Always Together for Your Financial Journey

Built on trust and a shared commitment, Yoma Bank and Wave Wallet work hand in hand to shape a safer, more connected digital financial ecosystem in Myanmar. As Yoma Bank serves as the Partner Bank of Wave and Wave operates as the Partner Wallet of Yoma Bank, our combined strengths allow us to deliver reliable digital financial solutions. From encouraging responsible money management to driving financial security awareness, our lasting partnership is dedicated to empowering individuals and businesses every step of the way.

Benefits of Our Partnership

Full Financial Ecosystem
Full Financial Ecosystem

Seamlessly connect banking and digital wallet services

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Full Financial Ecosystem
Full Financial Ecosystem

Seamlessly connect banking and digital wallet services in one integrated financial network.

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Free & Instant Transfers
Free & Instant Transfers

Enjoy fast, secure, and zero-cost transfers between

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Free & Instant Transfers
Free & Instant Transfers

Enjoy fast, secure, and zero-cost transfers between Yoma Bank accounts and Wave wallets.

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Nationwide Financial Access
Nationwide Financial Access

Access convenient money transfer and cash withdrawal services

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Nationwide Financial Access
Nationwide Financial Access

Access convenient money transfer and cash withdrawal services through Yoma Bank’s branches and ATMs, together with Wave’s extensive agent network across Myanmar.

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Everyday Convenience
Everyday Convenience

Move money, pay, and manage finances easily

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Everyday Convenience
Everyday Convenience

Move money, pay, and manage finances easily across both banking and wallet channels.

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Connected Financial Experience
Connected Financial Experience

Deliver a more connected, reliable, and inclusive financial journey

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Connected Financial Experience
Connected Financial Experience

Deliver a more connected, reliable, and inclusive financial journey for individuals, businesses, and communities.

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Account Linking

(Link Your Wave Account & Yoma Bank)

Seamlessly connect your digital world with your bank. Link your Wave Money account to your Yoma Bank Flexi Everyday Account to enjoy effortless transfers and unified financial management.

View User Guide

Cash-in

(Cash-in with Yoma Bank & MPU)

Move money, pay, and manage your finances with ease. Quickly top up your Wave Wallet directly from your Yoma Bank account or any MPU card, keeping your funds ready whenever you need them.

View User Guide

Cash-out

(Cash-out to Yoma Bank)

Need physical cash? Enjoy the flexibility to access your funds through Yoma Bank’s extensive network of branches and ATMs, ensuring you are always in control of your money.

View User Guide

MMQR Merchant Services with Yoma Bank x Wave Money

Yoma Bank and Wave Money are working together to provide MMQR Merchant services for businesses. With a single QR code, businesses can easily accept payments from multiple digital wallets and mobile banking applications, making payment collection simpler and more convenient.

MMQR simplifies and speeds up payment collection processes while providing customers with a more convenient cashless payment experience. Empower and grow your business by signing up for MMQR Merchant services today.

How to Apply as an MMQR Merchant

  • Partner Apply Form | Wave Money  
  • Wave App: Easily apply to become an MMQR Merchant via Wave Zay Sine inside the Wave App.
  • Wave Merchant Call Center: Contact us at 9662 (Ext – 4) for ATOM users, or 097 9662 9662 for non-ATOM users.

Frequently Asked Questions

Wave Money is a leading mobile financial services provider in Myanmar and is a joint venture. Yoma Bank is a shareholder and key partner, which allows for deep integration between our digital wallet services and traditional banking offerings.

Yes, you can. In the Wave app, go to Cash In/Out, tap Add More Banks, and select Yoma Bank. Then, choose Flexi Everyday Account, enter your account number and Wave PIN, and confirm with the 6-digit OTP sent to your phone to easily link your accounts.

To ensure the highest level of security, only one verified Yoma Bank Flexi Everyday account can be linked to one verified Wave account at a time.

Once linked, go to Cash In/Out in the Wave app, select Cash In/Cash Out, tap Bank Account, choose Yoma Bank, enter the amount, and confirm with your Wave PIN. 

There is no fee for transferring money from your Yoma Bank account to your Wave account (cash-in). For cash-out transactions from your Wave account to your linked Yoma Bank account, a 0.25% transaction fee applies only to amounts exceeding MMK 1,000,000.

Your Wave account must be verified. Additionally, the National Registration Card (NRC) used for your Wave account verification must match the NRC registered with your Yoma Bank Flexi Everyday account.

Yes! Yoma Bank account holders can cash out funds at their nearest Wave Shop nationwide by initiating the transaction through the Yoma Bank Next Mobile Application or through their linked Wave account.

You get the best of both worlds: the extensive reach of Wave Money’s agent network and the formal banking infrastructure of Yoma Bank. This partnership provides you with more choices, greater convenience, and a trusted, secure way to manage your money, whether you are in a major city or a remote village.

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900 (Atom Number)
097 9000 9000 (Non-Atom Number)
099 7782 7977 (For All Operator)