Pady - Everything Money

Everything money. One simple app – for you and your business.

Pady brings personal finance and business money management together in one secure app. Send money, pay bills, save, spend, get paid and keep on top of your finances, whether you are managing everyday life, running a side business or leading a growing team.
Open an account in minutes and access practical tools for both personal and business use.
For your everyday money
Manage the day-to-day with less effort.
• Send fast transfers to banks and Pady users
• Get an account number to receive money
• Buy airtime and data, and pay supported utility and service bills
• Review your transactions in one place
• Create and manage supported virtual cards
• Request a physical card where available
• Spend online and in stores wherever your card network is accepted
• Freeze, unfreeze and set limits on your cards instantly

Save for your plans
Set money aside for the things that matter to you.
• Create personal savings goals and vaults
• Automate your savings on a schedule that works for you
• Access eligible flexible and fixed-term savings options
• Follow your savings progress in the app

Savings products, returns, availability and terms vary by location. Check the app for current rates and applicable conditions.

Know your financial position

Pulse gives you a clearer picture of your money.
See your financial health score and receive regular insights into cash flow, spending patterns, saving progress, financial safety net and more. Use practical suggestions to make more informed financial decisions.
Buy and sell with more confidence

Whether you are buying something personally or selling through your business, BuyerShield helps make transactions safer.

Funds are held through Pady until the buyer has inspected and confirmed the item. Share a protected payment link wherever you sell to help reduce issues such as fake payment alerts and unreliable sellers.
Run your business from Pady
Get tools to collect payments, manage operations and understand business performance.
• Create and share professional invoices
• Receive payments through supported bank transfers, cards and QR payments
• Manage payroll and payment records
• View tax and settlement reports
• Track runway, margins and receivables
• Access business insights to support better decisions
• Accept supported payments with your phone, without a separate card reader where available

Built with security in mind

Pady includes security features designed to help protect both personal and business accounts, including biometric login, device binding, encryption and access to human support.

Pady is a technology platform, not a bank. Banking, card, payment and savings services are provided by licensed financial institutions and partners where available. Product availability, eligibility requirements, limits, fees and terms may apply.

Download Pady to manage your personal money and business finances in one place.