MOCO review
Updated October 13, 2026 · VaultCue Editorial Team
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Our verdict
MOCO serves Nepal as a card based mobile wallet for everyday payments and travel spending. For travellers and residents who manage bills, mobile top ups and flight tickets by phone, it links several cards through six networks serving thousands of local businesses.
Key facts
- Best for
- Mobile payments and travel spending in Nepal
- Monthly fee
- NPR 0↗
- Transfer fee
- No charge for MOCO app payments; Rs. 5 only for traffic fine payments↗
- Legal entity
- FOCUSONE Payment Solutions Pvt. Ltd.↗
- Headquarters
- Nepal↗
- Support channels
- Email, Phone, Help-centre↗
- Audience
- Travelers, Business
- Pricing model
- No monthly fee
- Features
- Digital-only
- Official website
- moco.com.np
Money transfer
Facts checked September 26, 2026, 3 sources
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- LinkedInyoutube.com
Pros and cons
Pros
- Connects six payment networks through one code for local spending
- Covers utility bills, mobile top ups and flight tickets in one app
- Links multiple debit and credit cards with spending tracking included
- Travel wallet helps visitors pay like locals across Nepal
Cons
- Focused on Nepal, so usefulness drops outside that market
- Use depends on cards already held by the customer
Ready to try MOCO?
Who it suits
- Travellers wanting local style payments in Nepal
- People managing bills, top ups and tickets by phone
Who should look elsewhere
- People who prefer branch based banking
How MOCO compares
Where MOCO is available
- Available
- India, Nepal
- Licence in Nepal
- Nepal Rastra Bank (NRB) - Payment Service Provider (PSP), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does MOCO offer for everyday use?+
MOCO offers a card based mobile wallet and a travel wallet for spending across Nepal. It supports utility bills, mobile top ups and flight ticket booking in one place. Customers link existing cards and use the app for everyday and travel payments.
Where can MOCO be used?+
MOCO can be used across Nepal for everyday payments and travel spending. It serves residents and visitors who want to pay like locals. Participating businesses of many sizes accept its single code, including for cross border customers.
How does the MOCO wallet work in plain terms?+
Customers add multiple debit and credit cards to the MOCO app. Linked cards can settle bills, book flight tickets and arrange top ups. Spending can be tracked inside the app, which keeps daily payment activity together.
Who is MOCO suited to?+
MOCO suits travellers visiting Nepal and residents managing regular phone based payments. It also suits merchants who serve international customers and want cross currency acceptance. People who prefer handling bills, tickets and top ups in one app may find it practical.
Does MOCO charge a monthly fee?+
The monthly fee at MOCO is NPR 0. (Source, checked September 26, 2026)
Which company operates MOCO?+
MOCO is operated by FOCUSONE Payment Solutions Pvt. Ltd.. (Source, checked September 26, 2026)
Where is MOCO based?+
MOCO is based in Nepal. (Source, checked September 26, 2026)
How can I contact MOCO support?+
MOCO offers support through Email, Phone, Help-centre. (Source, checked September 26, 2026)
Sources
- moco.com.np checked September 26, 2026
Backs: Audience
“Become a MOCO Merchant and accept payments from tourists from more than 70+ countries.”
- moco.com.np/fees-and-charges checked September 26, 2026
Backs: Pricing model, Monthly fee, Transfer fee, Fee to send 1,000
“MOCO offers most of the services without any additional charges to date.”
- moco.com.np/terms-of-services-travel-wallet checked September 26, 2026
Backs: Features, Headquarters, Legal entity, Support channels, Licences
“The Company owns and operates the MOCO Travel Wallet ("MOCO" or "the Service") available on Android and iOS platforms. ... MOCO operates a direct card-adding model with no stored wallet balance.”
- moco.com.np/travellers checked September 26, 2026
Backs: Delivery time, Payout methods
“With MOCO Travel Wallet, you can pay instantly using your debit/credit cards at thousands of places that accept Nepali QR codes.”
Compiled from 4 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection, Currency conversion fee, Currencies.
Related by the facts
Guides
MOCO
Mobile payments and travel spending in Nepal