NayaPay
6.8#60 in money transfer appsFree planFree planAndroidiOSWeb
VisitNayaPay vs Wise
What both publish
| Fact | NayaPay | Wise |
|---|---|---|
| Free plan | Yes | Yes |
| Mobile platforms | both | The Wise app is available for iOS through the Apple App Store and for Android through Google Play. |
| Regulation | NayaPay (Private) Limited is authorised and regulated by the State Bank of Pakistan as an Electronic Money Institution. | Wise states it is authorised by the UK Financial Conduct Authority for issuing electronic money and works with a local bank partner to offer inward remittance service to India with RBI approval. |
| 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. | Wise says it safeguards customer money separately from its own and uses two-step authentication to protect accounts and transactions. |
| 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. | Wise says its customer support is available by email, live chat, and phone, 24/7 in English and in 14 other languages. |
| Transfer speed | instant | On many popular routes, transfers can arrive within one day, the same day, or instantly. |
| Transfer tracking | Yes | The app shows the list and current status of transfers users have set up. |
NayaPay plans
- Personal NayaPay walletFree
Wise plans
- Wise personal account and transfersFree
Pick NayaPay if…
You want what its maker publishes above — check its page for the details.
Pick Wise if…
Wise suits people sending money to overseas bank accounts or receiving payments from abroad. It may also suit users who want to track or schedule transfers and receive exchange-rate alerts.