Askari Mobile App vs NayaPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Askari Mobile App
Manage your bank accounts, make payments, and transfer funds conveniently from your mobile device. Offers enhanced security features, bill splitting, and access to third-party services for tickets and vouchers.
- Biometric authentication
- RAAST P2M transactions
- Bill splitting
- Urdu interface
- Cardless ATM withdrawals
- QR code payments
- Utility and school fee payments
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Askari mobile banking application offers banking services at your fingertips. Askari bank has redesigned this App keeping in view the ease of use. The new services allow you to save your branch visits, and access your accounts anytime, anywhere. The app has enhanced security features with secure Biometric Authentication and Access Code. Now you can apply online for consumer products, go Card less on ATM, find deals & discounts, use QR for making payments and much more Download our new app now and ‘Go Digital’! What’s New!!! Enhanced Security Login to the app with your ID/Password and get an access code for more security. You can also enable convenient biometric feature that saves you from shoulder surfing. RAAST P2M Askari Digital App now giving the services of Raast P2M transaction to all askari nationwide Customers. Location Services For better experience Askari Digital App use customer Location for better Accuracy . Bill-Split Instantly Split your bill with friends and colleagues, Divide by amounts and shares also view or track pending transactions. Urdu Interface The application also offers an Urdu interface to enhance accessibility for customers Askari Edge Askari Edge within the Askari Digital Banking App provides users with access to services offered by independent third-party providers. The apps that are provided by Askari edge are those apps which are inside the AKBL Mobile Banking app through Askari edge medium these apps are, single-purpose applications that can be accessed instantly through Askari Digital app, the services include Bus, Cinema, Events Tickets ,also Provides facility to Purchase gaming vouchers. Payments • Utility bills (K-Electric, LESCO, FESCO, IESCO,PESCO, SSGC, SNGPL, GEPCO, HESCO, MEPCO, SEPCO, Askari Housing, PTCL, DHA, Bahria Town, Nayatel, Daewoo Bus, Nadra Esahulat & Askari Colonies • Schools (APS, Beacon House, Bahria School, Fauji Foundation, Cosmopolitan grammar school) • University fees (LUMS,NUML,IBA) • Mobile top-ups (Telenor, Zong, Jazz, Ufone,) • Government taxes (FBR, SECP, GoP, Sindh Revenue Board) • Insurance payments (Jubilee Life Insurance, EFU) • E-Commerce transactions (KuickPay merchants) • Investments (CDC–IPO, Foundation Securities) • Other banks’ Credit Card payments (1Bill Option) • Business payments via B2B (HABALL) Funds Transfer Conveniently transfer funds up to PKR 1M to any member bank accounts and Mobile Wallets. Go Card less Use Card less Cash Withdrawal option to withdraw cash from any Askari Bank ATM. You can also make easy and fast QR payments by scanning QR Codes. Account Details Check real time available balances of all linked accounts and view last 10 transactions through mini statement option. Credit Card Management Manage your credit card and make bill payments through multiple options. Debit Card Management Manage your Debit Card easily through our app. You can check status of cards in use or block your card temporarily. This feature provides extra layer of security. Daily Fund Transfer Limits Personalize your transfer limits as per your convenience within the defined range and make your funds more secure. Manage Cheques & Cheque Books Stop any cheque payment and view history of submitted cheques. You can also order your cheque book using this app. Deals & Discounts Stay updated with all the deals and discounts in your city and avail exciting offers just in few clicks. Apply Online for Consumer Products Apply online for Mastercard Credit Cards, Personal Finance, Ask4Car and Mortgage Finance without visiting the branch. Simply fill in the details using our new app and our team will get in touch with you for further process. ATM Locator This new feature lets you find the nearest ATMs without any hassle.
NayaPay
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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Welcome to NayaPay: The financial partner of choice for 3,000,000+ users. Send money, pay bills, receive remittances from around the world, chat with friends, and shop worldwide with a free Visa debit card. If it’s money, you can do it here. GET STARTED INSTANTLY Download the app and set up your account right away - no wait, no fees. All you need is your CNIC and a few minutes of your time. We’ll take care of the rest. FREE MEANS FREE Say goodbye to surprises (read: shocks) and unnecessary charges. No hidden fees, no annual charges and no SMS surcharge to worry about. Enjoy a free Visa card, seamless fee-free money transfers to one another and complete transparency about your money. GO INTERNATIONAL WITH VISA You’ll get your FREE Visa Virtual debit card on your phone immediately upon account creation. Choose a colour you love and shop online, on local and international sites. Get an Electric Orange physical Visa debit card delivered to your doorstep for in-store shopping and cash withdrawals from ATMs anywhere in the world. YOU’RE IN CONTROL Order a new card, set spending limits, freeze or unfreeze your card, change your PIN, enable or disable international transactions, online payments and contactless payments - all from within your app. SEAMLESS MONEY TRANSFERS Make free, instant money transfers to any bank. Your mobile number serves as your NayaPay account number, easy to remember and share with anyone to receive funds. Connect your Raast ID to your