# AYA Bank (Myanmar)

> Source: https://docs.barcoder.ai/docs/wallets/aya-bank
> research date 2026-05-30 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [AYA Bank — official](https://www.ayabank.com/)

## Key details

- **Parent:** ship

## Overview

**AYA Bank (Myanmar)** is **one of Myanmar's largest commercial banks** + **U Zaw Zaw founder + Max Myanmar Holding Co Ltd ownership** + **AYA Bank mobile banking + mBanking + MPU Visa cards** <sup>[1][1], [Myanmar report](https://docs.barcoder.ai/docs/payments/MM)</sup>. **2025 baseline**: AYA Bank one of Myanmar's largest commercial banks + U Zaw Zaw founder + Max Myanmar Holding Co Ltd ownership.

## History

**Jul 2 2010 — AYA Bank Ayeyarwady Bank founded by U Zaw Zaw + Max Myanmar Holding Co Ltd** distinctive Myanmar private banking heritage (post-Myanmar banking sector liberalization).

**2014 — AYA Bank mobile banking app launch** distinctive Myanmar mobile banking strategy.

**2021 — Myanmar military coup banking sector + AYA Bank operational continuity post-coup**.

## Ownership & operator

**Operating entity**: **Ayeyarwady Bank (AYA Bank)** (one of Myanmar's largest commercial banks; U Zaw Zaw founder + Max Myanmar Holding Co Ltd ownership).

**Major shareholders**: **Max Myanmar Holding Co Ltd (U Zaw Zaw Myanmar conglomerate; cement + construction + automotive + hospitality + banking) majority controlling + Myanmar retail + institutional investors**.

**Regulators**: **CBM (Central Bank of Myanmar)**.

## Technical integration

AYA mBanking mobile banking app (iOS + Android) + ayabank.com online + AYA Bank branch network across Myanmar + AYA Bank Visa + MPU cards; MPU (Myanmar Payment Union) + MMQR (Myanmar national QR code standard).

## Implementations & partners

**Major Myanmar banking + payments competitors**: [KBZPay](https://docs.barcoder.ai/docs/wallets/kbzpay) (KBZ Pay Myanmar Kanbawza Bank mobile money + Yoma Bank competitor; one of Myanmar's largest mobile money platforms) + [Wave Money (WavePay)](https://docs.barcoder.ai/docs/wallets/wave-money) (Wave Money Myanmar Telenor + Yoma Bank JV mobile money; Myanmar's largest mobile money provider) + CB Bank (CB Bank Cooperative Bank Myanmar one of Myanmar's largest commercial banks) + Yoma Bank (Yoma Bank Myanmar commercial bank + Wave Money JV parent) + [KBZPay](https://docs.barcoder.ai/docs/wallets/kbzpay) (Kanbawza Bank KBZ Myanmar's largest commercial bank by assets + KBZ Pay parent) + AYA Pay (AYA Pay Myanmar mobile wallet by AYA Bank).

**Regulator**: CBM.

## Status

**Active, one of Myanmar's largest commercial banks + U Zaw Zaw founder + Max Myanmar Holding Co Ltd ownership** <sup>[1][1], [2][2]</sup>:
- **Ayeyarwady Bank (AYA Bank)** since Jul 2 2010 AYA Bank Ayeyarwady Bank founded by U Zaw Zaw + Max Myanmar Holding Co Ltd + 2014 AYA Bank mobile banking app launch.
- **CBM regulated**.

## Sources

[1]: https://www.ayabank.com/ "AYA Bank — official"
[2]: https://en.wikipedia.org/wiki/Ayeyarwady_Bank "Ayeyarwady Bank — Wikipedia"
[mm-cro]: https://docs.barcoder.ai/docs/payments/MM

- [1] [AYA Bank — official][1]
- [2] [Ayeyarwady Bank — Wikipedia][2]
- <sup>[Myanmar report](https://docs.barcoder.ai/docs/payments/MM)</sup> In-corpus: `reports/countries/MM-myanmar.md`

## Source

Biography extracted from [aya-bank.md](https://docs.barcoder.ai/source/wallets/aya-bank). See `matrix.md` for standards-support matrix if present.