Comparison

NayaPay vs digiBOP

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • 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
Features
Read full description

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.

About

digiBOP

Manage your everyday banking needs conveniently and securely from anywhere. This app allows for easy fund transfers, bill payments, mobile recharges, and account management. You can also activate and manage your debit cards, find nearby ATMs, and access exclusive discounts.

Highlights
  • Funds Transfer (own accounts, BOP, other banks, wallets)
  • Bill Payments (utilities, credit cards, online shopping, government)
  • Mobile Recharge/Top-up
  • Account Information & Transaction History
  • Debit Card Management (activate, lock/unlock)
  • Locate ATMs and Branches
  • Secure Touch ID Login
Features
Read full description

A unique digital banking experience with digiBOP Mobile Banking App. Experience convenient and seamless digital banking with the latest digiBOP Mobile App. Offering unique features and improved interface, BOP customers can now attend their everyday banking needs anywhere, anytime with the redefined mobile banking app digiBOP. Funds Transfer: • Transfer within own Accounts • Transfer Funds to BOP Accounts, • Transfer Funds to other bank accounts via RAAST/1-Link • Transfer Funds to wallets/microfinance bank accounts/wallets Bill Payments: • Utility bill payments • Credit Card & Loan Accounts payments • Online Shopping Companies bill payment • Pay Government challans and fees (FBR payments) Mobile Recharge/ Top up • Recharge/ top up your prepaid/ postpaid mobile (Jazz, Telenor, Zong, Ufone) • Purchase prepaid super-card/bundles with BOP mobile banking Account Information • View your account(s) balance(s) and other account details (Branch, IBAN) • Manage multiple accounts with ease • View your transaction history and account statement Card Management: • Activate your debit card • Lock/unlock debit card • Manage permissions on your debit/credit cards Discount & Offers: • Search & Navigate to the nearby deals and discounts offered on BOP cards (Debit/Credit) with BOP mobile banking Locate Us: • Find the nearby BOP ATMs and Branches Basic Banking features: • Login through secure touch ID • Beneficiary Management • Payee Management • Contact Us for complaint and queries • Update your mobile number/password Feedback: • Leave a message and one of our customer care representatives will get back to you Let us know your feedback regarding the BOP mobile banking app Follow us • facebook.com/thebankofpunjab • twitter.com/thebankofpunjab • Visit us: bop.com.pk

Screenshots

NayaPay4 screens
digiBOP4 screens

Verdict

The call

The clearest difference is rating: NayaPay at 4.7 against digiBOP's 1.1. NayaPay also leads on review sentiment (32% vs 2%) and ratings volume (1.1K vs 12). digiBOP's advantage is monetization model (free vs free with in-app purchases) and iOS requirement (12.0 vs 16.0). On price, update cadence, 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

NayaPay holds the better App Store score, 4.7 against 1.1. That said, the two scores are not equally well evidenced: NayaPay has 1.1K ratings behind it against 12, so its average is the more settled of the two. Written reviews point the same way: 32% of NayaPay's written reviews are positive against 2% of digiBOP's.

UpkeepUpdate frequency

NayaPay ships an update every 2 weeks, digiBOP monthly. The most recent releases landed on September 25, 2026 and September 21, 2026 respectively.

Scorecard5 real differences · 5 level
NayaPay versus digiBOP: the parameters behind the verdict, then further details
ParameterNayaPaydigiBOP
PriceFreeFree
Rating4.7 (1.1K ratings) — better1.1 (12 ratings)
Positive reviews31.6% of reviews — better1.5% of reviews
Number of ratings1.1K — better12
Update frequencyEvery 2 weeks — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhoneiPhone, iPod — better
Requires iOS16.012.0 — better
Further details — not scored
Size371 MB187 MB
Age rating4+4+
DeveloperNAYAPAY (PVT.) LIMITEDThe Bank Of Punjab

Customer experience

NayaPay

All ratings1,106 ratings
Positive93.1%
Neutral2.2%
Negative4.7%
Written reviews76 reviews
Positive31.6%
Neutral6.6%
Negative61.8%

digiBOP

All ratings12 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews65 reviews
Positive1.5%
Neutral0.0%
Negative98.5%

User reviews

NayaPay

From 1.1K App Store ratings

What 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

digiBOP

From 12 App Store ratings

What we love

  • 👍 Nice and good bank

Room to improve

  • 😞 Unable to sign up
  • 😞 OTP issues (disappears, not typeable, not received)
  • 😞 Login problems (tough, errors, profile locked)
  • 😞 App crashes frequently
  • 😞 Poor customer service

Bugs and requests

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 ?

digiBOP

Reported bugs

12 issues
  • OTP disappears automatically
  • OTP cannot be typed or pasted
  • OTP not received
  • App crashes on startup
  • Login screen freezes or shows errors
Show 7 more
  • Profile locked error
  • Cannot add new payees/beneficiaries
  • App hangs and gets stuck
  • Previous version worked better
  • New version not picking card data
  • Auto-fetch OTP error
  • App crashes on iPhone iOS version 12.5.5

Requested features

8 requests
  • Update app
  • Fix OTP issues
  • Improve login process
  • Improve customer service
  • Fix bugs and errors
Show 3 more
  • Improve UI/UX
  • Hire better developers
  • Make app work properly

In-app purchases

None

NayaPay

No in-app purchases

None

digiBOP

No in-app purchases

Questions

Is NayaPay free?
NayaPay is free to download, with no in-app purchases.
Is digiBOP free?
digiBOP is free to download, with no in-app purchases.
Which has better reviews, NayaPay or digiBOP?
NayaPay is rated higher. NayaPay averages 4.7 out of 5 from 1.1K ratings, while digiBOP averages 1.1 from 12 ratings.
Do NayaPay or digiBOP have ads?
Neither NayaPay nor digiBOP shows ads.
Which is updated more often, NayaPay or digiBOP?
NayaPay ships an update every 2 weeks, and digiBOP monthly. Most recently, NayaPay was updated on September 25, 2026 and digiBOP on September 21, 2026.

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