Zindigi vs NayaPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Zindigi
Manage all your finances in one place. Make payments, save, invest, borrow, and even trade stocks. Enjoy a customizable home screen, a unique translucent debit card, and a rewarding loyalty program.
- All-in-one financial management
- Customizable home screen shortcuts
- Translucent Mastercard/PayPak Debit Card
- Seamless local and international payments
- Bill payments (electricity, gas, internet, etc.)
- Stock market and mutual fund investing
- Instant personal loans up to Rs. 100,000
- Loyalty program (Z-Miles)
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Welcome to Zindigi - your all-in-one solution for simplifying all your financial needs. Make payments, spend save invest and borrow money within some app and in-store spending to access to trading and free international payments, Zindigi empowers you to do it all. Open your Zindigi account in minutes today and unlock a world of seamless financial management at your fingertips. Customize your home screen with shortcuts of your own choice. Now add up to 8 shortcuts of your favorite activity to your home screen for quick navigation. Translucent Debit card: Order our cool translucent Mastercard/PayPak Debit Card directly from Zindigi and make local and international payments with the lowest international transaction fees(only at 1%) Make seamless payments: Send Money to any bank account, CNIC, mobile number, Zindigi - Zindigi to your friends and family securely and share receipts instantly from within the app. Pay your bills on time without standing in lines. In simple 3 steps, you can clear your bills online for electricity, gas, telephone, internet, water, government fees and more. Book your airline, bus, or cinema tickets with Zindigi app or buy vouchers for Netflix, Amazon or Fortnite, PUBG, FREEFIRE, PlayStation, XBOX etc. Invest, Save, and lend: Seamlessly open your stock market and mutual funds account in just a few simple steps and begin earning profits right away. With Zindigi, you have the flexibility to buy and sell stocks, monitor market performance, and grow your money. Save with mutual funds at your convenience, with funds deposited directly into your Zindigi account, save, and grow your money through mutual funds. Need instant cash? With our Advance Cash get instant loans up to Rs. 100,000 without any documentation. So, what are you waiting for? Personal Loans are only available to Pakistan Citizens in the territory of Pakistan Terms & Conditions: https://zindigi.appinsnap.com/pages/Advance-Cash-Terms-&-Conditions.html Funding your Zindigi Account is SIMPLE: You don’t have to worry about topping up your Zindigi account anymore, just pull funds from any debit card or transfer from any bank account easily to get started. Its that easy! Z-Miles Your Loyalty Program: For Zindigi, loyalty matters! The Z-Miles program brings this statement to life. With Z-Miles we promise you rewards that have no end. The more you engage with Zindigi and spend on the app, we will give out loyalty points which you can redeem for vouchers and enjoy discounts on Bill Payments and much more! Gen Z (Under 18 Account) You are under 18? No issues, now you can sign up and enjoy financial freedom with Zindigi and enjoy features like Debit Card, Bill payments, Z-Miles and much more! The whole financial world in the palm of your hands Gifting has never been this easier: Send personalized gifts or send requests for money to your friends and family. Stay in control of your App security: Apply additional security layers of SMS/email OTP and biometric verification over and above PIN code by simply changing the security settings in the App. Manage your cards by setting spending limits, block/unblock it right from the app. Experience the convenience of instant spending notifications, effortless cash flows, stress-free travelling with real-time support from Zindigi's In-App chat. More than an App, it’s a lifestyle: Use Zindigi for travel, cinema, and hotel bookings, buy e-vouchers & insurance, pay bills, take loans, invest and secure your savings through one single app. Download now and Zindigi se Zindagi ko Simple Karo! For any queries, contact us at: support@zindigi.pk Helpline: (021) 111-556-677
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 rating: NayaPay at 4.7 against Zindigi's 2.9. NayaPay also leads on update cadence (every 2 weeks vs every 2 months) and ratings volume (1.1K vs 104). Zindigi's advantage is monetization model (free vs free with in-app purchases) and iOS requirement (13.0 vs 16.0). On price, review sentiment, ads and in-app purchases 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 2.9. That said, the two scores are not equally well evidenced: NayaPay has 1.1K ratings behind it against 104, so its average is the more settled of the two. Written reviews point the same way: 26% of Zindigi's written reviews are positive against 32% of NayaPay's.
Zindigi ships an update every 2 months, NayaPay every 2 weeks. The most recent releases landed on September 1, 2026 and September 22, 2026 respectively.
| Parameter | Zindigi | NayaPay |
|---|---|---|
| Price | Free | Free |
| Rating | 2.9 (104 ratings) | 4.7 (1.1K ratings) — better |
| Positive reviews | 26.2% of reviews | 31.6% of reviews — better |
| Number of ratings | 104 | 1.1K — better |
| Update frequency | Every 2 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 13.0 — better | 16.0 |
| Further details — not scored | ||
| Size | 283 MB | 371 MB |
| Age rating | 12+ | 4+ |
| Developer | JS Bank Limited | NAYAPAY (PVT.) LIMITED |
Customer experience
Zindigi
NayaPay
User reviews
Zindigi
From 104 App Store ratingsWhat we love
- 👍 User friendly
- 🚀 Fast transactions
- 🔒 Secure payments
- 👍 Manage money well
- 👍 Smooth and reliable
Room to improve
- 🐛 App not updated
- 🐛 Customer service slow
- 🐛 Flaws in app
- 🐛 Contact us not working
- 🐛 Biometrics not updated
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
Zindigi
Reported bugs
45 issues- Unable to open minor account, requires NADRA smart card scan
- App not updated, customer service slow
- Flaws in app, buttons don't work
- Contact us not working, unable to reply
- Digital app not updated with biometrics verification
Show 40 moreShow fewer
- Error registering for stocks for 3 days
- Link down daily for stock trading
- Unable to login most of the times
- Payment transfer not happening
- App not running on time
- Money stuck
- Holding 30000 PKR without reason
- Too many glitches, no way to sort out
- Fails at transactions, no processing after 10 PM
- No response for reverse funding
- ATM card not working
- App won't work when trying to login
- ATM gives error
- Transaction shows error after loading
- App not opening, buggy
- Crashes sometimes, stocks stopped working
- Money didn't come out of ATM, deducted from account
- No response from call center
- App keeps closing
- International transactions not possible
- App closes when activating card
- Card section shows card not activated
- Login pin failure, application closes
- App not responding, cannot open after password
- Unable to register on stocks
- Error during signup
- App crashed
- Unable to enter login pin
- Stocks do not work
- Login issues
- Unexpected error during login
- Unexpected error during signup
- CNIC issue date incorrect
- Unable to sign up, device connected to internet error
- CNIC scan error
- OTP not received
- PIN not set
- Error without reason
- CNIC already registered with unknown mobile number
- Not working, OTP delayed, PIN error
Requested features
4 requests- Support NFC in Apple Pay
- Improve UI/UX
- Make stock investing easier
- Allow messaging with 'maybe' option
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
Zindigi
No in-app purchases
NayaPay
No in-app purchases








