For the unbanked & underbanked

Everyday money, within reach

Receive money, make payments and save toward what matters — with a simpler way to manage your finances, whether you are opening your first account or looking for one that works better for you

Everyday
Money essentials
Simple
Getting started
Flexible
Ways to save
Clear
Account requirements

Why we built this

Your circumstances should not define your financial future

From a market stall to a first job, people earn, support their families and build businesses in many different ways. Financial services should reflect that reality, not make everyday money harder to manage.

Distance from a branch, unfamiliar paperwork, irregular income and unclear charges can all stand between someone and a useful account. Having an account is only the beginning — being able to use it confidently is what matters.

Pady starts with everyday needs: receiving money, paying people and putting something aside. Available services, identity checks and account terms depend on your country and the product you use.

Getting started

A clearer path to your everyday account

01

Check what you need

Review the eligibility and identity requirements in the app. Accepted documents and checks depend on where you are.

02

Complete your verification

Follow the identity checks shown in the app, including a selfie where required. These checks help protect your account and meet local requirements.

03

Start with what matters

Once your account is approved, explore the payment and saving options available to you. Check fees and limits before your first transaction.

Fewer barriers, more possibilities

Money services built around real life

A more practical approach to the obstacles that can make financial services feel out of reach

Common barriers
  • Unclear identity requirements
  • Finding time to visit a branch
  • Not knowing what an account costs
  • Financial language that feels unfamiliar
  • An account that does not fit everyday needs
  • Uncertainty about where to find help
The Pady approach
  • See what documents and checks are needed before you start
  • Begin your application digitally, where available
  • Review applicable fees and terms before committing
  • Clear information to help you make informed choices
  • Explore payments and savings in one place
  • Use Pady’s published support channels when you need guidance

What you get

The essentials for your everyday money

Receive and pay

Manage everyday payments and money received through the services available on your account.

Digital access

Use Pady’s supported digital channels. Connectivity and device requirements vary by service.

Clearer information

Understand the next step with accessible product information. Website languages do not determine account eligibility.

More ways to transact

Explore available payment channels and agent services, subject to local coverage and availability.

Save toward a goal

Build a saving habit around your income and priorities, from education to household expenses. Check each product’s terms.

Security that matters

Identity checks and account safeguards help protect access to your money. Keep your credentials private and report suspicious activity.

Know where you stand

Local requirements, clearly explained

Each market we support has its own identity verification (KYC) requirements, set in line with the rules of our licensed banking partners in that region. Eligibility, currencies, fees and limits also vary by country and product — the app shows exactly what applies to you before you open or fund an account.

Identity checksLocal eligibilityProduct terms

Explore more

Support for different stages of life

Get started

Make more of your money

Pay with ease, save towards your goals, and manage your everyday money in one place. Open your Pady account and start today