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A Wave Shop offers comprehensive financial services, enabling customers to easily initiate money transfers and withdrawals at any time through our network of over 61,000 Wave Shops nationwide. Services require only a valid mobile phone number and a National Registration Card (NRC). In addition to transfers and withdrawals, Wave Shops also facilitate loan repayments and various bill payments.

When you transfer money through a Wave Shop, the recipient immediately receives an SMS with the transaction number and can instantly withdraw the money using the 6-digit secret code provided by the sender. The transferred money must be withdrawn within 21 days.

The maximum amount that can be transferred in a single transaction at a Wave Shop is 1,000,000 Kyats.

Every Wave Shop displays a Wave signboard.

For transactions that have exceeded 21 days, you can contact the 24-hour Wave Money Call Center. Atom users can dial 900, and users of other operators can dial 09790009000 to get the necessary assistance for withdrawing the money.

Yes, you can make various bill payments, including electricity bills, insurance bills, internet bills, and loan repayments, through a Wave Shop.

When transferring money through a Wave Shop, whether to someone without a Wave Account or someone with a Wave Account, the sender must pay a transfer fee based on the amount transferred. The recipient does not need to pay a withdrawal fee when withdrawing the money using the transaction number, NRC number, and secret code. However, if you are cash-out from a Wave Account, the cash-out fee will be deducted from your account. To view the transfer fees, click here: https://wavemoney.com.mm/mm/limit-fees-mm

If the recipient does not have a Wave Account, they can withdraw the money at the nearest Wave Shop using their NRC, transaction number, and secret code. If the recipient has a Wave Account, the transferred money will be deposited directly into their Wave Account, and they can cash-out at any nearby Wave Shop simply by stating their phone number.

Yes, you can transfer money to anyone within Myanmar via the nearest Wave Shop, provided you know the recipient’s phone number and NRC. Wave Money will automatically send a secret code to the sender, which must then be provided to the recipient for withdrawal at any Wave Shop. It is critical that the secret code is never disclosed to anyone other than the intended recipient.
If the recipient holds a Wave Account, the sender only needs to provide the recipient’s phone number and the transfer amount at the Wave Shop. The funds will be credited directly to the recipient’s account, and they can cash-out the funds at any nearby Wave Shop by providing their phone number.

The Wave Shop network comprises over 61,000 locations nationwide. Services are available at all shops displaying the Wave signboard. A complete list of Wave Shop locations is also available on the Wave Money website.

You can contact the Wave Money Call Center. Atom users can call 900, and users of other operators can call 09790009000. Calls from Atom numbers are free of charge. Alternatively, you may contact the Wave Money official Facebook page Messenger, which is verified with a bluemark.

If the SMS containing the 6-digit secret code is deleted, the sender may request a new 6-digit secret code at the original Wave Shop where the transfer was made, or seek assistance from the 24-hour Wave Money Call Center. Once the new secret code is obtained, it must be relayed directly to the recipient. To contact the Wave Money Call Center, Atom users can call 900, and other operators can call 09790009000. Assistance can also be requested via the verified (bluemark) Wave Money official Facebook page Messenger.

When transferring money through a Wave Shop, you must securely keep the 6-digit Secret Code and the Transaction ID and must not disclose them to anyone other than the intended recipient.

The Secret Code is a 6-digit number automatically sent via SMS by Wave Money to the sender whenever a transfer is made (from a Wave Shop or a Wave Account) to an individual who does not have a Wave Account. The recipient requires this code to successfully withdraw the funds.

When transferring funds through a Wave Shop, you are only required to provide the recipient’s phone number, name, NRC number, and the desired transfer amount.

When the Wave Money call center contacts a customer, they will only call from the number 900 (for Atom users) or 09790009000 (for other operators). Please also note that the only official and authentic social media contact channel is the Wave Money official Facebook Messenger, which is marked with a blue checkmark. The Wave Money call center will never request your personal information, the 6-digit Secret Code, or the Transaction ID. We strongly advise against disclosing these details to any individual who requests them.

To download the Wave App on Android phones, you can use Google Play Store via: https://bit.ly/wavepayandroid or https://www.wavemoney.com.mm/wavepay.php, or you can download it from Huawei AppGallery: https://bit.ly/3dZ18yA.
For iOS phones, you can download it from the Apple App Store: https://apple.co/2AwTRHM.
Alternatively, you can simply search “WavePay” on Google Play Store, Huawei AppGallery, or the Apple App Store and download it from there.
Click here to see the step-by-step guide on how to download the Wave App and open an account.