NayaPay account to send and receive money through Raast. BILL PAYMENTS MADE EASY Manage all your bills in one place. Pay hundreds of merchants from K-Electric, LESCO, and MEPCO to SNGPL, SSGC, and StormFiber right through the app. We’ll also send you reminders when your bill is due, helping you avoid pesky late payment penalties. GLOBAL REMITTANCES Looking to receive home remittance or freelance payments from abroad? Simply share your NayaPay IBAN, and our global remittance partners, including Payoneer, Western Union, Wise, Remitly, RIA, ACE, and more, will handle the rest. Your funds will be deposited directly in your account. ADD MONEY TO START SPENDING Link your bank account to effortlessly add funds to your NayaPay app. Deposit cash at partner banks or transfer money from any bank to NayaPay to load up your account and get cracking. TOP UP AND MORE Whether it’s Prepaid, Postpaid, or handy bundles, we’ve got you covered for Ufone, Telenor, Zong, SCOM and Jazz. From call packages to data bundles for Whatsapp, Facebook, Youtube, Tiktok, and PUBG, find all your mobile top-up needs in one place. WE’LL TAKE YOU PLACES Catching a flight? Pay for your Fly Jinnah ticket directly through the NayaPay app. Would you rather go on a road trip? We’ve got you there too. Ditch the toll queues, recharge your M-Tag using the app and have a smooth journey! CHAT YOUR PAYMENTS AWAY Add meaning to money transfers with payment notes. Chat with your friends, share photos, send voice notes, and much more. When words fall short, use our fun stickers to express yourself. STAY ON TOP OF YOUR FINANCES Track all your transactions with detailed, easy-to-understand transaction history. Manage your finances with digital receipts, making record-keeping a breeze. NEVER LOSE SIGHT OF YOUR MONEY You know what’s come in and what’s gone out instantly. Receive instant push notifications for every transaction - we’ll update you as soon as you send, receive and spend money so you’re always in the know. YOU’RE SAFE WITH US Enjoy secure transactions. NayaPay is PCI DSS and ISO 27001 certified. Each transaction is protected by fingerprint/Face ID or MPIN verification, ensuring only you can authorize payments. NayaPay has been featured internationally by Forbes, TechCrunch, Nikkei Asia, Fintech Finance, Tech in Asia, Tech Node Global, The Asian Banker and more. We are here to help, 24/7. Reach out to us via in-app chat, email at support@nayapay.com or give us a call on +(9221) 111-222-729.
Screenshots
Verdict
The clearest difference is monetization model: Askari Mobile App at free against NayaPay's free with in-app purchases. Askari Mobile App also leads on review sentiment (50% vs 31%) and device support (3 vs 1). NayaPay's advantage is rating (4.7 vs 4.5). On price, ratings volume, update cadence and ads there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
NayaPay holds the better App Store score, 4.7 against 4.5. Both are backed by a comparable volume of ratings — 991 and 1.1K respectively. Written reviews complicate that: 50% of Askari Mobile App's written reviews are positive against 31% of NayaPay's, so the app with the better star average is not the one people write more warmly about.
Askari Mobile App ships an update monthly, NayaPay every 2 weeks. The most recent releases landed on October 14, 2026 and October 12, 2026 respectively.
| Parameter | Askari Mobile App | NayaPay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (991 ratings) | 4.7 (1.1K ratings) — better |
| Positive reviews | 50.2% of reviews — better | 31.3% of reviews |
| Number of ratings | 991 | 1.1K — better |
| Update frequency | Monthly | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 15.6 — better | 16.0 |
| Further details — not scored | ||
| Size | 403 MB | 365 MB |
| Age rating | 4+ | 4+ |
| Developer | Askari Bank Limited | NAYAPAY (PVT.) LIMITED |
Customer experience
Askari Mobile App
NayaPay
User reviews
Askari Mobile App
From 991 App Store ratingsWhat we love
- 🚀 Excellent app, seamless banking experience
- 👍 User-friendly interface, easy to navigate
- 🔒 Secure and reliable banking app
- 💡 Convenient features like bill payments, funds transfer
- 🚀 Fast and responsive performance
Room to improve
- 🐛 Frequent crashes and stability issues
- 🐛 Biometric verification not working properly
- 🐛 OTP entry not functioning after recent update
- 🐛 Compatibility issues with older devices
- 🐛 Buggy and unreliable app experience
NayaPay
From 1.1K App Store ratingsWhat we love
- 👍 Best and fast
- 👍 Excellent Banking App
- 👍 Must Have
- 👍 Amazing..! Keep the good work up
- 👍 The very best out there!
Room to improve
- 💰 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
Bugs and requests
Askari Mobile App
Reported bugs
5 issues- App crashes on launch
- Unable to enter OTP for transactions
- Biometric verification not working
- Compatibility issues with latest OS versions
- Duplicate transactions and other technical issues
Requested features
5 requests- Add virtual/digital debit card option
- Improve overseas banking features
- Provide option to download account statements
- Implement RAAST transfer to IBAN
- Add copy-paste functionality
NayaPay
Reported bugs
3 issues- Transaction history and the screenshot
- Crashes when i try to authenticate.
- Not being able to pay my Utility bills
Requested features
4 requests- Add card support for Apple Pay wallet
- 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 👍
- Nayapay also should add personal loans option
- Utility bills ?
In-app purchases
Askari Mobile App
No in-app purchases
NayaPay
No in-app purchases
Questions
Is Askari Mobile App free?
Is NayaPay free?
Which has better reviews, Askari Mobile App or NayaPay?
Do Askari Mobile App or NayaPay have ads?
Which is updated more often, Askari Mobile App or NayaPay?
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