NayaPay review

The monthly fee on the account is PKR 0, so there is nothing to pay for keeping the card active. That puts it level with bunq at €0 and Wise at £0, and below a card that charges a monthly sum for its account.

NayaPay issues a debit card, so spending comes from money already in the account instead of building a balance to repay later. Card type on the profile is debit, which keeps the arrangement simple for people who would rather not manage a credit card.

The card runs on visa, and the network named on the profile is visa. That acceptance is the common one among the compared cards, so NayaPay works in ordinary shops, at cash machines and on online checkouts without a separate arrangement.

A virtual card is listed among the virtual card and travel features, alongside travel. The physical debit card covers everyday spending, and the virtual version suits online bookings and subscriptions where handing over a physical card is awkward.

NayaPay charges PKR 0 a month, against €0 at bunq, £0 at Wise and $0 at Varo Believe Secured Credit Card. They sit at the same level, so the choice turns on currency and card type rather than cost.

Retail losses across the site run at 70.15%, reaching 74.5% at the top of the range. Because the card is debit, the money at risk is the balance you have loaded, so keeping it to everyday spending is sensible.

Free cash withdrawals are not the norm in the debit card ranking, where the allowance is €0 and the upper end is €150. Treat withdrawals as a cost to confirm, since the listed virtual card and travel features cover virtual cards and travel only.

Travel is listed among the virtual card and travel features, so the card is aimed at spending abroad. Currency conversion fees across the compared debit cards sit at 1%, with a lower quartile of 0%, so charges on holiday spending add up fast.