Wave account is an account that you need to register to use Wave App, a mobile wallet introduced by Wave Money. If you have a Wave account, you can transfer money, make payments, bill payment, mobile top-ups, loan repayments and other financial services.

To use the Wave App, you can open your account with any SIM card you prefer. The SIM card you use should be registered under your NRC details.
To open a Wave Account, first download the Wave App onto your phone and open it. You can follow the required steps easily with this user-friendly guide:
https://wavemoney.com.mm/mm/userguide-type/register-wave-account

To delete your Wave Account, you need to contact the Wave Money Call Center for assistance. Before the account can be deleted, your mobile wallet balance must be zero. The process will take one working day to complete.

To use a Wave Account, you must be a Verified User approved by Wave. To become verified, you only need to complete all the account registration steps accurately.

To top up your Wave Account, you can deposit cash through nearby Wave Agent shops, your Yoma Bank account, or CB/CB Special accounts. You can also deposit using an MPU Card.

You can transfer funds from Yoma Bank and CB Bank directly to your Wave Account, and the money will be credited instantly.

The benefits of using the Wave App include:

Being able to open an account yourself.
Using it anytime.
Free transfers between Wave Accounts.
Reviewing your transaction history by tapping “History” on the main page.
Requesting statements of your completed transactions from the last 3 months.
Making quick payments by scanning QR codes.
Using the Wave App securely and with confidence.
Using Wave for transferring money, receiving money, paying bills, repaying loans, topping up phone – credit, buying travel tickets, and other services.
Easily depositing or withdrawing money at nearby Wave Agent shops.
Topping up your account not only at Wave Agents but also via Yoma Bank, CB Bank, or an MPU Card.
For these reasons, we recommend using the Wave App.

To transfer money to another Wave Account, you need to know the recipient’s phone number registered with their Wave Account.
Follow these steps:

First, open the Wave App and select “Transfer.”
Select or enter the recipient’s phone number. Verify the number and the recipient’s name.
Enter the transfer amount and tap “Proceed.” Confirm the amount is correct.
The transaction summary page will appear. Tap “Proceed.”
Enter your 4-digit Wave Account PIN and tap “Send Now.”
The money transfer is complete.
You can review completed transactions in “History” on the main page.
For your account security, never share your OTP or Wave Account PIN with anyone.

Wave App users can transfer money to anyone, whether they have a Wave Account or not. A recipient without a Wave Account needs a National Registration Card (NRC) and a registered Myanmar phone number to collect the money. You can view the fees for transfers from a Wave Account at the following link: https://wavemoney.com.mm/mm/limit-fees-mm

To send money from your Wave Account to someone without an account, you will need the recipient’s phone number, name, and National Registration Card (NRC) number. After the transfer, the recipient can withdraw the money for free from any nearby Wave Agent shop.
Follow these steps:

First, open the Wave App and select “Transfer.”
Select or enter the recipient’s phone number. Verify the number is correct.
Enter the transfer amount, the recipient’s full name, NRC number, and a 6-digit secret code. Tap “Proceed.” Verify all the information you entered.
The transaction summary page will appear. Tap “Proceed.”
Enter your 4-digit Wave Account PIN and tap “Send Now.”
The money transfer is complete. Only share the 6-digit secret code you created with the intended recipient. You can review completed transactions in “History” on the main page.
When sending money to non-account holders, it is crucial that the recipient’s phone number is correct and that you only share the 6-digit secret code with the recipient.

To check your transfer history, go to the Home page and select ‘History’. You can view all your transaction history and filter/search by category, date, or amount.

If you forget your PIN, you can reset it yourself.

If your Wave Account is inactive for 180 days, it will be temporarily suspended for your security. If you wish to reactivate your temporarily suspended account, you can contact the Wave Money Call Center. You will not be able to perform transactions while the account is suspended. Before the account is suspended, you will also receive an SMS notification from Wave Money as a warning.

To top up phone using Wave, you need a Wave Account and a Wi-Fi or mobile data connection.

First, open the Wave App and tap “Top Up” on the home page.
Correctly enter the phone number you want to top up.
Select the desired top-up amount.
Tap “Proceed.”
Enter your 4-digit Wave Account PIN and tap “Buy Now.”
Your phone credit top-up is complete.
You can review completed transactions in “History” on the main page.

