**Reported bugs**

- App not supported on jailbroken/rooted devices
- Incompatibility issues with newer iOS versions
- Myanmar keyboard not working after updates

**Requested features**

- Allow NRC number for device authorization
- Integrate with popular banks and services
- Implement biometric login options
- Improve transaction history and balance tracking


### AYA Mobile Banking

[App page](https://appshunter.io/ios/app/aya-mobile-banking/id6741063515)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

- 🐛 Account login issues

**Reported bugs**

- Account not found error

**Requested features**

- More digital banking features


## Frequently asked questions

### Is WavePay free?

WavePay 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, WavePay or AYA Mobile Banking?

AYA Mobile Banking is rated higher. WavePay averages 3.8 out of 5 from 1.9K ratings, while AYA Mobile Banking averages 4.5 from 147 ratings.

### Do WavePay or AYA Mobile Banking have ads?

WavePay shows ads; AYA Mobile Banking does not.

### Which is updated more often, WavePay or AYA Mobile Banking?

WavePay ships an update every 3 months, and AYA Mobile Banking every 6 weeks. Most recently, WavePay was updated on November 6, 2026 and AYA Mobile Banking on November 5, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*