NayaPay

NayaPay is an app-based e-money account run by NayaPay (Private) Limited.

NayaPay (Private) Limited is authorised and regulated by the State Bank of Pakistan as an Electronic Money Institution, according to its website.

Charges below are from NayaPay’s Schedule of Charges for July to December 2026. Rates exclude applicable taxes except items NayaPay marks as tax-inclusive, and NayaPay says it may charge up to the amounts shown. Charges for features in a pilot phase are not in the schedule.

Operator (legal entity): NayaPay (Private) Limited
SBP licence type: EMI
Charges: Service Charge Note
Sign-up Free July–December 2026 schedule
Annual fee Free ·
Transfer to another NayaPay account Free ·
Transfer to a bank account through Raast Free ·
Transfer to a bank account through 1LINK Free up to Rs25,000 a month, then 0.1% (maximum Rs200) July–December 2026 schedule
Unload to linked bank account Free ·
Load from linked bank account or through Raast Free ·
Over-the-counter deposit at participating bank branches Up to Rs23 ·
Load at NADRA e-Sahulat Rs1.8 to Rs16.8, by amount (up to Rs25,000) 1LINK network fees
Visa virtual card Rs600 Includes tax
Visa physical card Rs1,000 Includes delivery and tax
PayPak card Rs1,808 Includes delivery and tax
ATM cash withdrawal in Pakistan, debit card Rs35 Includes tax; any bank's ATM
Cash withdrawal at Meezan Bank ATMs, biometric Rs50 ·
ATM cash withdrawal abroad Rs200 ·
Balance inquiry at an ATM Rs4.67 in Pakistan, Rs150 abroad Local fee includes tax
International card transaction $0.25 On successful and failed transactions
International payment through Alipay+ 2.85% ·
Account reinstatement Rs1,100 ·
Account unlock by in-app biometric verification Rs99 Includes tax
Wallet upgrade by in-app biometric verification Rs60 Includes tax
Chargeback through Visa Resolve Online $2 Merchant refunds are free
Official website: nayapay.com
Source: nayapay.com
Date checked: October 19, 2026

Service	Charge	Note
Sign-up	Free	July–December 2026 schedule
Annual fee	Free ·
Transfer to another NayaPay account	Free ·
Transfer to a bank account through Raast	Free ·
Transfer to a bank account through 1LINK	Free up to Rs25,000 a month, then 0.1% (maximum Rs200)	July–December 2026 schedule
Unload to linked bank account	Free ·
Load from linked bank account or through Raast	Free ·
Over-the-counter deposit at participating bank branches	Up to Rs23 ·
Load at NADRA e-Sahulat	Rs1.8 to Rs16.8, by amount (up to Rs25,000)	1LINK network fees
Visa virtual card	Rs600	Includes tax
Visa physical card	Rs1,000	Includes delivery and tax
PayPak card	Rs1,808	Includes delivery and tax
ATM cash withdrawal in Pakistan, debit card	Rs35	Includes tax; any bank's ATM
Cash withdrawal at Meezan Bank ATMs, biometric	Rs50 ·
ATM cash withdrawal abroad	Rs200 ·
Balance inquiry at an ATM	Rs4.67 in Pakistan, Rs150 abroad	Local fee includes tax
International card transaction	$0.25	On successful and failed transactions
International payment through Alipay+	2.85% ·
Account reinstatement	Rs1,100 ·
Account unlock by in-app biometric verification	Rs99	Includes tax
Wallet upgrade by in-app biometric verification	Rs60	Includes tax
Chargeback through Visa Resolve Online	$2	Merchant refunds are free

Questions

Does NayaPay charge for bank transfers?

Transfers through Raast are free. Transfers through 1LINK are free up to Rs25,000 a month, then 0.1% with a maximum of Rs200, under the July–December 2026 schedule.

How much does a NayaPay ATM withdrawal cost?

Rs35 at any bank’s ATM in Pakistan with the debit card, Rs50 at Meezan Bank ATMs through biometric verification, and Rs200 at ATMs abroad.

How much does a NayaPay card cost?

Rs600 for a Visa virtual card, Rs1,000 for a Visa physical card and Rs1,808 for a PayPak card. The physical card prices include delivery.

Is there a sign-up or annual fee on NayaPay?

No. Both are free.

Source: each wallet’s own website, terms and schedule of charges, and the State Bank of Pakistan. Every listing shows its source link and the date we checked it; figures checked more than 90 days ago are marked “May be outdated”. See our methodology.