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SadaPay review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

SadaPay gives businesses in Pakistan a Mastercard debit card with multi-currency balances, virtual card details and no monthly fee, all run from one mobile app. The monthly fee is PKR 0, while the currency conversion fee of 6% sits near the bottom of the 258 brands compared.

Key facts

Best for
A business in Pakistan wanting a no monthly fee Mastercard debit card with several currencies in one balance.
Monthly fee
PKR 0↗
Currency conversion fee
6%↗
Card type
Debit↗
Card network
Mastercard↗
Currencies
15↗
Legal entity
Sadapay Private Limited↗
Headquarters
Pakistan↗
Founded
2018↗
Support channels
Email, Chat, Phone, Help-centre↗
Features
Multi-currency, Virtual card
Audience
Business
Official website
sadapay.pk

Credit cards

Pricing model
No monthly fee

Savings

Access terms
Mobile app account with biometric (fingerprint or Face ID) and OTP access, 24/7 in-app chat support↗
Account kind
Easy access↗

Facts checked September 26, 2026, 5 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
LinkedInXTrustpilot

Pros and cons

Pros

  • There is no monthly fee, with PKR 0 matching bunq at €0 and Wise at £0.
  • 15 currencies sit in one easy access account, with multi currency and virtual card covering how you spend from them.
  • Support runs on email, chat and phone, and in-app chat is available around the clock.
  • Regulated by the State Bank of Pakistan, with Sadapay Private Limited as the operating company.

Cons

  • A currency conversion fee of 6% leaves SadaPay near the bottom of the 258 brands compared, at 255, so frequent swaps are costly.
  • Balances cover 15 currencies, so a business trading beyond that list needs a second account.
  • The debit card sits on mastercard alone, leaving no other network to fall back on.
SadaPay

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Scored 8.5 / 10 by SumCue.

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Who it suits

  • A business in Pakistan that wants a no monthly fee Mastercard debit card for everyday spending.
  • Sellers paid from abroad who can live with 6% each time they convert.
  • Readers weighing bunq or Wise, since the monthly fee of PKR 0 is the same at all of them.

Who should look elsewhere

  • Frequent currency swappers: Wise may fit better when the 6% SadaPay conversion fee is paid on every trade.
  • Credit card borrowers: Varo Believe Secured Credit Card covers that need, while SadaPay issues a debit card.
  • Readers in the UK or Europe after a euro account: bunq charges €0 and Wise £0, and SadaPay is based in Pakistan.

Who runs it

SadaPay is operated by Sadapay Private Limited, headquartered in Pakistan and founded in 2018. The business is regulated by the State Bank of Pakistan. Customer support runs on email, chat and phone, which covers email, chat, phone and a self-service help centre, so account questions can be raised in writing or by voice.

How SadaPay compares

Where SadaPay is available

Available
Pakistan
Licence in Pakistan
State Bank of Pakistan, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does SadaPay cost to keep each month?+

The monthly fee is PKR 0, and SadaPay runs on a no monthly fee model, so there is no regular account charge to budget for. Bunq and Wise list a monthly fee of €0 and £0, so the running cost is the same. With SadaPay the money that matters is the conversion charge, not the account itself.

What does SadaPay charge to convert currency?+

SadaPay charges 6% on currency conversion, high next to the 10.5% top of the market range, and it ranks at 255 of the 258 brands compared. An account holder who pays suppliers or receives income in another currency will pay it repeatedly, which is worth weighing before opening the account.

Who runs SadaPay and which regulator oversees it?+

SadaPay is operated by Sadapay Private Limited, based in Pakistan, and it is regulated by the State Bank of Pakistan. The company has been building the account since 2018. Access runs through the mobile app with biometrics and a passcode, and support is offered on email, chat and phone.

What kind of card does SadaPay issue?+

The card is debit on the mastercard network, so it spends money already in the account rather than lending it. multi currency and virtual card also covers virtual card, which is handy for a single purchase or a recurring subscription. It is a holding and spending card rather than a borrowing one.

How many currencies can one SadaPay account hold?+

You can hold 15 currencies in the same account, with multi currency and virtual card covering how you spend from them. The account is listed as easy access, so balances are meant to be moved on demand rather than tied to a term. Virtual card details also let you shop without sharing the main card number.

Who is the SadaPay account aimed at?+

SadaPay is built for business accounts, so freelancers, small companies and sellers paid from abroad fit the product better than general personal banking. Readers who want an everyday consumer card, or a borrowing product, are looking elsewhere, and a secured credit card such as Varo Believe Secured Credit Card may serve that need instead.

How do you get help if a payment goes wrong?+

Support runs on email, chat and phone: email, chat, phone and a help centre. In-app chat is available around the clock, so a blocked payment can be sorted quickly without waiting for opening hours. Account access itself is handled in the mobile app with biometrics and a passcode.

Sources

  • help.sadapay.pk checked September 26, 2026

    Backs: Support channels

    “Email support, Chat support, Phone support, Help center articles available”

  • sadapay.pk checked September 26, 2026

    Backs: Access terms, Audience, Card type, Features, Headquarters, Legal entity, Card network, Licences

    “Swift Access - Use fingerprint or Face ID for quick and easy access to your account information.”

  • sadapay.pk/blogs/how-to-pay-for-chatgpt-plus-in-pakistan-... checked September 26, 2026

    Backs: Currencies

    “15 supported currencies carry no fees when sufficient funds are held”

  • sadapay.pk/soc checked September 26, 2026

    Backs: Account kind, Currency conversion fee, Pricing model, Monthly fee

    “Minimum Balance Requirement - None”

  • tracxn.com/d/companies/sadapay/__hN3Ky3DFL1wpR4MQRFIZTZ_I... checked September 26, 2026

    Backs: Founded

    “SadaPay was founded in 2018”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Free ATM withdrawals, Protection.

Related by the facts

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A business in Pakistan wanting a no monthly fee Mastercard debit card with several currencies in one balance.

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