Finja

OPay Digital Services Limited

About this app

Apply for FINJA Card backed with Credit Line

Finja App is a one stop financial solution for individuals, merchants and small businesses that addresses everyday payment and credit needs. Finja is an authorized electronic money institution regulated by the State Bank of Pakistan.

Finja App makes it incredibly easy for employees of businesses to receive salaries in their Finja account and

Apply for instant loans from Finja partner institutions
Make payments to friends and family anytime, anywhere
Add money to your wallet by simply submitting a request for Cash-In at doorstep
You can add money by visiting nearby agents or any Internet Banking facility
Pay your Utility bills and Recharge your network within few clicks
Save your recipients in Quick Pay for performing future transactions in less clicks
Make QR payments with the built in QR scanner
Shop online from hundreds of merchants
Remotely manage work chores like:
An employee can apply for leaves
An employee can extract salary slips
An employee can view their attendance
An HR/Line Manager can approve leaves
An HR/Line Manager can view employee’s attendance
An HR can approve expenses
An HR can process salaries
Set a secure Login PIN or simply add bio metric authentication
Keep a record of your account’s activity in the Activity Feed
Real-time notifications whenever you send or receive funds

Download now and sign up using your mobile phone number and CNIC!

Ratings and reviews

The app is misleading. During account creation, it gives the impression that the debit card is free. However, after completing the signup process, it turns out that the debit card is actually paid. This information should be clearly disclosed upfront before users invest their time and complete verification. Transparency is very important for financial apps, and hiding charges until the end creates distrust. The app experience could be better if pricing and card fees were clearly mentioned from t

I used this app for transactions and deposited PKR 20,000 into my account. Later, the app restricted my access and asked for account verification. Even after providing the required details, my account was not verified, and my money is now stuck. There was no clear warning before depositing money, and the app allowed me to add funds without proper verification. Now, customer support is not responding properly, and I am unable to withdraw or use my balance. This appears to be fraudulent behavior.

My Finja account is blocked due to a biometric error while trying to update my account limit. When I tap “Update Account Limit,” a “Please wait” message flashes briefly and nothing happens. Money in my account is stuck. I have contacted Finja on all platforms but received no response. Please resolve this issue and unblock my account urgently, otherwise I will have to file a complaint with the State Bank of Pakistan (SBP).