Mony: UPI for Tourists & NRIs

SMART PAYMENT SOLUTIONS PRIVATE LIMITED

About this app

Experience India Like Never Before with Mony

Discover India without the stress of cash, card issues, or payment barriers.
Mony is your travel payments companion for seamless, cashless payments across India using UPI - online and offline.

From street markets and taxis to Uber, Zomato, restaurants, shopping, and local experiences, Mony lets international travelers pay everywhere locals pay.

No Indian bank account. No Indian SIM card. No hassle.

Mony is built for tourists, NRIs, and OCI card holders visiting India.

1. Unlock the Real India
Pay at millions of merchants across India - from street food stalls and local markets to cafés, restaurants, hotels, and hidden gems.

✓ Shop where locals shop
✓ Eat where locals eat
✓ Experience India beyond tourist limits

2. Pay Everywhere Across India - Online and Offline
Mony works wherever UPI is accepted across India (98%+ merchants).

Pay for:
• Uber, Ola, Rapido
• Zomato, Swiggy
• Blinkit, BigBasket
• Street markets and local shops
• Restaurants, cafés, hotels
• Attractions and travel

Where international cards fail, Mony works.

3. Start in Minutes - No Indian SIM or Bank Needed
Sign up with your international phone number
Use your debit or credit card
Quick set-up
Start paying instantly in India

Powered by UPI, used by over a billion users daily.

Trusted by travelers, NRIs, and OCI card holders from 70+ countries.

4. Your Money, Your Control

✓ Withdraw unused balance anytime
✓ Every payment confirmed before processing
✓ Full transparency on transactions
✓ RBI & NPCI approved wallet

Load what you need. Spend what you want. Take the rest back.

5. Travel Without Cash or ATM Stress

✓ Pay digitally from day one
✓ Skip ATM withdrawal fees
✓ Avoid currency exchange queues
✓ No need to carry cash
✓ Safer travel across India

6. Built for Global Travelers, NRIs & OCI Card Holders

Available in 10 Languages:
English
Spanish
German
French
Japanese
Korean
Chinese
Portuguese
Russian
Italian

✓ 24/7 multilingual support

7. More Reasons Travelers Love Mony

✓ Start paying within minutes of landing
✓ Works where international cards don’t
✓ Real-time payment confirmation
✓ Easy set-up in under 5 minutes
✓ Accepted at millions of UPI merchants
✓ Trusted by travelers, NRIs & OCI card holders
✓ Discover India beyond tourist routes

FAQ

1. Do I need an Indian SIM or bank account?
No. Mony works with your international phone number and debit/credit card.

2. Can NRIs and OCI card holders use Mony?
Yes. Mony is built for NRIs, OCI card holders, and international travelers.

3. Can I use Mony for Uber, Zomato, and other apps?
Yes. Works across Uber, Ola, Zomato, Swiggy, Blinkit, BigBasket, and more.

4. Is Mony safe?
Yes. Mony is RBI & NPCI approved and fully regulated.

5. What happens to unused balance?
You can withdraw it anytime.

Download Mony Today

Pay anywhere. Explore everywhere. Experience India like a local from the moment you land.

Ratings and reviews

The app is slow to launch, slow to scan and works about 80 percent of the time. I have been tripped up in places like for example the Delhi metro where it did not work in the ticket kiosk (at the airport). And you never know when it decides to not work reliably. Eventually I got tired and started to use cash more. Also the app doesn't seem to work with most app based services weirdly enough

I am changing my review to one star. A few days ago, the option to use my UPI disappeared from all the apps. My friend who uses this app is having the same problem. I have sent countless emails and messages begging them to help and have gotten no support. In fact, they keep marking my support requests as resolved due to lack of activity BECAUSE THEY KEEP NOT RESPONDING. Do not use this app. Use Chek. My friend who does has had no problems.

The top up fee is high, but the app is fairly reliable. It gave me trouble a few times. One major problem is that it only works with merchant UPI, not personal UPI, so it can be useless depending on the situation. Most autos take only personal UPI in Kerala at least. I've had a few transactions that failed mysteriously at decisive times, so it is no replacement for cash, but all in all it's probably the best UPI app right now for foreign tourists in India.

What’s new

Major Improvements & bug fixes