Comparison

AYA PAY Wallet vs GTB Agent

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

Head to head
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

About

GTB Agent

Manage your finances securely and conveniently on the go. This app allows for easy money transfers, instant cash deposits from cards, and efficient bill payments. Enjoy a user-friendly interface and 24/7 customer support for all your banking needs.

Highlights
  • Agent-to-Wallet Transfer
  • Cash In from MPU Card
  • Transfer with QR Code
  • Bill Payment
  • Secure Transactions
  • User-Friendly Interface
Features
Read full description

Introducing GTB Agent, the cutting-edge financial app brought to you by Global Treasure Bank (Public Company Limited). Designed with your convenience in mind, GTB Agent offers a seamless and secure way to manage your finances on the go. Key Features: Agent-to-Wallet Transfer: Easily send and receive money between GTB Agent, making splitting bills or sharing expenses with friends and family a breeze. Cash In from MPU Card: Instantly load funds to your GTB Agent from your MPU card, ensuring you always have access to your money when you need it. Transfer with QR: Simplify transactions with QR code transfers. Scan and pay or receive payments effortlessly, making transactions faster and more efficient. Bill Payment: Never miss a payment again! With GTB Agent, you can easily settle bills for utilities, subscriptions, and more, all within the app. Why Choose GTB Agent? Secure & Reliable: Your financial security is our top priority. GTB Agent employs advanced encryption and authentication measures to safeguard your transactions and personal information. User-Friendly Interface: With an intuitive design, GTB Agent is easy to navigate, ensuring a hassle-free user experience for both novice and experienced users. 24/7 Customer Support: Our dedicated support team is available around the clock to assist you with any queries or issues you may encounter. Take control of your finances like never before with GTB Agent. Download the app today and experience the future of banking at your fingertips!

Screenshots

AYA PAY Wallet4 screens
GTB Agent3 screens

Verdict

The call

AYA PAY Wallet and GTB Agent both sit at 4.3 stars, but that hides the real split: 52% of AYA PAY Wallet's written reviews are positive against 0% of GTB Agent's. AYA PAY Wallet also leads on ratings volume (517 vs 3) and update cadence (monthly vs every 3 months). On price, rating, 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

On the App Store both sit at effectively the same score — 4.3 for AYA PAY Wallet against 4.3 for GTB Agent. That said, the two scores are not equally well evidenced: AYA PAY Wallet has 517 ratings behind it against 3, so its average is the more settled of the two. Written reviews are what separate them: 52% of AYA PAY Wallet's written reviews are positive against 0% of GTB Agent's.

UpkeepUpdate frequency

AYA PAY Wallet ships an update monthly, GTB Agent every 3 months. The most recent releases landed on November 5, 2026 and November 4, 2026 respectively.

Scorecard3 real differences · 7 level
AYA PAY Wallet versus GTB Agent: the parameters behind the verdict, then further details
ParameterAYA PAY WalletGTB Agent
PriceFreeFree
Rating4.3 (517 ratings)4.3 (3 ratings) — better
Positive reviews51.8% of reviews — better0.0% of reviews
Number of ratings517 — better3
Update frequencyMonthly — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.115.1
Further details — not scored
Size124 MB29 MB
Age rating4+17+
DeveloperAYA BankGLOBAL TREASURE BANK PUBLIC COMPANY LIMITED

Customer experience

AYA PAY Wallet

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

GTB Agent

All ratings3 ratings
Positive66.7%
Neutral33.3%
Negative0.0%
Written reviews1 reviews
Positive0.0%
Neutral100.0%
Negative0.0%

Bugs and requests

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

GTB Agent

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

AYA PAY Wallet

No in-app purchases

None

GTB Agent

No in-app purchases

Questions

Is AYA PAY Wallet free?
AYA PAY Wallet is free to download, with no in-app purchases.
Is GTB Agent free?
GTB Agent is free to download, with no in-app purchases.
Which has better reviews, AYA PAY Wallet or GTB Agent?
GTB Agent is rated higher. AYA PAY Wallet averages 4.3 out of 5 from 517 ratings, while GTB Agent averages 4.3 from 3 ratings.
Do AYA PAY Wallet or GTB Agent have ads?
Neither AYA PAY Wallet nor GTB Agent shows ads.
Which is updated more often, AYA PAY Wallet or GTB Agent?
AYA PAY Wallet ships an update monthly, and GTB Agent every 3 months. Most recently, AYA PAY Wallet was updated on November 5, 2026 and GTB Agent on November 4, 2026.

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