MCB Bank offers innovative Digital Banking Services designed to deliver convenience, security, and efficiency to our customers. Our Digital Banking Services, including Internet Banking, Mobile Banking, Card Payment, and Wallet Payment, are developed to meet the evolving needs of both individual customers and businesses and all services are accessible anytime, anywhere.
MCB Visa Credit Card is a credit card issued by Myanmar Citizens Bank, which allows a certain credit limit to cardholders for purchasing goods and online payments. The cardholder is required to repay spending amount and the fees and charges set by the MCB Bank by the specified due date. The MCB Visa Credit Card can be used for payments at sales counters with POS machines both domestically and internationally, for E-commerce and online shopping payments, and for cash withdrawals from ATMs that display the Visa logo, whether inside or outside the country. The MCB Visa Credit Card can be used for payments at POS machines at local and international sales counters, facilitates payments for e-commerce and online shopping, and enables cash withdrawals at MCB ATMs or any ATM machines with the Visa logo, both locally and internationally.
| Fee Description(MMK) | Platinum Card | Classic Card |
|---|---|---|
|
Card expiration period |
5 years |
5 years |
|
Joining Fee (Principle) |
30,000 MMK |
10,000 MMK |
|
Joining Fee (Supplementary) |
15,000 MMK |
5,000 MMK, |
|
Annual Fee (Principle) |
120,000 MMK |
50,000 MMK |
|
Annual Fee (Supplementary) |
60,000 MMK |
25,000 MMK |
|
Pin Reissuing Fee |
Free |
Free |
|
Card Replacement Fee |
10,000 MMK |
10,000 MMK |
|
Credit limit Enhancement Fee |
30,000 MMK |
10,000 MMK |
|
Penalty Fee |
15,000 MMK |
15,000 MMK |
|
Bank Statement Regeneration Fee |
3,000 MMK |
3,000 MMK |
|
Balance Inquiry Fee |
Free (MCB ATM) |
Free (MCB ATM) |
|
Cash Withdrawal Fee (Domestic) |
6% of Transaction amount+ others ATM Charges |
6% of Transaction amount+ others ATM Charges |
|
Cash Withdrawal Fee (International) |
6% of Transaction amount + Markup fee+ Others ATM Charges |
6% of Transaction amount + Markup fee+ Others ATM Charges |
|
Maximum Cash Withdrawal Amount Limit |
20% of Credit Limit |
20% of Credit Limit |
|
Maximum daily /monthly limits for POS and E-commerce transactions (Domestic and International) |
MMK 2,500,000 |
MMK 1,500,000 |
|
Interest Rate |
16.5% per annum after payment due date.
|
16.5% per annum after payment due date.
|
NRC Copy (Original must be presented)
Household List Copy
Ward/Quarter recommendation Letter (within One Month)
1 Photo (Passport Size)
In case of Foreigners, Valid Passport, Photo and Form C Copy
MPU-JCB Co-Brand Debit Card allows you to make withdrawals at MCB ATMs, other ATMs which accept MPU/JCB logo and ATMs which accept JCB logo in other countries. It can also be used in making payments via POS machine at local and international sales counters, E-commerce and online payments.
*Applicants must be at least 18 years old on the date of registration.
| MPU –JCB Co-Branded Debit Cards | Classic | Platinum |
|---|---|---|
|
Card Joining Fee |
3,000 MMK |
5,000 MMK |
|
Lost/Replacement Fee |
3,000 MMK |
5,000 MMK |
|
Card Re-issue Fee |
3,000 MMK |
5,000 MMK |
|
Annual Fee |
3,000 MMK |
5,000 MMK |
|
(1st Year FOC) |
(1st Year FOC) |
|
|
PIN Reset/ Reissue Fee (Branch Counter Service Only) |
1,000 MMK |
1,000 MMK |
|
ATM Withdrawal – Own Bank Card at our ATMs |
FOC |
FOC |
|
ATM withdrawal: Domestic – Our Card on other Bank ATM (of-us Transactions) |
|
|
|
ATM Withdrawal Fee (Domestic Other Bank Card at our ATMs) |
1% |
1% |
|
ATM Withdrawal Fee (Cross-Border) |
25,000 MMK + Overseas Bank Charges |
25,000 MMK + Overseas Bank Charges |
|
Balance Inquiry Fee over the counter |
FOC |
FOC |
|
Balance Inquiry Fee at ATM (International) |
1000 MMK + Overseas Bank Charges (if applicable) |
1000 MMK + Overseas Bank Charges (if applicable) |
|
Statement Inquiry Fee |
FOC |
FOC |
|
Termination Fee |
FOC |
FOC |
|
Transfer Fee at own ATM |
500 MMK |
500 MMK |
|
Card Block |
FOC |
FOC |
|
Cross-Currency Fee in the Cross-border Usage |
Depend on Business |
Depend on Business |
|
Chargeback Handling Fee |
2 USD per transaction |
2 USD per transaction |
In response to the growing market demand for fast and convenient banking services, MCB Bank launched its Mobile Banking App in 2020. This service enables customers to perform transfers between MCB accounts and inter-bank transfers, manage their accounts directly, and conduct various financial transactions, all through their mobile phones. In 2025, MCB integrated its newly enhanced mBanking features into the CTZPay wallet, transforming it into a Super App that combines banking, payments, and lifestyle services in a single platform allowing users to seamlessly access their bank accounts, perform financial transactions, pay bills, shop online, and engage with various digital services, all from one unified application.
