Savings account

This is our most popular account, and a simple way to start saving and see your money grow. You can save whenever you want and earn up to 6% interest per annum.

Personal Account

Savings Account

Savings Plus


  • Minimum balance of MMK 1,000
  • Interest bearing account
  • EMV chip-based co-badged (MPU/UPI) debit card
  • Internet banking, mobile banking app services 
  • Passbook/Paper statement as and when requested and eStatement
  • Can be opened in local currency (MMK) only 


  • Convenience and security 
  • Interest earned on savings 
  • Access ATM and merchant outlets through POS terminals (inside and outside Myanmar) 
  • Lock and unlock the card using our mobile application (AGDPay) 
  • Any branch banking services

Rates and Fees

  • Interest rate - 6% p.a.
  • Interest payment frequency - quarterly
  • Free co-badged MPU / UPI debit card
  • Free AGD Pay registration


  • Myanmar citizen aged 18 years or over (Sole or Joint account)

Documents Required

  • NRC Copy / Passport

Children’s Savings Account (below 12 years)

Start saving for your child’s future today and see your money grow as they do.

Documents Required

  • 1x copy of applicant's birth certificate
  • 1x copy of NRC of guardian
  • 1,000 kyat initial deposit

Student Savings Account (12-17 years)

Give your children peace of mind as they study hard for their future, and open a Student Savings Account now.

Documents Required

  • 1x copy of NRC of applicant
  • 1x copy of NRC of school teacher
  • Recommendation letter from a teacher
  • 1,000 kyat initial deposit

Savings Plus Program

This program offers exclusive advantages for Savings account holders BONUS up to 80,000 Ks per month depending on the balance.

Remaining Balance on account (Ks)
BONUS  for those without cash withdrawals
BONUS for those withdraw cash up to 1mn
1 mn -  5 mn 1,000 Ks 500 Ks
5 mn – 10 mn 4,000 Ks 2,000 Ks
10 mn – 50 mn 8,000 Ks 4,000 Ks
50 mn – 100 mn 40,000 Ks 20,000 Ks
100 mn and over 80,000 Ks 40,000 Ks