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NayaPay

NayaPay

For all your everyday payments

1.1K ratings
73 reviews
With Ads
💰 Finance
Free
With Ads

Details

  • Released
  • Updated
  • October 4, 2022
  • July 1, 2026

Features

Developer

NAYAPAY (PVT.) LIMITED
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NayaPay screenshot #1 for iPhone
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About

Manage all your finances in one place. Send money, pay bills, receive international remittances, and shop worldwide with a free Visa debit card. Get started instantly with no hidden fees.

✓Send and receive money instantly
✓Pay bills from hundreds of merchants
✓Receive global remittances
✓Free virtual and physical Visa debit cards
✓Mobile top-ups and bundles
✓In-app chat for payments
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What users say

Summarized from real user reviews of NayaPay. Based on 1.1K reviews and a 4.7/5 average, it highlights the 15 positives and 41 negatives reviewers mention most about this Finance app.

Positive things

  • 👍Best and fast
  • 👍Excellent Banking App
  • 👍Must Have
  • 👍Amazing..! Keep the good work up
  • 👍The very best out there!
  • 👍love it
  • 👍Just Wow experience
  • 👍Amazing
  • 👍Best mobile wallet of pakistan imo
  • 👍Best pakistani digital wallet
  • 👍Very good app
  • 👍Naypay
  • 👍Excellent
  • 👍Bill Split 🤩
  • 👍Free Internet !!!!

Negative things

  • 💰Scammers. Non-transparent fees.
  • 🐢Slow and rude team
  • 🚫Not being able to receive OTP
  • 🚫Account Blocked — No Response from Support
  • 💰Nayapay is a Scam..Scammers
  • 🐛App better than its competitors but not without caveats.
  • 🌐No Urdu
  • 🐛In-app Biometric Unlock Feature
  • 🚫Fake banking
  • 🐛Urdu localisation needs work
  • 🐛New update very poor
  • 🔒app is not locked when we open it
  • 🐛Pathetic app and customer support
  • 🚫Dispute
  • 🐛Needs an update.
  • 🚫Very bad app
  • 🚫Not trustworthy
  • 🐛First experience
  • 🚫Fake Application
  • 🚫Experience
  • 🚫Excellent Services, Disappointing Support
  • 🚫Scam alert
  • 💰Expensive for online payments.
  • 🐛Verification
  • 🐛Bad
  • 🐛Issue!!!
  • 🐛Open nhn hota
  • 🚫Bakwass
  • 💰Best scamming app
  • 💰Failed Transaction Fee
  • 🐛Verification failed
  • 🚫Login Difficulty
  • 🐛App not working
  • 🐛Extremely buggy
  • 🚫Cannot install
  • 🚫Do not use
  • 🚫Nayapay a joke & total waste of time
  • 🚫Worst service
  • 🚫Worst staff service
  • 🚫Worst app
  • 🐛What kind of a glitchy mess is this ?
See all reviews

What's New in NayaPay

3.5.0

July 1, 2026

Ever sent an invite for an event that’s already over? Didn’t think so. So there’s no reason the Invite option should still be hanging around once your Chip In request has expired. We said be gone. It’s gone.

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User reviews

Most RecentHighest RatedLowest Rated

Worst app

They just eat your money.
Matturr121Matturr121

Rubbish

These guys are a joke.
They just upgraded to iOS 16….. and my money in the aap is now blocked…. Customer services are pathetic. Avoid like plague.
ooohhhhhhnooooooooohhhhhhnoooooo

Payment issue

Mujhe Lagta Pakistan coffee model Hoya Hai Mujhe Lagta tap to pay liquor à la Chahiye use Pakistan Apple Pay tap to pay Lena Apple wallet bag credit card and Rohan Chahiye Jaiye feature Aaja Aaja Tu Meri Tara five star reading at Kar Dunga tap💔
YayewhxzhzYayewhxzhz

Deducted money

Transaction failed but money was deducted from account
Very poor customer service rude staff
wahab chaudharywahab chaudhary

Worst app ever sadapay is way better

I made a account for my mom as she is a bit older and when the verification call came i told her the username and the person on the call cut the call rudely never use this app again
Shafay zainShafay zain
See 68 more reviews

User experience

🐞

Reported Bugs

3 issues

Transaction history and the screenshot

Bug

Crashes when i try to authenticate.

Bug

Not being able to pay my Utility bills

Bug
✨

Requested Features

4 requests

Add card support for Apple Pay wallet

Feature

Previous screen shot option and transaction history has the full details of sender but now its hide so we cant see the account no and other this in history or in SS so please chnage the ss system or do the previous one which is perfect 👍

Feature

Nayapay also should add personal loans option

Feature

Utility bills ?

Feature

FAQ

What can I do with NayaPay?

NayaPay allows you to send money, pay bills from numerous merchants, receive remittances from abroad, chat with friends, and shop worldwide using a free Visa debit card. You can also manage mobile top-ups and pay for travel services like Fly Jinnah tickets and M-Tag recharges.

Is NayaPay free to use?

Yes, NayaPay is free to use with no hidden fees, annual charges, or SMS surcharges. You receive a free Visa Virtual debit card instantly upon account creation, and can opt for a physical card. Money transfers between NayaPay users are also fee-free.

How do I add money to my NayaPay account?

You can add money to your NayaPay account by linking your bank account for effortless fund transfers. Alternatively, you can deposit cash at partner banks or transfer money from any bank to your NayaPay app.

Can I receive money from overseas with NayaPay?

Yes, NayaPay supports receiving global remittances and freelance payments from abroad. You can share your NayaPay IBAN with global remittance partners like Payoneer, Western Union, Wise, and others to have funds deposited directly into your account.

What are the card features in NayaPay?

NayaPay provides a free Visa Virtual debit card immediately upon account creation, which can be used for online shopping. You can also order a physical Visa debit card for in-store purchases and ATM withdrawals worldwide. The app allows you to manage card settings like spending limits, PIN changes, and transaction controls.