Reviews of Mony - UPI for Tourists & NRIs

By: Smart Payment Solutions Private Limited App

List of user reviews and ratings for Mony - UPI for Tourists & NRIs

Total ratings

4.50 (Rating count: 638)

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User Reviews

Recent rating average: 3.00

All time rating average: 4.50

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35% (29)

Date	Author	Comment
2026-08-01	Ha*****	I love this app! It was such a life saver while traveling India on a tourist visa
I love this app! It was such a life saver while traveling India on a tourist visa
2026-07-28	0r*****	They charge if you do not use the account and also when you deactivate it.
They charge if you do not use the account and also when you deactivate it.
2026-07-27	Gi*****	When this app works as intended, it is truly excellent. Unfortunately, however, it is frequently unreliable. From taking forever to load, irrespective of the quality of my connection, to forcing me to login afresh and repeat telephone number verification at point of sale, I find myself spending significant time shrugging my shoulders and apologizing to vendors and people waiting on queue behind me. Sometimes I simple lost patience and pay in cash. It really shouldn't take ten minutes just to spend ₹100
When this app works as intended, it is truly excellent. Unfortunately, however, it is frequently unreliable. From taking forever to load, irrespective of the quality of my connection, to forcing me to login afresh and repeat telephone number verification at point of sale, I find myself spending significant time shrugging my shoulders and apologizing to vendors and people waiting on queue behind me. Sometimes I simple lost patience and pay in cash. It really shouldn't take ten minutes just to spend ₹100
2026-07-27	So*****	I love the app. Works seamlessly for me. They texted me when I landed and within a day I was good to go so not immediately as I wanted but not bad! And using it is so easy I love that! But I do think they could charge less than 3.5 percent?? Can’t they do it for like 1-2 percent? Or can someone else? That’s why I give 4 stars - little bit of gouging on us I feel.
I love the app. Works seamlessly for me. They texted me when I landed and within a day I was good to go so not immediately as I wanted but not bad! And using it is so easy I love that! But I do think they could charge less than 3.5 percent?? Can’t they do it for like 1-2 percent? Or can someone else? That’s why I give 4 stars - little bit of gouging on us I feel.
2026-07-25	An*****	Upload passport and evisa a day later approved. I tried three other apps this is the only one that worked without driving to a bank
Upload passport and evisa a day later approved. I tried three other apps this is the only one that worked without driving to a bank
2026-07-20	Ta*****	We have had a lot of issues with this app. I believe their systems are not fully ready to account for all situations. Lots of times payments will get declined without any explanation. Sometimes, payment will be declined and refund won’t make it. If you return a product, the refund won’t make it back. Support is an AI chatbot, which is trained well for generic queries but not such complex matters. I am waiting for them to get back to me on multiple matters. I am in-terms that my money is gone. For NRIs I would recommend to proceed with caution, keep minimal money here, try to use cash or credit card where possible.
We have had a lot of issues with this app. I believe their systems are not fully ready to account for all situations. Lots of times payments will get declined without any explanation. Sometimes, payment will be declined and refund won’t make it. If you return a product, the refund won’t make it back. Support is an AI chatbot, which is trained well for generic queries but not such complex matters. I am waiting for them to get back to me on multiple matters. I am in-terms that my money is gone. For NRIs I would recommend to proceed with caution, keep minimal money here, try to use cash or credit card where possible.
2026-07-19	MR*****	It’s really great being able to use the no-fee UPI system with small vendors who would otherwise be hit by credit card fees. The only annoyance is if the vendor is using a personal account to receive payment. Mony doesn’t support that.
It’s really great being able to use the no-fee UPI system with small vendors who would otherwise be hit by credit card fees. The only annoyance is if the vendor is using a personal account to receive payment. Mony doesn’t support that.
2026-07-16	Nk*****	I've had a great time using mony as my daily driver for the stay at india. Really recommended.
I've had a great time using mony as my daily driver for the stay at india. Really recommended.
2026-07-13	Gl*****	⭐☆☆☆☆ (1 Star) I downloaded MONY because it was marketed as an easy way for international visitors and NRIs to use UPI in India. Unfortunately, my experience has been the exact opposite. The app charged me inactivity fees simply because I wasn’t using it between trips to India. That makes little sense for a product designed for people who travel internationally and may only visit once or twice a year. When I actually needed the app during my latest trip, it barely worked. Transactions failed, I couldn’t transfer my own money to another personal UPI account, and I had previously been charged for a failed transaction that was never properly resolved. To make matters worse: * Customer support is slow and mostly automated. * WhatsApp support just redirects you back to the app. * It’s difficult to view transaction history. * I ended up losing thousands of rupees because of the app’s policies and limitations. If you’re an international traveler looking for a reliable UPI solution, I’d strongly recommend considering other options. A financial app should make accessing your money easier—not harder. I will be closing my account and cannot recommend this service based on my experience.
⭐☆☆☆☆ (1 Star) I downloaded MONY because it was marketed as an easy way for international visitors and NRIs to use UPI in India. Unfortunately, my experience has been the exact opposite. The app charged me inactivity fees simply because I wasn’t using it between trips to India. That makes little sense for a product designed for people who travel internationally and may only visit once or twice a year. When I actually needed the app during my latest trip, it barely worked. Transactions failed, I couldn’t transfer my own money to another personal UPI account, and I had previously been charged for a failed transaction that was never properly resolved. To make matters worse: * Customer support is slow and mostly automated. * WhatsApp support just redirects you back to the app. * It’s difficult to view transaction history. * I ended up losing thousands of rupees because of the app’s policies and limitations. If you’re an international traveler looking for a reliable UPI solution, I’d strongly recommend considering other options. A financial app should make accessing your money easier—not harder. I will be closing my account and cannot recommend this service based on my experience.
2026-07-12	Tr*****	Read more reviews…this app seems scammy!!! Damn, put a bit of money in this and they’re charging for maintenance?!?!? As a tourist I would avoid this app!!! — Everything seems normal, snappy, some funky ui but nothing blockers. The have promos but you can’t use it because it reached it limits. However nowhere there’s a limit disclaimer. Note: I have not ever used the promo, I’m assuming it’s first 10 or something stupid like that.
Read more reviews…this app seems scammy!!! Damn, put a bit of money in this and they’re charging for maintenance?!?!? As a tourist I would avoid this app!!! — Everything seems normal, snappy, some funky ui but nothing blockers. The have promos but you can’t use it because it reached it limits. However nowhere there’s a limit disclaimer. Note: I have not ever used the promo, I’m assuming it’s first 10 or something stupid like that.