Sapthan PayYour home bank,
wherever you live.
Sapthan Pay lets people living abroad securely view their home bank accounts, pay bills, recharge mobiles, and manage finances across countries — from a single app.
Thanks — we'll email you when Sapthan Pay opens.
Couldn't submit — email us directly at business@sapthan.com.
Be first in when we open sign-ups. No spam, ever.
Live mid-market rates. No hidden fees.
Type an amount and see exactly what lands, side by side with what a typical bank would charge you. The rate you see when you confirm is the rate you get.
- Every fee shown before you confirm — never after
- Our margin on the rate is disclosed at the moment you convert
- No local SIM needed to check a rate or plan a transfer
Example rates for illustration — live rates and fees are shown in the app at the time you convert.
Everything your home bank needs an app in the room for.
One place for the money errands that get harder the moment you move abroad.
Link your home bank
See your balance from abroad. Read-only, consent-based, and authorised on your bank's own page — never ours.
Convert & transfer
Live mid-market rates, transparent margins, and a running tally of what you save versus a typical bank.
Bills, recharge & loans
Pay electricity, top up a mobile number, or keep a loan repayment on schedule — with reminders before due dates.
Send & request money
Move money to your own accounts, send to family, or request a payment — with every transaction logged for you.
Four steps, and your bank comes with you.
Tell us where you live, and where you bank
Set your current country and your home country once — it sets the currencies, billers and banks you'll see.
Authorise on your bank's own page
Consent opens in your phone's browser, on your bank's site. Your password never passes through us.
See your balance, live rates included
Every figure is timestamped with when it was last fetched — no guessing whether it's current.
Pay, top up, or transfer — with your PIN
Every payment needs your transaction PIN. Nothing moves silently, ever.
Built to hold your bank details like they're not ours to lose.
The same standard we'd want for our own accounts.
We never see your banking password
Authentication happens on your bank's own page. By design, we don't receive your password, PIN or one-time code.
Your PIN is never stored in readable form
Only a salted, deliberately slow one-way hash is kept — it cannot be reversed to recover your PIN.
Screenshots & screen recording blocked
Your balance stays out of the recent-apps preview too — on devices behaving normally.
Device-bound identity
Your verified identity ties to the device you verified on — a stolen password alone can't move money from a new phone.
App lock, on by default
Your phone's own fingerprint, face, pattern or PIN — and the app re-locks itself after a short time in the background.
Encrypted, everywhere it matters
Data encrypted in transit and, on device, using your phone's own security hardware.
Every screen, built around one question: what's happening with my money right now?
We're not a bank — and we're in pre-release testing right now.
Sapthan Pay doesn't hold your money, issue accounts, or lend. Every payment is executed by a licensed provider — your own bank, a regulated account-information provider, or a bill-payment network — and that provider's record is the one that governs.
Sapthan Pay is currently in sandbox testing: no money moves yet, balances and bills shown are simulated, and bank linking opens as we roll it out. Operated by Sapthan AI and IT Solutions Private Limited, Hyderabad, India (CIN: U62099TS2026PTC219322).
Before you ask.
Is Sapthan Pay live yet? +
Not quite. We're in pre-release sandbox testing — no real money moves, and bank linking isn't available yet. Join the waitlist and we'll tell you the moment it opens.
Do you ever see my banking password? +
No. Authorisation happens on your own bank's page, opened in your phone's browser. By design, we don't receive your password, PIN or one-time code, and we never store them.
Which countries will be supported? +
Sapthan Pay connects a home bank account in India with your life in Europe — link an Indian account, and see and manage it from wherever you're living in Europe. We'll add more countries as we go, but Europe ↔ India is what we're launching with.
Can I send money out of an Indian account to abroad? +
Outbound cross-border transfers from Indian accounts aren't available — that money has to pass through an Authorised Dealer bank under FEMA and the Liberalised Remittance Scheme. An Indian account can still pay Indian bills, recharge Indian numbers, repay loans, and receive money.
Is Sapthan Pay a bank? +
No. We don't hold your money, issue accounts, or lend. Every transaction is executed by a licensed provider, and their record is the regulatory one — ours simply mirrors it for your convenience.
Get in before it opens.
Join the waitlist and be first to link your home bank when Sapthan Pay launches.
Thanks — we'll email you when Sapthan Pay opens.
Couldn't submit — email us directly at business@sapthan.com.
Be first in when we open sign-ups. No spam, ever.