Is NayaPay free to use?

The core of it, yes, in NayaPay's own words: the account is free to open and keep, transfers between NayaPay users are always free, and the Visa debit card is free with no annual fee and no SMS surcharge. The costs start where the free allowances end, chiefly ATM withdrawals beyond the ten free ones each month.

How many free ATM withdrawals does NayaPay give?

Ten a month, and the detail matters: five free withdrawals at UBL ATMs plus five at Bank Alfalah ATMs, per NayaPay's partnerships. At any other bank's ATM, or beyond the free ten, NayaPay says standard fees apply, and the 1-Link network standard the other wallets print is Rs 35 per withdrawal.

What is the NayaPay account limit?

On the initial tier: Rs 50,000 monthly incoming, Rs 10,000 daily cash withdrawal, Rs 50,000 daily transfers. After upgrading, through the app or biometrics at any Meezan Bank ATM, the caps rise to Rs 400,000 monthly incoming, Rs 50,000 daily cash and Rs 200,000 daily bank transfers. These are SBP EMI tiers, so a salary above Rs 50,000 needs the upgrade before the first payday, not after the bounce.

Why did my incoming transfer to NayaPay fail?

Almost always the monthly incoming limit: Rs 50,000 on an unupgraded wallet, counted across the calendar month. If your account has already received that much, further transfers bounce until the month rolls over or you upgrade, which lifts the cap to Rs 400,000. The upgrade is free and takes minutes in the app.

Can I use my NayaPay card internationally?

Yes, the Visa card works abroad and online internationally, within the SBP's annual cap of USD 30,000 of card-based international transactions per person, meant for personal use only. Foreign ATM and FX charges follow the schedule of charges, so check the in-app schedule before travelling rather than assuming the domestic free allowances apply.

NayaPay or SadaPay, which is cheaper?

For cash, NayaPay: ten free ATM withdrawals a month against SadaPay's Rs 35 from the first. For plastic, NayaPay again: its physical Visa is free while SadaPay's physical card costs Rs 1,724. For pure bank transfers both are free, though SadaPay has no daily quota while NayaPay caps at Rs 200,000 a day after upgrade. Heavy cash users lean NayaPay; online-only users find them nearly identical.

NayaPay Fees & Account Limits 2026: 10 Free ATM Withdrawals

NayaPay publishes very few numbers, but the ones it does publish are unusually generous, and the limits table that actually governs your wallet lives in its help centre rather than the fee schedule. Everything below is read from NayaPay's own site and help centre on 2 September 2026; its current Schedule of Charges covers July to December 2026.

The fees NayaPay states in its own words

Item	Charge
Account opening and keeping	Free
NayaPay to NayaPay transfers	"always free"
Visa debit card	Free, no annual fee, no SMS surcharge
ATM withdrawals at UBL ATMs	5 free per month
ATM withdrawals at Bank Alfalah ATMs	5 free per month
Beyond the free ten, or other banks' ATMs	"standard fees apply"

That ATM arrangement is the single best cash deal on any Pakistani wallet: ten free withdrawals a month, five at each partner bank's machines, where every competitor charges the flat Rs 35 network fee from the first withdrawal. NayaPay does not print the fee that applies beyond the free ones; on the 1-Link network the standard that EasyPaisa, JazzCash and SadaPay all pass through is Rs 35, so budget that.

The limits table nobody reads until a transfer bounces

Wallet limits are SBP EMI regulation, not marketing, and NayaPay publishes its tiers plainly:

Limit	Initial	Upgraded
Monthly incoming	Rs 50,000	Rs 400,000
Daily cash withdrawal	Rs 10,000	up to Rs 50,000
Daily in-store payments	Rs 50,000	Rs 400,000
Daily NayaPay-to-NayaPay	Rs 50,000	Rs 200,000
Daily transfers to banks	Rs 50,000	Rs 200,000
Daily merchant payments	Rs 50,000	Rs 400,000
Monthly foreign remittance	Rs 50,000	up to Rs 1,500,000

The initial tier is tight on purpose: a salary above Rs 50,000 will bounce off the monthly incoming cap in week one. Upgrade before you need it, in the app or by biometric verification at any Meezan Bank ATM, and the caps multiply by four to eight.

Two more regulatory lines worth knowing: card-based international transactions are capped by the SBP at USD 30,000 per year across your cards, and that allowance is for personal use, not business payments.

Where NayaPay sits against the other three wallets

Cash: NayaPay wins outright with 10 free ATM withdrawals; SadaPay charges Rs 35 from the first, and EasyPaisa/JazzCash charge agent slabs or the same Rs 35.
Bank transfers: SadaPay's unlimited free transfers edge NayaPay's daily Rs 200,000 cap, but for most users both are effectively free. The rail itself is free by SBP regulation; the Raast limits and charges guide covers why, and what actually blocks big transfers.
Card: NayaPay's Visa is free including physical; SadaPay's physical MasterCard costs Rs 1,724. If you want free plastic, this is the difference.
Agent cash-in from a shop: neither has it; that remains EasyPaisa and JazzCash territory.

Full schedules for the rest: SadaPay charges, EasyPaisa charges and JazzCash charges.

One honest gap

NayaPay's Schedule of Charges page states its validity, July to December 2026, but its fee table does not render outside the app for us to quote line by line. Everything above is from pages NayaPay itself publishes in plain text; for any figure not listed here, the in-app schedule is the binding document.

NayaPay Fees & Account Limits 2026: 10 Free ATM Withdrawals

The fees NayaPay states in its own words

The limits table nobody reads until a transfer bounces

Where NayaPay sits against the other three wallets

One honest gap

Frequently Asked Questions

Sources & references