To transfer money from a Yoma Bank Flexi Everyday Account to your Wave Account, your Wave Account must be linked to your Yoma Bank Flexi Everyday Account. If your accounts are already linked:

First, open the Wave App. Tap “Cash In/Out” on the home screen.
Tap “Cash In”
Tap “Bank Account”.
Tap “Yoma Bank”.
Enter the amount you want to transfer and tap “Continue”.
When the confirmation page appears, tap “Continue”.
Enter your 4-digit Wave account PIN, and the transfer process is complete.
You can review the completed transaction on the home screen under “History”. If your Wave account is not yet linked to a Yoma Bank Flexi Everyday account, you can also transfer money to your Wave account via the Yoma Bank Next application.

To transfer money from your Wave Account to a Yoma Bank Flexi Everyday Account, your Wave Account must be linked to your Yoma Bank SMART account. If your accounts are already linked:

First, open the Wave App. Tap “Cash In/Out” on the home screen.
Tap “Cash Out”
Tap “Bank Account”.
Tap “Yoma Bank”.
Enter the amount you want to transfer and tap “Continue”.
When the confirmation page appears, tap “Continue”.
Enter your 4-digit Wave account PIN, and the transfer process is complete.
You can review the completed transaction on the home screen under “History”.
Since the money has been transferred from your Wave account to your Yoma Bank Flexi Everyday account, you can now withdraw the cash using your Yoma Bank Flexi Everyday card at nearby Yoma Bank ATMs and other bank ATMs. If your Wave account is not linked to your Yoma Bank Flexi Everyday account, you will not be able to use this service.

To buy travel tickets through the Wave App, Wave is connected with travel agents like MMBusTicket, Oway Travel, Flymya, and Elite Express. You can easily buy bus tickets, flight tickets, and make hotel bookings by going to “Tickets” on the Wave App home screen.

To buy a bus ticket with the Wave App, you need a Wave account and an active Wi-Fi or mobile data connection.

First, open the Wave App. Tap “Tickets” on the home screen.
Choose your preferred ticket service from MMBusTicket, Elite Express, Flymya, or Oway.
Select your desired travel destination and dates.
Fill in your name, contact phone number, and all required information completely, then tap “Proceed to WavePay”.
Carefully check and confirm the trip details.
Tap “Continue” to purchase via the Wave App. Enter your 4-digit Wave PIN, and the ticket purchase will be successful. Your ticket will be sent to you by the relevant travel agent via email or Viber.

To make a hotel booking with the Wave App, you need a Wave account and an active Wi-Fi or mobile data connection.

First, open the Wave App. Tap “Tickets” on the home screen.
To make a hotel booking, select Oway and tap “Hotels” on the Oway home screen.
Select the city, dates, and nationality for your stay, and tap “Search”.
Once you find the hotel you like, tap “Select”.
Fill in the required hotel details and tap “Confirm”.
When the confirmation page appears, verify that the information you filled in is correct and tap “Continue”.
Select the Checkout Type and tap “Continue”.
Correctly fill in the personal information required for the booking and tap “Continue”.
Select Mobile Payment as the Payment Type and tap “Continue To Pay”.
Enter the phone number linked to your Wave account and tap “Submit”.
When the confirmation page appears, tap “Continue”.
Enter your 4-digit Wave account PIN and tap “Pay Now”, and your hotel booking and payment will be successful. Your booking will be sent to you by the relevant travel agent via email or Viber.

To pay a bill using the Wave App, you need a Wave account and an active Wi-Fi or mobile data connection.

First, open the Wave App. Tap “Others” on the home screen.
Search for the service you wish to pay the bill for.
Then, select the service you want to pay for and correctly fill in the required information.
Tap “Continue” to proceed with the bill payment.
Enter your 4-digit Wave account PIN and tap “Pay Now”.
Your bill payment is successful. You can review the completed transaction on the home screen under “History”.

To repay a loan using the Wave App, you need a Wave account and an active Wi-Fi or mobile data connection.

First, open the Wave App. Tap “Loans” on the home screen.
Tap the loan service you wish to pay.
Fill in the required information and tap “Continue”.
When the confirmation page appears, tap “Continue”.
Enter your 4-digit Wave account PIN and tap “Pay Now”.
Your loan repayment process is successful. You can review the completed transaction on the home screen under “History”.

Wave App is a mobile financial service application that can be used by any mobile phone user. You can use money transfer services at any time via Wave App on your mobile phone. Users no longer have to rely on limited banking hours; they only need a connection to register for this service and can use it anytime, anywhere.

Wave App can be used with any operator number.

