SadaPay offers personal accounts but no multi-currency balance holding. Get an in-depth review of what you can and cannot do with SadaPay
Key takeaways
- SadaPay offers personal accounts with physical and virtual Mastercard debit cards
- Domestic bank transfers and inbound remittances are charged at zero, while international card transactions incur a fee of up to 6% plus a fixed charge for transactions of PKR 800 or less
- The World Account is a multi-currency account designed for businesses who want to send, receive, hold and convert foreign currencies
SadaPay provides personal financial services through its mobile app, including domestic transfers, bill payments, mobile top-ups and foreign currencies received from abroad.3
But, SadaPay is focused on personal banking rather than business banking or multi-currency account services. Its account does not support holding foreign-currency balances and all international transactions carry a fee of 6% + a fixed charge on transactions below PKR 800.4 In this guide, get a full rundown SadaPay and also explore a multi-currency account by WorldFirst.
What is SadaPay?
SadaPay is a Pakistan-based digital financial services provider regulated by the State Bank of Pakistan.5 It provides personal accounts through its mobile app, alongside physical and virtual Mastercard debit cards.3,6
The service is available to customers in Pakistan and also supports sign-up from abroad, subject to its eligibility and documentation requirements.3 Customers signing up from Pakistan can use a CNIC and selfie, while customers abroad can use an international mobile number and a NICOP or Pakistan Origin Card (POC).3
Quick look: Pros and considerations of SadaPay
| Pros |
Cons |
- Zero account opening and annual charges4
- Zero inbound remittance charges4
- Physical and virtual Mastercard debit cards available3,6
|
- Not a multi-currency business account
- No foreign currency balance holding
- International card transactions carry a fee of up to 6% plus a fixed charge on transactions of PKR 800 or less4
|
Features of SadaPay
International money transfer
SadaPay lets users receive money from abroad and make inbound and outbound local bank transfers.3 It also supports international card transactions and ATM withdrawals.3
Debit card
SadaPay provides a Mastercard debit card for local, online and international payments.3,6 Customers can access both physical and virtual card options.3 The card can be used worldwide at merchants that accept Mastercard, including online platforms such as Amazon Seller, Netflix and AliExpress.6
The first physical Mastercard costs PKR 1,724, while virtual Mastercard issuance cost is zero.4 Physical card replacement also carries a cost of PKR 1,724.4
Domestic transfers and bill payments
SadaPay supports instant money transfers to banks and wallets in Pakistan.3,4 The platform also supports bill payments and mobile top-ups.3 SadaPay states that customers can pay bills from more than 900 billers and top up mobile balances across GSM networks.3
SadaPay fees
| Fee type |
SadaPay fees4 |
| Account opening |
Zero |
| Annual charge |
Zero |
| Monthly/mobile banking fees |
Zero |
| Inbound remittances |
Zero |
| Local bank transfers |
Zero |
| Physical Mastercard issuance |
PKR 1,724 |
| Virtual Mastercard issuance |
Zero |
| International card transaction up to PKR 800 |
PKR 55 + 6% |
| International card transaction above PKR 800 |
6% |
| Local ATM withdrawal |
PKR 35 |
| International ATM withdrawal |
PKR 250 |
*Fees checked in August 2026
How to open a SadaPay account
- Download and register: Start the application in the SadaPay app
- Submit documents: Provide a CNIC and selfie in Pakistan, or an international number and NICOP/POC from abroad
- Verify: Complete verification and wait for activation. Sign-up takes less than two minutes in Pakistan
The World Account: Built for global businesses
The World Account is a multi-currency account from WorldFirst, an international payments provider, designed for businesses that make and receive cross-border payments. It supports local currency account details in 15+ currencies, including USD, GBP, EUR, CNH and AUD. These local account details allow businesses to receive payments in supported currencies as if they had a local account in that currency.
Businesses can also send payments across 200+ countries and receive payments from 130+ marketplaces and payment gateways, including Amazon, Shopify, Stripe and Etsy. The World Account is also linked to a virtual card, the World Card. It is a Mastercard-powered business payment card supporting payments in 150+ currencies. Payments in any of the 15 supported currencies carry no fees when sufficient funds are held in that currency.
Key features of the World Account
- Transfers between World Account holders cost zero and are instant
- Businesses can access up to 20 multi-currency cards at no extra cost
- The World Account also integrates with Xero and NetSuite for reconciliation
- For businesses sourcing from Chinese suppliers, World Pay is the authorised international payment provider for sourcing from 1688.com
| Fee type |
World Account |
| Account opening |
Zero |
| Monthly account fee |
Zero |
| Opening local currency accounts |
Zero |
| Receiving payments |
Zero |
| Holding funds in multiple currencies |
Zero |
| Sending to other World Account holders |
Zero |
| Sending to other accounts |
Standard payment fee for Pakistan and Bangladesh is 1.5% |
| Currency conversion |
Zero for payments in 15+ supported currencies (with sufficient balance) |
| Paying 1688.com suppliers |
Up to 0.8% currency conversion fee |
| World Card issuance |
Zero for up to 20 cards |
*Fees checked in August 2026
FAQs
1. What is SadaPay and how does it work?
SadaPay is a Pakistan-based digital financial services provider offering personal accounts, Mastercard debit cards, domestic transfers, bill payments, mobile top-ups and inbound remittances.3
2. Is SadaPay available in Pakistan and other countries?
SadaPay is based in Pakistan and allows customers abroad to sign up using an international mobile number and a NICOP or Pakistan Origin Card, subject to its eligibility requirements.3
3. Does SadaPay offer a business account?
No. SadaPay’s offering is focused on personal accounts and does not offer multi-currency or business account.3
4. Can I hold foreign currencies in SadaPay?
No. SadaPay does not provide multi-currency balance holding or foreign-currency account balances. Its offering is centred on personal financial services rather than multi-currency account features.3
Sources
- https://sadapay.pk/blogs/sadapay-granted-in-principle-approval-from-state-bank-to-launch-e-money-institution-in-pakistan
- https://sadapay.pk/blogs/weve-raised-our-seed-round
- https://sadapay.pk
- https://sadapay.pk/soc
- https://sadapay.pk/blogs/weve-finally-gotten-our-license
- https://help.sadapay.pk/en/articles/7899452-where-can-i-use-my-sadapay-debit-cards
This article is intended for informational purposes only and does not constitute legal advice or professional advice. This article should not be regarded as constituting an offer or a solicitation to buy or sell any regulated or financial products or services. WorldFirst makes no representations or warranties regarding the accuracy, completeness, or applicability of the content, and readers are encouraged to consult with legal professionals or other professionals for advice tailored to their specific situation. WorldFirst does not guarantee the accuracy and completeness of this article and expressly disclaims any and all liability to any person in respect of the consequences of anything done or omitted to be done wholly or partly in reliance on this article.
