# Mony - UPI for Tourists & NRIs — UPI Wallet for Tourists & NRIs

> UPI payment wallet for tourists and NRIs in India. (iPhone/iPad app by SMART PAYMENT SOLUTIONS PRIVATE LIMITED.)

- Source: https://appshunter.io/ios/app/mony-upi-for-tourists-and-nris/id6470903071 (this page in markdown: same URL + `.md`)
- Developer: [SMART PAYMENT SOLUTIONS PRIVATE LIMITED](https://appshunter.io/developer/1225967325)
- Category: Finance
- Price: Free
- Rating: 4.55/5 from 556 App Store ratings · 440 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.5 · 92 MB
- Languages: English
- Released: 2024-07-29
- Data updated: 2026-08-31
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/mony-upi-for-tourists-and-nris/id6470903071/reviews.md

## What is Mony?

Experience India Like Never Before with Mony


Discover India without the stress of cash, card issues, or payment barriers. Mony is your ultimate travel companion for seamless, cashless payments across India. Skip currency exchanges, ATM lines, and card fees—so you can explore the real India beyond the usual tourist spots.


Why is Mony the Best Travel Companion for Tourists?


1. Unlock the Real India
With Mony, you can pay any merchant across India—from bustling street markets to cozy cafés and hidden local gems. Shop where locals shop and eat where they eat, without worrying whether your card will work.


2. No More Cash Hassles or ATM Queues
Forget the stress of finding ATMs or carrying stacks of cash. With Mony, simply scan and pay instantly at millions of locations across India using UPI, accepted by 98% of merchants nationwide.


3. Safe, Secure, and Convenient
Travel with peace of mind. Mony provides a secure payment experience, so you don’t have to worry about card blocks, international transaction issues, or carrying multiple cards.


4. Shop and Eat Like a Local
Many of India’s best experiences—local markets, street food stalls, and small shops—don’t accept international cards. With Mony, you can pay effortlessly and enjoy India the way locals do.


More Reasons Travelers Love Mony :


• Track every expense directly in the app
• 24/7 support whenever you need assistance
• Discover local experiences and hidden gems across India


Download Mony Today.


Make the most of your trip to India. With Mony, you’re free to go wherever your journey takes you—not just where your card works.
Pay anywhere. Explore everywhere. Experience India without limits.


FAQ :


Why choose Mony over traditional cards in India?
Mony is built for tourists, letting you explore India without the hassle of currency exchanges, ATM lines, or card issues. 

Can Mony help me avoid tourist traps? 
Yes, every payment with Mony is digitally tracked and recorded. You can see the merchant name/UPI ID, date, time, and exact amount in the app. Since the amount is confirmed before you pay and can’t be changed afterward, vendors can’t overcharge or dispute your payment.

## Key features

- Cashless payments across India
- Pay at local markets and shops
- Avoid currency exchange and ATM fees
- Secure and convenient transactions
- Track all expenses
- 24/7 customer support

## What do users think of Mony?

Overall sentiment: neutral

**Pros**

- 🚀 Convenient UPI payments
- 🔒 Secure transactions
- 👍 Easy to set up
- 👍 Helpful customer support
- 👍 Useful for tourists and NRIs

**Cons**

- 🐛 KYC verification delays
- 🐛 Unreliable transactions
- 💰 High fees and commissions
- 🚫 Limited to merchant UPI accounts only
- 🐢 Slow app performance

**Commonly reported bugs**

- Pending transactions not getting resolved
- App crashes and connectivity issues
- Incorrect transaction status updates

**Most requested features**

- Support for personal UPI accounts
- Faster KYC verification process
- Improved refund and dispute handling
- Customizable notification settings

## Recent user reviews (10 of 440)

All indexed reviews: https://appshunter.io/ios/app/mony-upi-for-tourists-and-nris/id6470903071/reviews.md

### 1/5 — Thieves

*2026-08-29, version 1.23*

Quite liked Mony until they WhatsApped me to say they’ll charge me an inactivity fee after I returned from India. Giving money to someone to get nothing in return is usually called thievery. Or extortion. I’m furious. 🤬

### 5/5 — Finally UPI for forgeiners

*2026-08-28, version 1.23*

Despite not being able to do direct UPI for autos and cabs it is great to have at least for easy of living the Indian way

### 4/5 — Good

*2026-08-26, version 1.23*

I use this frequently

### 1/5 — Funds not received by merchant in India

*2026-08-26, version 1.23*

I am from the US and was visiting India. I made 2 payments of ₹2619 each to a merchant in Delhi.  The payments show as successful in Mony but the merchant hasn’t received iT. I have been trying but the amount is not yet refunded, it is over 3 weeks now. Have sent all the details to Mony but no reply. I am still waiting for the auto‑refund.

