SadaPay review

SadaPay charges a monthly fee of PKR 0 on its debit account, so keeping the account open costs nothing. What does cost money is converting between currencies at 6% each time, so a business paying overseas suppliers pays that rate repeatedly, while one spending only in Pakistan does not.

Currency conversion costs 6% at SadaPay, which places it at 233 out of 237 brands on that measure. A typical conversion fee across the site runs at 1%, so keeping several balances is reasonable as long as you are not moving money often.

The account is regulated by the State Bank of Pakistan, and it is run by Sadapay Private Limited, a company founded in 2018 and based in Pakistan. What sits behind the card is a debit account on mastercard, so read the current terms to see how the regulator treats a balance before you fund it.

It is a debit card running on mastercard, so it is accepted wherever that network is taken at home and abroad. Among the listed features are multi currency and virtual card, so a business can add a virtual card for online subscriptions and set up multi-currency balances.

Balances can be held in 15 currencies, and multi-currency sits among the listed features. The limit is not the count, it is the cost of switching: each conversion costs 6%, so the set works well for currencies you invoice in and poorly for daily trading between them.

Support runs on email, chat and phone, so you can reach the team by phone or chat as well as by email, and the help centre answers questions in writing. That help centre is also the place to check how a conversion or a card block is treated before you raise a dispute.

It is built for business use rather than personal banking, and the feature list follows that: multi-currency balances for paying suppliers and a virtual card for software subscriptions. Someone spending only in Pakistan will find it cheap, while a business converting often will meet the 6% charge every time.