NayaPay review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
NayaPay is a debit account at PKR 0 a month, with a virtual card and travel in the feature list, which sets it apart from credit cards. It suits people who want a simple spending card, with a virtual card for online payments, and no credit line.
Key facts
- Best for
- A debit account costing PKR 0 a month, with a virtual card and travel in the feature list.
- Monthly fee
- PKR 0 (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Card network
- Visa (Source, checked September 26, 2026)
- Features
- Virtual card, Travel
- Official website
- nayapay.com
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- The monthly fee is PKR 0, matching the €0 recorded across the cards compared here, where the highest reaches €99.
- It is a debit card on visa, the network behind 58.6% of the cards compared.
- The feature list, virtual card and travel, covers a virtual card and travel use in the same account.
Cons
- The features listed, virtual card and travel, do not include multi-currency, which appears on 34.9% of the cards compared here.
- It is a debit account, so there is no credit line to borrow against, unlike Varo Believe Secured Credit Card and Chime Card (Secured Visa Credit Card).
- The monthly charge is the same as the alternatives at PKR 0, £0 and $0, so cost is not the deciding factor.
Who it suits
- People who want a debit account that costs PKR 0 a month and does not rise with use.
- Travellers who want a virtual card in the same account, since virtual card and travel covers online payments and trips.
- Readers who want a visa card for acceptance abroad, the network behind 58.6% of the cards compared.
Who should look elsewhere
- Anyone who wants to borrow: NayaPay is a debit account, so Varo Believe Secured Credit Card or Chime Card (Secured Visa Credit Card) suit readers after a credit line, at $0 and $0 a month.
- Readers who want multi-currency: that feature sits on 34.9% of the cards compared, while virtual card and travel for NayaPay does not include it, so Wise belongs on the shortlist there.
How NayaPay compares
Where NayaPay is available
- Available
- Pakistan
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the NayaPay account cost each month?+
The monthly fee is PKR 0 on the debit account, so there is no recurring charge to budget for. That sits in line with the €0 recorded across the cards compared here, where the highest monthly fee reaches €99.
Is NayaPay a debit, prepaid or credit card?+
It is listed as a debit card, which means spending draws on the balance you hold rather than a credit line. Debit cards make up 74.3% of the cards compared and the whole of the debit ranking at 100%, while prepaid cards account for 20.4%.
Which network does the card run on?+
The card runs on visa, the same network behind 58.6% of the cards compared here. The rest of the group splits between cards on 38.5% and local-only cards at 2.7%, so a visa card is the wider-reaching choice abroad.
What does the feature list include?+
The listed features are virtual card and travel, so a virtual card and travel sit in the same account. Virtual cards appear on 39.2% of the cards compared and travel on 51.4%, which makes this a card for paying online and spending away from home.
How does the fee compare with the other cards here?+
The monthly fee of PKR 0 is the same charge listed for Wise at £0, Varo Believe at $0 and Chime Card at $0. Nothing separates these cards on monthly cost, so the choice rests on card type, network and features.
How common is this type of card among the brands compared?+
Debit is the norm: 100% of the debit ranking is debit, and prepaid cards account for 20.4% overall. Virtual cards are rarer at 5.3%, though a virtual card does sit in virtual card and travel for NayaPay.
What separates NayaPay from a credit card?+
NayaPay is a debit account, so there is no borrowing to repay and spending comes straight from the balance. Varo Believe Secured Credit Card and Chime Card (Secured Visa Credit Card) build a credit line instead, at $0 and $0 a month.
Sources
- nayapay.com checked September 26, 2026
Backs: Card type, Features, Monthly fee, Card network
“shop globally with a Visa debit card”
Compiled from 1 source page, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
Related by the facts
NayaPay
A debit account costing PKR 0 a month, with a virtual card and travel in the feature list.