Fonepay review

Charges are set out as NPR 10 per inter-bank transaction; free within the same bank, which covers inter bank transactions and transfers within the same bank. The same figure is published as NPR 10 for Fonepay Direct, so the cost is a flat amount per transaction rather than a share of what you send.

Delivery is Instant to a bank account, so money moves across without a waiting period once a payment is accepted. Payouts go to bank accounts, as bank shows, so the receiving bank has to be the destination rather than a wallet or a cash counter.

Payouts cover bank only, so a recipient collects the money through their own bank account. Cash pickup points and wallet destinations are not part of the payout routes listed, which matters if you are paying someone in Nepal without a bank account.

Fonepay runs through Fonepay Payment Service Limited, a company based in Nepal that has been trading since 2019. It is a Nepali service, so its fees, delivery times and payout routes are all framed around bank transfers in Nepal.

For a domestic Nepali bank transfer, yes: the charge is NPR 10 per inter-bank transaction; free within the same bank and delivery is Instant. PayPal Colombia is free from a PayPal balance or linked bank account but adds a percentage plus a fixed card fee on card payments, while Skrill is free on bank transfer and adds a percentage for card funded sends.

Businesses paying staff or suppliers from a Nepali bank account, and households sending money to relatives at other banks in Nepal. Delivery is Instant and the inter bank charge is set out in NPR 10 per inter-bank transaction; free within the same bank, which keeps the cost of each payment easy to predict.

Support covers email, chat and phone, so you can reach a person by phone or chat, or put the question in writing by email or through the help centre. A query about a transfer that is late or sent to the wrong account goes to the same team.

The fees and payouts described are domestic: NPR 10 per inter-bank transaction; free within the same bank is set for inter bank transactions and bank covers bank accounts, with amounts in Nepali rupees. Sending money out of the country calls for a different route, such as PayPal Colombia or Paysera, both of which add charges to international transfers.