Spend with purpose.
Joyas Pay is your multi-currency account and virtual card. Top up by bank transfer, spend anywhere, and every card payment grows your Saddaqah Tally — funded by us, given by you.
- 0.5%
- Per card swipe
- Multi
- GBP · SAR · more
- 0 fees
- To join waitlist
Every swipe gives back.0.5% — on us.
We earn interchange revenue every time you pay with your virtual card. Instead of keeping it, we share 0.5% of every transaction back to your Saddaqah Tally — a running total of good your spending has done. Donate it whenever you're ready.
- Paid from our revenue — never out of your balance
- Auto-calculated on every card payment, in any currency
- Transparent: see exactly what each transaction contributed
- Donate to verified charities, your way
Everything you'd expect from a payment app — and one thing you wouldn't.
One account, every currency
Hold and spend in GBP, SAR and more. Switch between accounts in a tap.
Virtual Mastercard, instantly
Issued the moment you sign up — powered by Wallester. Tap to pay anywhere.
Send and receive
Bank transfers in and out with full account details to share — sort code, IBAN, the lot.
Live exchange
Convert between your accounts at clear, mid-market rates. No hidden spread.
Bank-grade security
Biometric login, 3D Secure on every online payment, freeze your card in a tap.
Saddaqah Tally
0.5% of every card payment, funded from our revenue, ready when you want to give.
A look inside the app
Designed for clarity. Built for speed. Native dark from day one.
One app. The UK and the Gulf, side by side.
Send to family in Riyadh, pay your bills in London, and split a taxi in Jeddah — all from the same Joyas Pay account, with transparent exchange and no surprise fees.
How it works
Open your account
Sign up in minutes — fully digital, no paperwork.
Top up by bank transfer
Use the account details we generate for you in the app.
Spend with your virtual card
Issued instantly through Wallester. Add to Apple Pay or Google Pay.
Watch your Saddaqah Tally grow
0.5% of every swipe is set aside for you to donate, on us.
Questions, answered.
Where does the Saddaqah Tally money come from?+
Out of our pocket — specifically the interchange revenue we earn each time you pay with your Joyas Pay card. We share 0.5% of every transaction with you to give to charity. Your balance is never touched.
Who issues the card?+
Cards are issued through Wallester, a European card issuer. They handle the card scheme, you get a virtual Mastercard you can add to Apple Pay or Google Pay.
Which currencies can I hold?+
We're launching with GBP and SAR. EUR, USD and AED are on the roadmap.
Is Joyas Pay regulated?+
We operate through licensed banking and card-issuing partners. Full regulatory details will be published on this page at launch.
When can I get an account?+
We're rolling out access from the waitlist. Join below and we'll be in touch.
Be first in line for Joyas Pay.
Join the waitlist and we'll let you know the moment your account, card and Saddaqah Tally are ready.