NayaPay

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 bundl