| Fee Description(MMK) | |||
|---|---|---|---|
|
Transaction Type |
Charges |
Max Per Transaction Limits |
Max per Daily Limit |
|
Own MCB Account Transfer |
Free |
100,000,000 |
1,000,000,000 |
|
Internal Account Transfer |
Free |
100,000,000 |
1,000,000,000 |
|
Other Bank Account Transfer |
0.01% (Minimum 2000) |
50,000,000 |
1,000,000,000 |
|
Other Bank Account Transfer |
0.01% (Minimum 2000) |
50,000,000 |
200,000,000 |
|
Transfer with NRC Dosmetic |
0.13% (Minimum 400) |
500,000 |
3,000,000 |
|
Utility Bill Payment |
Configurable |
Unlimited |
Unlimited |
|
Own Credit Card Repayment |
Free |
Unlimited |
Unlimited |
|
Other MCB Credit Card Repayment |
Free |
Unlimited |
Unlimited |
|
MCB Account to Wallet |
Free |
1,000,000 |
10,000,000 |
MCB Bank introduced Internet Banking Services in 2020, enabling customers to access their accounts at any time and perform a wide range of banking transactions online. Customers can conveniently manage their finances, such as transfers between MCB accounts and inter-bank transfers, from their homes or offices. The platform is designed to be user-friendly, secure, and efficient. In 2025, MCB introduced newly featured internet banking and corporate banking to their customers, offering enhanced functionalities such as bulk payments, payroll processing, real-time transaction monitoring, advanced security controls, and customizable user access for corporate clients-enabling businesses to manage their financial operations more efficiently and securely.
| Fee Description(MMK) | |||
|---|---|---|---|
|
Transaction Type |
Charges |
Max Per Transaction Limits |
Max per Daily Limit |
|
Own MCB Account Transfer |
Free |
100,000,000 |
1,000,000,000 |
|
Internal Account Transfer |
Free |
100,000,000 |
1,000,000,000 |
|
Other Bank Account Transfer |
0.01% (Minimum 2000) |
50,000,000 |
1,000,000,000 |
|
Other Bank Account Transfer |
0.01% (Minimum 2000) |
50,000,000 |
200,000,000 |
|
Transfer with NRC Dosmetic |
0.13% (Minimum 400) |
500,000 |
3,000,000 |
|
Utility Bill Payment |
Configurable |
Unlimited |
Unlimited |
|
Own Credit Card Repayment |
Free |
Unlimited |
Unlimited |
|
Other MCB Credit Card Repayment |
Free |
Unlimited |
Unlimited |
|
MCB Account to Wallet |
Free |
1,000,000 |
10,000,000 |
| Fee Description(MMK) | |||
|---|---|---|---|
|
Transaction Type |
Charges |
Max Per Transaction Limits |
Max per Daily Limit |
|
Own MCB Account Transfer |
Free |
500,000,000 |
5,000,000,000 |
|
Internal Account Transfer (Other MCB Transfer) |
Free |
500,000,000 |
5,000,000,000 |
|
Other Bank Transfer (24/7)/ Non-Banking Hour |
0.01% (Minimum 2000) |
50,000,000 |
1,000,000,000 |
|
Other Bank Transfer (Working Day , Business hour) |
0.01% (Minimum 2000) |
500,000,000 |
1,000,000,000 |
|
Transfer with NRC Domestic |
0.13% (Minimum 400) |
500,000 |
3,000,000 |
|
Utility Bill Payment |
Configurable(Min 0 to Max 30000) |
Unlimited |
Unlimited |
|
MCB Account to Wallet |
Free |
1,000,000 |
10,000,000 |
MCB Bank introduced Card Payment Services in 2020. Customers can make seamless payments using MPU-JCB Platinum Debit Cards and MPU-JCB Co-branded Cards for both E-commerce and Online Payments. These cards can also be used internationally in over 190 countries, offering access to Point of Sale (POS) services and cash withdrawals at domestic ATMs with ease and security.
In 2021, MCB Bank launched the CTZPay Application, offering customers a faster, more convenient, and efficient way to manage their financial transactions. Designed to enhance access to quality financial services, CTZPay enables users to perform a wide range of transactions, including Mobile
Payments, Bill Payments, Fund Transfers, and Merchant Payments, directly from their mobile phones. The application supports MMQR (Myanmar QR Code) payments, allowing customers to easily pay at any store that accepts MMQR. MMQR (Myanmar QR Code) integration in the CTZPay App allows customers to make fast, secure, and cashless payments at any store that accepts MMQR, regardless of the bank or wallet provider. It promotes nationwide interoperability, enhances convenience, reduces the need for physical cash or POS machines, and supports financial inclusion by enabling even small businesses to accept digital payments easily-making it a key driver in Myanmar’s transition to a digital economy.
Additionally, users can access MCB mBanking services through the CTZPay App and conveniently transfer funds to their preferred bank accounts.
Contactless
Secured with an EMV chip
Online Payment
Accepted at millions of merchants worldwide
Up to 45 days of interest-free for purchase transactions
Can choose the repayment options, minimum payment 10% of outstanding balance or full payment.
Option to add two supplementary cards for family members.
14 days start from apply date.
