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SadaPay
by SadaPay
What SadaPay is
SadaPay is a freemium digital wallet for sending, receiving, and managing money on Android and iOS. Its free personal wallet lists account opening, annual charges, mobile banking, and virtual Mastercard issuance at no cost, with no minimum balance. Local bank transfers are free and can be sent to any bank or wallet in Pakistan. Users can pay bills from more than 900 billers and top up any GSM network. A virtual Mastercard is included; physical Mastercard issuance is listed at Rs. 1,724. The maker says its Mastercard works locally, online, and wherever Mastercard is accepted worldwide. SadaBiz supports receiving international freelance payments, with funds described as arriving within a business day. Listed remittance providers include Transferwise, Payoneer, Remitly, Xoom, and ACE. SadaPay lists fingerprint or Face ID access, encryption for funds and sensitive data, State Bank of Pakistan regulation, and 24/7 in-app chat support. International transaction fees are Rs. 55 + 6%* up to Rs. 800 and 6%* above Rs. 800.
Who it suits
It suits Android and iOS users in Pakistan who need wallet services, local transfers, bill payments, card access, or freelance payment reception. International transaction charges and the physical-card fee are relevant costs to consider.
What it does well
- Free wallet with no minimum balance
- Free transfers to Pakistani banks and wallets
- Pay bills from more than 900 billers
- Virtual Mastercard issuance is free
- Offers 24/7 in-app chat support
What to know first
- Physical Mastercard issuance costs Rs. 1,724
- International transaction fees apply
- No free trial
- Exchange rates are variable
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| SadaPay personal wallet | Account opening, annual charges, mobile banking, and virtual Mastercard issuance are listed as Free. · No minimum balance · Physical Mastercard issuance Rs. 1,724 | Free |
As sadapay.pk lists them, read 11 Oct 2026. The maker's own page has the final word.
Verdict
SadaPay combines a free personal wallet with Pakistani transfers, bill payments, cards, and international receiving options. Its physical-card and international transaction charges should be checked alongside the free account features.
Facts from SadaPay's own pages
- Bills and top-ups
- SadaPay says users can pay bills from more than 900 billers and top up any GSM network. · sadapay.pk, 11 Oct 2026
- Cards
- Users can get a virtual Mastercard, while the maker lists physical Mastercard issuance at Rs. 1,724. · sadapay.pk, 11 Oct 2026
- Exchange-rate model
- variable · sadapay.pk, 22 Sept 2026
- Upfront fee display
- Yes · sadapay.pk, 22 Sept 2026
- Freelance payments
- SadaBiz lets freelancers receive international client payments, and the homepage says funds can arrive within a business day. · sadapay.pk, 11 Oct 2026
- Free plan
- Yes · sadapay.pk, 22 Sept 2026
- Headquarters
- Islamabad, Pakistan · sadapay.pk, 28 Sept 2026
- International card use
- The maker says its Mastercard works locally, online, and around the world where Mastercard is accepted. · help.sadapay.pk, 11 Oct 2026
- International transaction fees
- The current schedule lists an international transaction fee of Rs. 55 + 6%* up to Rs. 800 and 6%* above Rs. 800. · sadapay.pk, 11 Oct 2026
- Local transfers
- The maker says local bank transfers are free and can be sent to any bank or wallet in Pakistan. · sadapay.pk, 11 Oct 2026
- Mobile platforms
- both · sadapay.pk, 22 Sept 2026
- Notable limits
- After biometric verification, the help center says the incoming credit limit increases to PKR 400,000 per month. · help.sadapay.pk, 11 Oct 2026
- Product
- SadaPay describes itself as a digital wallet for sending, receiving, and managing money. · help.sadapay.pk, 11 Oct 2026
- Regulation
- SadaPay says it is regulated by the State Bank of Pakistan under the Electronic Money Institution framework. · help.sadapay.pk, 11 Oct 2026
- Remittance providers
- The help center lists Transferwise, Payoneer, Remitly, Xoom, and ACE for receiving international remittances. · help.sadapay.pk, 11 Oct 2026
- Security
- SadaPay says it uses fingerprint or Face ID access and encrypts funds and sensitive personal data in flight and at rest. · sadapay.pk, 11 Oct 2026
- Support
- The maker advertises 24/7 customer support through in-app chat. · sadapay.pk, 11 Oct 2026
- Transfer speed
- instant · sadapay.pk, 22 Sept 2026
Where SadaPay stands on Freedom251
- Money Transfer Apps#53 of 81