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Pakistan · Banking & PaymentsNayaPay
A Pakistani digital wallet and payment app, offering IBAN-based accounts, transfers and bill payments in one platform.
What it helps with
- Sending money in PakistanBy mobile number.
- Paying billsElectricity, gas, mobile.
- Paying in shopsQR codes.
About NayaPay
NayaPay is a Pakistani fintech app offering a digital wallet with its own IBAN, letting users receive bank transfers, pay bills and make everyday payments without needing a traditional bank branch relationship.
Key Features
- Digital IBAN Account: Get your own IBAN for receiving transfers directly, functioning like a full bank account.
- Bill Payments: Pay utility bills, mobile top-ups and other recurring payments through the app.
- NayaPay Card: A linked debit card for purchases both online and in physical stores.
- Instant Transfers: Send and receive money instantly to other NayaPay users or via bank transfer.
How to Get Started
- Download the NayaPay app and register with your Pakistani phone number and CNIC.
- Complete identity verification as required for account opening.
- Fund your account through bank transfer or supported deposit methods.
- Use the app for transfers, bill payments and card purchases.
Before you use it
- Sign-up: A NayaPay account needs a Pakistani mobile number registered on a CNIC; foreigners usually cannot open one.
- Limits: Monthly limits depend on the account level and rise after full verification.
Local number needed
Local ID needed
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Frequently Asked Questions
- Does NayaPay work with a foreign bank card in Pakistan?
- Not reliably - a foreign card may be declined. Check the notice above, or plan to use a local payment method.
- Is NayaPay available in English?
- Not officially - the interface is mainly in the local language.
- Do I need a local phone number to use NayaPay?
- Yes, NayaPay requires a local phone number to register.
- Do I need local ID or residency for NayaPay?
- Yes, NayaPay requires local ID or residency status.
- Where can I use NayaPay?
- iOS · Android
- How much does NayaPay cost?
- Free account; fees on some withdrawals