Transfers between Wave accounts are free. However, a transfer fee applies when sending money from a Wave account to a non-Wave user. When cash out money from a Wave account, a cash out fee will be deducted from the account. You can calculate the applicable transfer fee using the “Limits & Fees” section available in the Wave App. No cash in fee is required when topping up your account at Wave agent shops.

Only one Wave account can be opened per phone number.

Currently, there is no international money transfer service available. However, you can directly receive remittances into your Wave account from 2C2P WAVE App, DeeMoney, and MoneyGram from over 200 countries.

The MPU card top-up feature can be used once your account is verified and you are a Verified User.

You can transfer money to anyone in Myanmar using Wave App. If the recipient has a Wave account, you only need their phone number to transfer money, and the amount will be deposited directly into their account. If the recipient does not have a Wave account, you can still send money to anyone in Myanmar via Wave App by knowing the recipient’s phone number, name, and ID card number. After transferring, send the secret code to the recipient so they can withdraw the money at the nearest Wave agent shop. Do not give the secret code to anyone except the recipient.

If the recipient has a Wave account, the transferred money will be deposited directly into their Wave account, and they can withdraw the money at the nearest Wave agent shop simply by providing their phone number. If the recipient does not have a Wave account, they can withdraw the money at the nearest Wave agent shop using the transaction ID and secret code.

Wave App can be used on both Android and iOS devices.

To top up with an MPU card, the MPU card must be registered and enabled for e-commerce transactions. The e-commerce registration can be done at the card issuing bank.

The minimum limit for one MPU card top-up transaction is 10,000 MMK, and the maximum amount that the Wave Wallet can hold is 1,000,000 MMK (10 Lakhs). However, limits may vary depending on the debit card limits set by the issuing bank.

To change the 4-digit PIN of your Wave account:
1) Open the Wave App and tap “Change PIN” under the Profile menu.
2) Enter your current 4-digit secret PIN.
3) Enter the new 4-digit PIN you wish to change to.
4) When the confirmation page for the new PIN appears, tap “Continue”.
5) The change of your Wave account’s new PIN is successful.
You will not be able to change your PIN if the new number has been used before.

If you are already logged into your Wave account but forgot the 4-digit PIN, you can reset a new PIN.
1) Open the Wave App and tap “Forgot PIN?” under the Profile menu.
2) Enter your Wave account phone number for verification and tap “Continue””.
3) Enter the NRC number used to verify your Wave account and tap “Continue””.
5) When you receive a message with a 4-digit temporary PIN, enter the temporary PIN to proceed.
6) Enter your new PIN.
7) When the confirmation page for the new PIN appears, enter again your new PIN and tap “Continue”.
8) The change of your new PIN is successful.
You will not be able to change your PIN if the new number has been used before.

If you forgot the 4-digit PIN of your Wave account:
1) Open the Wave App.
2) Select your language and tap “Continue”.
3) Enter the phone number with which your Wave account was opened and tap “Continue”.
4) When you receive the 6-digit OTP number via SMS, enter the OTP number.
5) When the “Enter PIN” page appears, tap “Forgot PIN”.
6) Enter the ID card number used to verify your Wave account and tap “Continue”.
7) When you receive a message with a 4-digit temporary PIN, enter the temporary PIN to proceed.
8) Enter your new PIN.
9) When the confirmation page for the new PIN appears, enter again your new PIN and tap “Continue”.
10) The change of your new PIN is successful.
You will not be able to change your PIN if the new number has been used before. Also, if you do not use your Wave account for more than 30 days, you will be automatically logged out of the account.

To link your Wave account with a Yoma Bank Flexi Everyday Account, your Wave account must be a Verified User, and you must have a Yoma Bank Flexi Everyday Account. The NRC number used to open the Wave account must match the NRC card number used to open the Yoma Bank Flexi Everyday Account. The phone SIM card used to open the Yoma Bank Flexi Everyday Account must also be active to receive the OTP number. You can view the step-by-step online linking process at the following link: https://wavemoney.com.mm/mm/userguide-type/bank-linkage-with-yoma

To unlink your Wave account from your Yoma Bank Flexi Everyday Account online without going to the bank:

First, open the Wave App. Then, tap “”Cash In/Out”.
Tap “Yoma Bank”.
Tap “Unlink Bank Account”.
If you are sure you want to unlink, tap “Confirm”.
After entering your 4-digit Wave account PIN, the unlinking is successful. You can relink your Wave account and Yoma Bank Flexi Everyday Account again within a short time if you wish to.

Wave users can check if money has been received by looking at the “History” inside the Wave App.

