When it comes to digital wallets and money transfer services, finding an app with low transaction fees is crucial for users who frequently send or receive money. In Nepal and beyond, eSewa has been a popular choice for many, but it’s not the only option available. If you’re looking for alternatives that offer competitive rates and minimal charges, here are some top apps to consider.
1. Khalti
Khalti is one of the leading digital wallet and payment gateway platforms in Nepal, offering a wide range of services including mobile recharges, utility bill payments, and online shopping . It competes closely with eSewa and provides a user-friendly interface that makes transactions quick and hassle-free. While Khalti does charge a small fee per transaction, it remains a cost-effective alternative for many users.
2. Remitly
For those sending money internationally, especially digital nomads, Remitly stands out as a reliable and affordable option. With flexible transfer options and low fees, Remitly ensures great exchange rates across more than 100 currencies. One major advantage is that recipients do not pay any fees, making it a transparent and budget-friendly service .
3. WireBarley (in partnership with eSewa)
WireBarley offers a unique proposition by allowing users to send money to Nepal at zero fees when using eSewa as the receiving platform. This collaboration significantly reduces the overall cost of international transfers, making it ideal for people regularly sending funds to friends or family in Nepal .
4. Instarem
Instarem is another solid option for international money transfers, supporting over 55 countries with low transfer fees and no hidden charges . The app prides itself on offering zero-margin exchange rates, which means users get more value from every transaction without worrying about unexpected costs.
5. PayPal
Although not as widely used in Nepal as local apps like eSewa or Khalti, PayPal remains a globally recognized name in digital payments. Known for its security and ease of use, PayPal can be a good alternative for users engaging in international transactions, particularly for online purchases or business purposes .
What to Consider When Choosing an Alternative
Before settling on an app, it’s important to compare both the fees and exchange rates, as some apps may appear cheaper initially but end up costing more due to unfavorable currency conversion . Also, consider the availability of services in your region, user experience, and additional features such as mobile top-ups or bill payments.
If you’re based in Nepal or sending money there, Khalti and eSewa remain dominant players, but they do come with merchant enrollment fees and per-transaction charges . For broader reach and lower international fees, apps like Remitly and Instarem offer better value.
Final Thoughts
While eSewa is a trusted name in Nepal’s digital wallet space, exploring alternatives like Khalti, Remitly, Instarem, and even PayPal could help you save money and enjoy a smoother transaction experience. Whether you’re sending money abroad or managing everyday payments locally, choosing the right app depends on your specific needs, frequency of use, and destination country.
Always remember to compare services using tools like CompareRemit , and don’t hesitate to switch if a better option becomes available.