### 1/5 — Non existent customer care support.

*2026-08-25, version 1.23*

Mony is only good for paying flagship businesses such as Zomato, Amazon, etc. 80% of the time you won’t be able to pay your auto drivers, and local shops as they all use personal UPIs. Worst, whenever I get a declined payment from Amazon, the customer care is non-existent and never respond. They only have a chatbot. I don’t even know why I use this app.

### 5/5 — Great for NRIs

*2026-08-24, version 1.23*

I always search for ways for an NRI to use UPI when visiting India. After so many years of searching I’m glad to find the Mony app, it’s super easy to get verified and so far the app works for all kind of payments for me. The app works with international phone number and data which makes everything seamless. Get this app if you are visiting India and don’t want the hassle of carrying cash.

### 1/5 — Terrible service

*2026-08-24, version 1.23*

I tried to activate my account so I could use the upi payment system. I registered all the necessary information and took them 4 days to call me. Even after calling me the still did not activate my account after a week of waiting. Tried contacting customer support but never got a reply. I would recommend another upi option

### 1/5 — Expensive and Many fees

*2026-08-24, version 1.23*

Even if you never used the app they will try and charge you a “maintenance” fee after you have left India and once you have forgotten you even downloaded the app. Way more expensive than using directly cash or card so I deleted and forgot about it until they try to start charging me fees for something I never even used.

### 5/5 — A must have for NRIs

*2026-08-23, version 1.23*

Was a life saver for making payments in India where everyone has moved to UPI and most of the places do not accept cards.

### 1/5 — Pathetic and Scammy

*2026-08-22, version 1.23*

Ridiculous policy to charge customers 400 rupees for not making enough transactions. Want to close your account? Well that’s really hard on their servers so they’ll take another ‘closure fee’ before you go. Glad I barely put any money into this garbage app lol

## Frequently asked questions about Mony

### What is Mony and what does it do?

Mony is a UPI payment wallet designed specifically for tourists and NRIs in India. It allows users to make seamless, cashless payments at millions of locations across the country, eliminating the need for cash, traditional cards, or currency exchanges.

### What are the key features of Mony?

Key features include the ability to pay any merchant in India using UPI, avoiding cash hassles and ATM queues. It offers a safe and secure payment experience, allows users to shop and eat like locals, track every expense directly in the app, and provides 24/7 support.

### Is Mony free to use?

Based on the provided information, the app is available for free. There is no mention of subscription fees or in-app purchases for core functionality.

### What are the benefits of using Mony over traditional cards in India?

Mony is tailored for tourists, bypassing common issues like currency exchange hassles, ATM lines, and potential card blocks or international transaction fees. It ensures payments are accepted at a wider range of merchants, including local shops and street vendors that may not accept international cards.

### How does Mony help prevent overcharging or payment disputes?

Every payment made with Mony is digitally tracked and recorded within the app, showing the merchant name/UPI ID, date, time, and exact amount. Since the payment amount is confirmed before it's processed and cannot be altered afterward, vendors cannot overcharge or dispute the transaction.

## Version history (last 5 releases)

### 1.23 — 2026-05-21

Improvements & bug fixes

### 1.22 — 2026-05-11

Explore navigation

### 1.21 — 2026-05-05

Enhanced user experience.

### 1.20 — 2026-04-08

Enhanced user experience

### 1.19 — 2026-03-23

Go local, instantly. You’re ready to pay across India in seconds — no waiting around.

We now speak your language too. Mony is available in English, Spanish, German, and more.

Smoother, faster, better - this update brings an improved overall experience so your payments are always seamless.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-31.*