The transaction history can be checked under the “History” section on the main page of the Wave App.

You should check the transaction records in the History section on the main page. If the transaction was successful, the amount will have been deducted from your original balance. If the transaction was successful but the recipient has not received the money, you can seek assistance from customer service. Atom users can call 900, and users of other operators can call 09790009000. Calls made with an Atom number are free of charge. You can also contact the Wave Money official Facebook page Messenger (the one with the bluemark).

When the phone SIM card used to open the Wave account is lost or damaged, you can apply for a new SIM card with the same number from the respective mobile operator. Once you receive the new SIM card, you can log back into your existing Wave account. For security reasons, your Wave account will be temporarily suspended while you are applying for the new SIM card. Once you have the new SIM card, you can contact the 24-hour Wave Money Call Center to reactivate your account.

If you are unable to re-apply for a new SIM card with the same number as the lost or damaged one from the respective mobile operator, you will need to open a new Wave account to transfer the remaining balance from the old account. You can contact the Wave Money Call Center to close the old account and transfer the balance to the new one. Aton users can call 900, and users of other operators can call 09790009000. Calls made with a Atom number are free of charge. You can also contact the Wave Money official Facebook page Messenger (the one with the bluemark) for inquiries.”

There is a separate application for Wave Agents. To apply to become a Wave Agent, please contact the 24-hour Wave Money Call Center. Atom users can call 900, and users of other operators can call 09790009000. Calls made with Atom numbers are free of charge. You can also apply by contacting the Wave Money official Facebook page Messenger (the one with the bluemark).

You can find the nearest Wave agent shops by tapping “Wave Shops” on the main page of the Wave App. You can also view them on the Wave Money official website under “Nearest Shop”.

To help resolve any difficulties users may encounter, please contact the 24-hour Wave Money Call Center. Atom phone users can call 900, and users of other operators can call 09790009000. You can also contact the Wave Money official Facebook page Messenger (the one with the bluemark) for inquiries.

If you have both the old and new phones, please refer to the following link to switch your Wave account to the new phone:
https://wavemoney.com.mm/mm/userguide-type/device-authorization
If your old phone is lost or damaged and you need to log back into your Wave account with a new phone, please contact the Wave Money Call Center. Atom users can call 900, and users of other operators can call 09790009000. You can also contact the Wave Money official Facebook page Messenger (the one with the blue checkmark) for inquiries.

Please call our Call Center at 09790009000 or 900 (Atom user) between 8 AM and 8 PM and inform them to temporarily suspend your Wave account.

No, a Wave account uses a “One Wallet, One Device” system, so one Wave account cannot be used on two mobile phones simultaneously.

If your mobile phone is a Chinese devices that does not fully support Google Services, the “One Wallet, One Device” request may be delayed. You can also easily find the request yourself inside your Wave App. In your Wave account, click on “Inbox” or go to “Settings” and click on “Authorize this Phone”. Then, click on the “Mobile Phone Login Request” to authorize this phone.

If you accidentally rejected the request from another mobile phone to use the “One Wallet, One Device” system and wish to reverse that rejection, you can call our Call Center at 09790009000 or 900 (Atom user) from 8 AM to 8 PM for assistance.

After receiving the OTP and PIN, you should see a screen asking you to allow the current phone to be set as the authorized phone. Once you approve the request, the current phone will become the authorized (original) phone.

To reset your new PIN, please call our Call Center at 09790009000 or 900 (Atom user) between 8 AM and 8 PM.

If you receive a request on your phone to approve the “One Wallet, One Device” request from an unknown mobile phone, you must immediately reject it. This is the only way to ensure that only you can access your Wave account.

To access the Wave App for the first time, you must enter your 4-digit Wave account PIN. Once you are logged in, you do not need to re-enter the PIN for subsequent logins. However, for guaranteed account security, you must enter the 4-digit PIN for every payment you make.

You must not share the 6-digit OTP number received via SMS, the 4-digit temporary PIN, or your 4-digit Wave account PIN with anyone. Also, do not post screenshots related to your Wave account on social media.

When cash-in or cash out with a Wave account, you must provide the phone number with which your Wave account was opened.

The Wave Money Call Center will only contact you using the number 900 for Atom users and 09790009000 for other operator users. Please note that the official Wave Money Facebook Messenger (with the bluemark) is the only authentic channel when you contact us or when we contact you. Most importantly, the Wave Money Call Center will not ask for your personal information, 6-digit OTP number, or 4-digit PIN. We urge you not to share these details if anyone asks for them.

