NayaPay

Web · Android · iPhone

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Freedom report

Three barsScore 6.5

Free tierA free tier is on its own pricing page
Runs widely3 of 6 device platforms
DocumentedPlans, terms and facts published

NayaPay is ranked #53 of 82 in money transfer apps on Freedom251. It runs on Android, iOS, Web. There is a free plan.

NayaPay plans and pricing

All plans

Personal NayaPay wallet Free Free to join and stay · 5 free monthly ATM withdrawals at partner banks nayapay.com · 11 Oct 2026

Compared on money transfer apps

Free plan: Yes
Transfer speed: instant
Mobile platforms: both
Transfer tracking: Yes

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The record

Product: NayaPay is a digital wallet for payments, sending and receiving money, remittances, and bill payments.
Eligibility: Any Pakistani citizen over 18 can open a NayaPay wallet.
Virtual card: An account includes a free Visa virtual card for local and international online payments.
Physical card: Users can order a physical Visa debit card for ATM withdrawals and in-store payments.
Money transfers: Users can send money to Pakistani bank accounts through 1Link or Raast.
Bills and payments: The app supports bill payments, mobile top-ups, M-Tag recharges, Fly Jinnah ticket purchases, and traffic challan payments.
International reach: NayaPay says users can receive international transfers through more than 70 global remittance partners.
Merchant payment links: NayaPay Business payment links can be shared through email, social media, and other channels, with NayaPay and 1Bill offered as payment options.
Business account limits: A merchant account has standard monthly incoming and outgoing limits of Rs. 2 million each; higher limits may be assigned after review.
Security: NayaPay states that it is PCI-DSS and ISO 27001 certified and that data transmitted between its payment systems, mobile apps, and software platforms is 2048-bit SSL encrypted.
Regulation: NayaPay (Private) Limited is authorised and regulated by the State Bank of Pakistan as an Electronic Money Institution.
Support: The company offers support through in-app chat, phone, and email, and its contact page says account and card support is available 24/7.
Price from: Free

Where it ranks on Freedom251

Best Money Transfer Apps in 2026#53 of 82

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Sources

help.nayapay.com/article/244-which-bank-is-nayapay· checked 11 Oct 2026
help.nayapay.com/article/64-who-is-nayapay-for· checked 11 Oct 2026
help.nayapay.com/article/73-how-do-i-send-money-to-a-ban· checked 11 Oct 2026
nayapay.com· checked 11 Oct 2026
help.nayapay.com/article/128-what-is-a-payment-link· checked 11 Oct 2026
help.nayapay.com/article/61-is-there-a-limit-to-the-amou· checked 11 Oct 2026
help.nayapay.com/article/66-is-my-information-safe· checked 11 Oct 2026
nayapay.com/contact· checked 11 Oct 2026