A cutting-edge digital hub for all of your banking needs


A SMART Account is your gateway to Yoma Bank’s SMART products and services. SMART allows you to manage your money anytime, anywhere and from any device. With SMART, banking has never been easier. 

Features and Benefits

24/7 Online Banking
The all-inclusive Yoma Bank Digital Banking app lets you bank anytime, anywhere

MPU Debit Card
Receive a free MPU Debit Card and shop at any MPU point-of-sale location or online retailer

Free non-Yoma Bank ATM Withdrawals
Enjoy five free transactions per month at any non-Yoma Bank MPU-sponsored ATM machine, anywhere in Myanmar

Free Transfers
Enjoy zero fees on all SMART to SMART money transfers  

Wave Money Linkage
Link your SMART Account to your Wave Pay account and get access to all Wave Pay features

Mobile Top-Up Bonus
Enjoy a 4% discount when you top up with MPT, Ooredoo, Tenenor or Mytel using your SMART Account


  • Must be at least 18 years of age
  • Must provide an original NRC ID Card or passport for verification