MyanmarMMKMyanmar Kyat
Myanmar's currency is the kyat, and the main feature of this direction is not the currency itself, but the currency regime: the official rate of the central bank and the real exchange rate in the country differ, so a reference rate from the internet tells you little about how much the recipient will actually receive. Add international restrictions on some banks—and you'll understand why the route here is confirmed before payment.
The route, the receiving bank and the payout amount are agreed before payment.
The national currency is the Myanmar kyat (MMK). The country's currency regime remains strictly regulated: the Central Bank of Myanmar sets the official rate and rules for foreign currency circulation, while the official and actual market rates can differ significantly. Therefore, in an international transfer, what matters is not only the amount in MMK but also the conversion rate applied by the bank. Myanmar has strict restrictions on foreign currency operations, and a number of local banks and financial organizations are subject to international sanctions, so the availability of a specific bank and correspondent route must be checked separately for each application. The country's capital has been Naypyidaw since 2005, but Yangon remains the main business and banking center. IBAN format is not used in Myanmar: for international SWIFT transfers, you typically need the bank's SWIFT/BIC code, account number, and recipient's full name.
Burmese script does not use Latin characters, so the recipient's name and bank name for international payment are best taken directly from banking documents in English. A separate practical feature is the treatment of damaged US dollars: damaged, torn, heavily creased, or marked banknotes may not be accepted in exchange. The official language is Burmese. Myanmar operates on an unusual time zone UTC+6:30 and is 3.5 hours ahead of Moscow. ATM24 checks the recipient bank, sanctions status, and available correspondent chain in advance before confirming the application. International SWIFT transfer time is 2–5 business days if a route is available. ATM24 commission is from 0.9%.
Card networks operate in major cities; availability depends on the bank. You need the card number and cardholder's name in Latin characters. The amount in kyat is visible in the application before payment. Whether the card of a specific bank is suitable is checked in advance
IBAN format is not issued here: the recipient is found by SWIFT code and account number. Name and bank name are taken from banking documents in Latin characters. Some banks in the country are unavailable due to international restrictions. ATM24 checks the availability of a specific bank before sending money
Kyat in hand in cities where bank branches operate. Main locations are Yangon and Mandalay, Myanmar's business centers. The kyat remains the main method of payment: cards rarely work. How much you can withdraw at once is clarified when arranging the transfer
For Myanmar you need the recipient bank's SWIFT code, account number, and name in Latin characters; IBAN format is not used in the country. The key thing to understand in advance: the exchange rate here is not a single number—official and market rates differ, so the final amount in kyat is fixed in the application before payment. Some banks are subject to international restrictions, and the availability of a specific route is verified for each application.
We accept RUB, USD, EUR and USDT — we pay out in MMK
RUB MMK
43.22per 1 RUB
10 000 ₽ = 432 176 MMKUSD MMK
3,900.28per 1 USD
100 $ = 390 028 MMKEUR MMK
4,306.05per 1 EUR
100 € = 430 605 MMKUSDT MMK
3,900.28per 1 USDT
100 USDT = 390 028 MMK| You send | Payout in MMK |
|---|---|
| 100 USDT | 390 028 MMK |
| 300 USDT | 1 170 083 MMK |
| 500 USDT | 1 950 139 MMK |
| 1 000 USDT | 3 900 278 MMK |
| 5 000 USDT | 19 501 389 MMK |
Where recipients usually get the money in Myanmar
KBZ Bank — a universal bank with retail and corporate services. Recipients may use an account, card, branch, or mobile banking.
CB Bank Myanmar — a commercial bank providing accounts, cards, and transfers. It is suitable for recipients who use bank account details.
Yoma Bank — a bank focused on everyday accounts and card operations. The recipient should provide the exact details and payout currency.
AYA Bank Ayeyarwady — a bank serving personal customers and small businesses. Its services typically include accounts, cards, branches, and digital banking.
AGD Bank — a local bank with standard account and cash services. Transfer availability depends on the details, currency, and bank rules.
National currency
The national currency is the Myanmar kyat (MMK).
Card systems
MPU (Myanmar Payment Union) is the national debit system, accepted by ATMs and POS terminals within the country. KBZPay and Wave Money are the largest mobile wallets. Visa and Mastercard are limited due to international sanctions since 2021.
Payment applications
Myanmar operates on time zone UTC+6:30 and is 3.5 hours ahead of Moscow.
Interbank transfers
IBAN format is not used in Myanmar: for international transfers, the bank's SWIFT/BIC code and account number are used. International sanctions apply to some Myanmar banks and financial organizations, so the availability of a specific route depends on the recipient bank and correspondent chain.
Financial regulator
The country's capital is Naypyidaw, while the main banking and business activity is concentrated in Yangon.
Features for ATM24
Official and market exchange rates can differ significantly, and foreign currency operations are subject to strict regulation.
With an ATM24 transfer the recipient gives their own bank and details, so the money lands directly on the account.
Three steps from request to payout
Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route
We check the recipient details and confirm the route, rate, fee and payout amount
Once paid, the transfer goes out along the agreed route — we report the status in the messenger
We verify the exact details when agreeing the available route before payment.
