A home for all of your banking needs


SMART is an all-inclusive banking platform that allows you to access a range of personal and business banking services anytime, anywhere. Manage your money, apply for loans, and transfer funds using a single account. Now each SMART account features a free MPU debit card and can link their SMART with their Wave Money Account to have access to over 40,000 Wave shops throughout the country.

Features and Benefits

24/7 Online Banking
The all-inclusive SMART mobile app lets you bank anytime, anywhere

Apply for SMART Online
Remotely sign up at applysmart.yomabank.com

MPU Debit Card
Receive a free MPU debit card and enjoy free cash withdrawals at Yoma Bank ATMs and up to one million kyats withdrawals per month from other ATMs with the MPU logo

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

Apply for Loans Online
Apply for a range of personal and business loans through your SMART account

Payroll Made Easy
Schedule automatic, cashless payments to your employees

Wave Money Account
Each SMART account can be linked to your Wave Money account, granting access to all Wave Money features and our Cash In, Cash Out service at more than 40,000 Wave Money shops throughout the country

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