The OTP is a 6-digit temporary secret number automatically sent by Wave Money for existing Wave account users to enter when logging into their account on a new phone or when logging back in after being logged out of the Wave App. It is a secret number that only you should know, so it is important not to share it with anyone.

The Temporary PIN is a 4-digit number automatically sent by Wave Money for users to enter when they first log into a new Wave account or when they are changing their 4-digit Wave account PIN. It is a secret number that only you should know, so it is important not to share it with anyone.

The Secret Code is required when transferring money to someone who does not have a Wave account, either through a Wave Agent shop or directly from a Wave account. If the money is transferred through a Wave Agent shop, the sender will automatically receive a message with this code. If the sender transfers the money from a Wave account, the sender must set the Secret Code themselves.

The 4-digit PIN of the Wave account is required when logging into the Wave account or when making various payments via the Wave App.

The Wave Merchant App is a dedicated digital solution designed for merchants and business owners to seamlessly accept payments from customers via WaveQR and MMQR. It also enables efficient management and monitoring of daily sales performance and transaction history.

Any business owner with a valid National Registration Card (NRC) and an active registered mobile number is eligible. This includes retail shops, cafes, service providers, and online businesses. The registration process includes a streamlined “Know Your Merchant” (KYM) verification.

Merchants can accept payments via Wave QR and MMQR. MMQR is a unified system that allows you to accept payments from any mobile wallet. This flexibility enhances the customer experience and helps drive sales growth.

Yes. The Merchant App allows for effortless Business-to-Business (B2B) payments to suppliers or other merchants. This optimizes operational efficiency and reduces the risks and overhead associated with physical cash handling.

Direct transfers from your Merchant Account to another Merchant Account under the “Transfer” feature are currently free of charge.

Merchants have three secure options for managing their funds:
• Direct transfer to a linked Yoma Bank Account (via the Settlement section).
• Direct transfer to a Wave User Pay Account (via the My Wave Pay section).
• Cash withdrawal at any Wave Shop nationwide.

Yes, the app provides real-time visibility through:
• A two-tier management system designed to track sales across multiple staff members or branch locations efficiently.
• CSV Data Export functionality to download transaction logs for accounting and business analytics.

The app features a comprehensive Sales Dashboard that allows you to track daily sales in real-time, monitor market trends, and manage your business operations directly from your smartphone.

Wave Zay Sine is an integrated feature within the Wave App that empowers entrepreneurs to become Wave Merchants quickly. it facilitates the acceptance of digital payments and streamlines daily business requirements through a secure and user-friendly interface.

Wave Zay Sine offers rapid deployment, the ability to accept all digital payments, unified management of personal and business funds, and higher transaction limits to support business scaling.

To apply, select “Apply Now” within the app and register as a Wave MMQR Merchant by providing your business details along with photos of your storefront and products. Once approved, you must activate the service to start accepting MMQR payments. The standard verification period is up to 72 hours.

You can apply through the Wave Zay Sine mini-app or banner located in the Wave App home screen. Please ensure you are a Verified User to be eligible for the application.

Please ensure your Wave App is updated to the latest version (v2.5 or higher). The Wave Zay Sine mini-app and banners are only visible on the updated interface.

Requirements include a valid NRC, a clear real-time photo of your shop, and a Verified Wave User status. Note: The Wave Account holder and the shop owner must be the same individual. (Discrepancies can be corrected by re-registering your information).

You can apply using a valid NRC and real-time photos of your shop and products. A YCDC license is not a mandatory requirement for the MMQR application.

If a signboard is unavailable, please submit clear photos showing the shop entrance, the service counter/shelves, and your products. The imagery must clearly demonstrate that it is an active place of business and not a private residence or vacant space.

Yes. If you do not have physical products, you may submit photos related to your service. For example, a hiking business may submit photos of trekking equipment or organized trips to verify the nature of the business.

The standard processing time is up to 72 hours. However, depending on the current application volume, approval may be granted sooner.

This may occur if the “Know Your Customer” (KYC) requirements are not fully met according to our compliance standards. Please review the specific error message provided, make the necessary adjustments, and resubmit your application.

We process all applications within a maximum timeframe of 72 hours. If this period has not yet elapsed, your application is likely still in the verification queue and will be addressed shortly.

Wave Zay Sine is linked to a unique Merchant ID rather than just a SIM number. However, if you move to a new Wave Account, we will need to close the existing Merchant ID and initiate a new registration for the new account.