Facts, not promises
You see the rate, the fee and the payout amount before you send the money.
The route, rate, fee and payout amount are agreed before payment.
Reference cities with payout locations. Availability of a specific location is confirmed in the request.
Confirm the city before payment
Only methods present in both the country description and the current route are shown.
Real stories from real people
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Read full reviewWe agree the rate and the payout method before payment — pick where the money goes.
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We've compiled answers about the kyat, the country's currency regime, and what is verified before sending money.
For a transfer to Myanmar in MMK, ATM24 builds the order around the recipient's payout method on the Myanmar MMK payout route. The sender sees the route, fee from 0.9%, expected timing from 15 minutes, and final amount before payment; if details change, the calculation is updated. Bank-route examples for Myanmar: CB Bank, KBZ Bank, AYA Bank, Myanmar Credit Bureau Limited, and Myanmar Citizens Bank Ltd**.
A card or bank-account payout in Myanmar in MMK is possible only when the selected route supports it. ATM24 verifies whether the recipient's card, account number, and name match the Myanmar MMK payout route. The manager confirms the selected bank, such as CB Bank or AYA Bank, before payment because card and account rules may differ. Bank-route examples for Myanmar: CB Bank, KBZ Bank, AYA Bank, Myanmar Credit Bureau Limited, and Myanmar Citizens Bank Ltd**.
ATM24 can check whether a MMK transfer to Myanmar may go through CB Bank, KBZ Bank, AYA Bank, Myanmar Credit Bureau Limited, and Myanmar Citizens Bank Ltd**. The receiving bank must match the recipient details and accept the selected payout route. The manager confirms the bank, account or card format, and final amount before payment.
For Myanmar, ATM24 does not use one universal recipient form for every MMK transfer. The details are checked by route: CB Bank, KBZ Bank, AYA Bank, Myanmar Credit Bureau Limited, and Myanmar Citizens Bank Ltd**, card payout, account payout. Name, account/card data, and payout currency must match the selected option. Bank-route examples for Myanmar: CB Bank, KBZ Bank, AYA Bank, Myanmar Credit Bureau Limited, and Myanmar Citizens Bank Ltd**.
A MMK transfer to Myanmar can start from 15 minutes after ATM24 confirms the recipient route. Timing depends on amount, recipient details, and Myanmar MMK payout route, CB Bank, KBZ Bank, AYA Bank, card route, account route, and recipient-name matching against the selected bank record. The expected payout window is shown before payment. Bank-route examples for Myanmar: CB Bank, KBZ Bank, AYA Bank, Myanmar Credit Bureau Limited, and Myanmar Citizens Bank Ltd**.
A MMK transfer to Myanmar through ATM24 has a fee starting from 0.9%, but the useful number is the final amount after the route is checked. ATM24 confirms the Myanmar MMK payout route, bank such as AYA Bank, exchange conditions, sender's payment method, and payout amount. Any fee charged by the sender's card issuer or bank should be checked separately. Bank-route examples for Myanmar: CB Bank, KBZ Bank, AYA Bank, Myanmar Credit Bureau Limited, and Myanmar Citizens Bank Ltd**.
Payment for a MMK transfer to Myanmar can be arranged through an available sender method after ATM24 checks the receiving route. The check includes the Myanmar MMK payout route, bank such as AYA Bank, fee from 0.9%, and exchange conditions. USDT network cost or card-issuer charges are confirmed separately. Bank-route examples for Myanmar: CB Bank, KBZ Bank, AYA Bank, Myanmar Credit Bureau Limited, and Myanmar Citizens Bank Ltd**.
The minimum transfer amount to Myanmar in MMK through ATM24 starts from 100 USD or the equivalent. The maximum amount is confirmed before payment and depends on the Myanmar MMK payout route, sender payment method, bank, recipient details, and possible document requirements. If the recipient changes CB Bank to another bank or switches from account to card, the limit should be checked again. Bank-route examples for Myanmar: CB Bank, KBZ Bank, AYA Bank, Myanmar Credit Bureau Limited, and Myanmar Citizens Bank Ltd**.
For a large MMK transfer to Myanmar, ATM24 reviews documents around Myanmar MMK payout route, CB Bank, KBZ Bank, recipient-name match, route limit, payment purpose, source-of-funds review, and recipient-name matching against the selected bank record. The request may require sender ID, source-of-funds details, recipient bank data, and payment purpose. The manager confirms the exact list before payment. Bank-route examples for Myanmar: CB Bank, KBZ Bank, AYA Bank, Myanmar Credit Bureau Limited, and Myanmar Citizens Bank Ltd**.
If you send 1000 USD to Myanmar, the recipient amount in MMK is not a generic market-rate number: 3,900,277.75 MMK. The calculation uses the payout route, bank such as AYA Bank, fee from 0.9%, and exchange conditions. ATM24 confirms the final amount before the sender pays. Bank-route examples for Myanmar: CB Bank, KBZ Bank, AYA Bank, Myanmar Credit Bureau Limited, and Myanmar Citizens Bank Ltd**.
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