Abay Mobile Banking provides a secure and convenient way to manage your finances from anywhere, at any time. With our app, you can easily access your bank accounts, carry out various financial transactions, and perform non-financial tasks with just a few taps on your mobile phone.

Key Features:
• Login & OTP Verification: Securely log in to your account with multifactor authentication by verifying your identity using your PIN, OTP & sender identity verification to ensure your account's safety.
• Query Account: Check your account balance and transaction history anytime.
• My Account List: View all your linked accounts in one place.
• Recent Transactions: Track your recent transactions to stay updated on your account activity.
• Bill Payment: Pay your bills quickly and easily through the app.
• Own Account Transfer: Transfer funds between your own accounts effortlessly.
• Other Abay Account Transfer: Send money to other Abay bank accounts with ease.
• Other Bank Transfer: Transfer funds to accounts in other banks seamlessly.
• Send Money: Send money to friends and family instantly.
• Telebirr Transfer: Transfer funds to Telebirr accounts easily.
• Merchant Payment: Pay merchants securely using the app.
• Airtime Top-up: Recharge your mobile phone airtime quickly.
• Buy Plane Ticket: Purchase plane tickets conveniently from your mobile.
• Buy Bus Ticket: Buy bus tickets with ease.
• Manage PIN: Change your account PIN for enhanced security.
• Card List: View and manage your ATM cards.
• Manage Beneficiary: Add and remove beneficiaries for easier transfers.
• Branch Tracker: Find the nearest Abay Bank branch.
• Account Query: Perform various account queries as needed.
• User Authentication: Ensure secure access with robust user authentication.
• Exchange Rate: Check the latest exchange rates.
With Abay Mobile Banking, you can handle all your banking needs securely and conveniently, ensuring that your finances are always at your fingertips.

Security Features:
• Abay Mobile Bank app uses SMS permissions to securely activate the app for first-time users by verifying OTPs sent via SMS. This ensures that the activation process is secure and reduces the risk of fraud and social engineering attacks.
• Multifactor Authentication: Protect your account with a combination of PIN and OTP verification.
• Secure Transactions: All financial transactions are encrypted to ensure your data remains safe.
• Trusted Sender Verification: Automatically verify the sender ID of incoming SMS messages to ensure OTPs are from trusted sources, reducing the risk of fraud and social engineering attacks.
• Manage PIN: Easily change your account PIN to enhance security.
• Regular Security Updates: The app is regularly updated to protect against new security threats.
• Secure Access: User authentication processes are designed to provide secure access to your accounts.
• Data Privacy: Your data is secure with us. We do not use SMS permissions for any other purpose, and your information is never shared.