Discrepancies usually occur due to incorrect NRC or personal data provided during the initial Wave Account setup. To proceed, you must first ensure that your Wave Account profile reflects the correct personal information. Please contact the Wave Money Call Center to initiate the necessary data correction process.

To ensure account security and integrity, Wave Zay Sine requires real-time photos during registration. This helps us verify your identity and prevents the creation of fraudulent or duplicate accounts.

The MDR varies by merchant category:
• 0% MDR for specific merchant categories.
• 0.3% to 0.5% MDR for other categories based on standard regulatory guidelines.

To maintain high standards of identity verification and security, Wave Zay Sine currently exclusively accepts applicants with a valid NRC. At this time, applications using passports, foreign IDs, or from individuals without an NRC cannot be processed.

Open Wave Zay Sine, navigate to the Merchant QR screen, and select the Download button. The MMQR will be saved to your phone’s gallery for easy printing or digital sharing.

This may be due to incomplete data within your existing WavePay account profile. For further assistance and to resolve specific error messages, please contact our Customer Care team.

The MDR is determined based on your specific business category:
• 0% MDR applies to select merchant categories.
• For other categories, a nominal fee ranging between 0.3% and 0.5% is applicable, in accordance with standard regulatory guidelines.

Upon successful registration, merchants can:
• Generate and download a personalized MMQR to begin accepting secure digital payments immediately.
• Manage both business revenue and personal funds within a single, unified application.
• Monitor daily transactions and access comprehensive payment history.
• Print and display the MMQR to facilitate fast and secure customer checkouts.

You can generate Dynamic QR codes directly within the app. For physical MMQR stands, Wave Money representatives will coordinate delivery to your location.

Our dedicated Merchant Support team is available 24/7.
• Dial 9662 (for Atom and Ooredoo users).
• Dial 097 9662 9662 (for all other operators).

Yes, merchants are encouraged to join our Official Viber Channel for the latest updates, news, and business insights
👉 [Join here:] https://invite.viber.com/?g2=AQBE0Yb4I4PdX1TpZ7jmesng7kF%2BhFfr2rVXeiCmguyBn1mdM8jqL0zI2ud
EtuDe

Visit our Help Center more often for the questions you want to figure out. We have lots of FAQs to provide the answers for your questions. For queries that are more in details, please feel free to reach out our Wave Money’s call center which available from 7 AM – 12 AM at 900 for Atom users and 09790009000 for non-Atom users. You can also reach us via Wave Money official Facebook Page Messenger with blue mark.

Wave Money is a joint venture between Yoma Strategic Holdings, Yoma Bank, and Frontiir. It is Myanmar’s largest financial services network, providing secure and convenient mobile financial solutions through over 61,000 Wave Shops nationwide and the Wave App, our dedicated mobile wallet.

Wave App is a mobile application that can be used by all mobile phone users. With Wave App, you can transfer money anytime directly from your mobile phone. Users no longer need to rely on limited banking hours. To register for this service, only an internet connection is required, and it can be used anytime, anywhere.

“Wave Money” is the name of the company. The “Wave App” is one of our core financial products—a digital/mobile wallet. To use the Wave App, users must open a Wave Account on their mobile phone. With internet access, users can transfer money, withdraw cash, make payments, pay bills, top up mobile airtime, and make loan and insurance payments.

Yes. An internet connection is required to register an account, view account details, and carry out transactions using the Wave App.

Yes. With Wave, you can send money to anyone across Myanmar, whether they have a Wave Account or not. Using the Wave App, users can send money to friends and family according to the wallet limits.
People without a Wave Account can also send and receive money through Wave Shops using only their mobile phone. They can collect money at any Wave Shop by providing the secret code and transaction ID given by the sender.

Transfers between Wave Accounts are free of charge.
A transfer fee applies when sending money to someone without a Wave Account.
Cash withdrawal fees will be deducted from the Wave Account balance. Users can calculate applicable fees using the “Fee Calculator” in the app.
There is no fee for cash-in at Wave Agent shops.

Service fees can be calculated directly in the app under the “Fees” section. Alternatively, the official fee schedule is available on our website: https://wavemoney.com.mm/mm/limit-fees-mm.

The 4-digit PIN is a security credential required to log in to your Wave Account and to authorize various payments and transactions within the Wave App.

When transferring funds through a Wave Shop, you are only required to provide the recipient’s phone number, name, NRC number, and the desired transfer amount.

When transferring money through a Wave Shop, you must securely keep the 6-digit Secret Code and the Transaction ID and must not disclose them to anyone other than the intended recipient.

Wave Zay Sine offers rapid deployment, the ability to accept all digital payments, unified management of personal and business funds, and higher transaction limits to support business scaling.

You can apply through the Wave Zay Sine mini-app or banner located in the Wave App home screen. Please ensure you are a Verified User to be eligible for the application.

For general inquiries, please visit our Help Center within the app for comprehensive FAQs. For further assistance, the Wave Money Call Center is available from 7:00 AM to 12:00 AM. Atom users can dial 900, and users of other operators can dial 09790009000. You may also contact us via our verified (bluemark) Facebook Messenger page.

Help Center

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Wave Shop FAQs

Wave App FAQs

Wave Merchant FAQs

Common FAQs

Your guide To All Things FAQS

Help Center

Browse More Questions

Wave Shop FAQs

Wave App FAQs

Wave Merchant FAQs

Common FAQs

Transfer/Withdraw money without a Wave account

What is a Wave Shop?

How long does it take for the money to reach the recipient when transferring money through a Wave Shop?

What is the maximum amount that can be transferred in a single transaction at a Wave Shop?

How can I know if a shop is a Wave Shop?

What should I do if the money is not withdrawn within the stipulated 21 days?

Can I pay bills and make loan repayments at a Wave Shop?

Money Transfer at Wave Shop

Are there service fees for money transfers and withdrawals through a Wave Shop?

How can I withdraw the money transferred through a Wave Shop?

Can I transfer money to anyone through a Wave Shop?

How can I locate the nearest Wave Shop?

Help Requested

What should I do if the money I transferred did not reach the recipient?

What should I do if the SMS containing the 6-digit secret code and transaction number is accidentally deleted after a transfer at a Wave Shop?

Wave Shop Service Security Tips

What information must I keep securely when transferring money through a Wave Shop?

What is the Secret Code used for money transfers, and when is it required?

What information is necessary to provide when transferring money through a Wave Shop?

How can I confirm the authenticity of a contact from the Wave Money call center?

Downloading the Wave App and opening an account.

How do I download the Wave App?

What is a Wave Account?

How do I open a Wave Account?

How do I delete my Wave Account?

Wave Account Opened! Ready to Use!

What level do I need to use my Wave Account?

How do I cash in my Wave Account?

How long does it take to transfer money from a bank account to a Wave Account?

What are the benefits of using the Wave App?

How do I transfer money to another Wave Account?

How much does it cost to transfer money from a Wave account?

How do I send money from my Wave Account to someone without an account?

How can I check my transfer history?

What should I do if I forget my PIN?

What happens to my account if I don’t use it for a long time?

How do I top up my phone using my Wave Account?

How do I transfer money from a Yoma Bank Flexi Everyday Account to my Wave Account?

How do I transfer money from my Wave Account to a Yoma Bank Flexi Everyday Account?

How do I buy travel tickets?

How do I buy a bus ticket using the Wave App?

How do I make a hotel booking using the Wave App?

How do I pay a bill using the Wave App?

How do I repay a loan using the Wave App?

General

What is Wave App?

Which phone operator numbers can be used with Wave App?

Do I have to pay a service fee for transfers and withdrawals?

How many Wave accounts can I open with one phone number?

Can I transfer money internationally using Wave App?

At which account level can I use the MPU card top-up feature?

Can I transfer money to anyone using Wave App?

How can I withdraw the money transferred via a Wave agent shop?

Which smartphone types can use the Wave App?

What is required to top up with an MPU card?

What are the limits for MPU card top-ups?

Support

How do I change the 4-digit PIN of my Wave account?

What should I do if I am already logged into my Wave account but forgot the 4-digit PIN?

What should I do if I am not logged into my Wave account and forgot the 4-digit PIN?

How do I link my Wave account with a Yoma Bank Flexi Everyday Account without going to the bank?

How do I unlink my Wave account from my Yoma Bank Flexi Everyday Account online?

How can I check if money has been successfully received in my account after a transfer?

How do I check my transaction history?

What should I do if the money I transferred did not reach the recipient?

What should a user do if the SIM card used to open the Wave account is lost or damaged?

If I want to become a Wave Agent, do I use the Wave App?

How can Wave App users find Wave Agent shops?

What should Wave service users do if they encounter any difficulties?

“One Wallet, One Device”

I want to authorize my Wave account on a new phone. How do I proceed?

What should I do to keep my Wave account secure if my current phone is lost?

Can I log into and use my Wave account on two phones simultaneously?

Your guide
To All Things FAQS