City Express Remittance to CityPay — How Fast Is Your Money?

1. THE PROBLEM

Why traditional remittance collection was broken

The only thing that could happen to one before the introduction of digital wallet remittance was that they had to go to a money transfer office to receive the remittance. On Monday your father wires money back at Doha. An SMS is sent to you with a code. You take leave off work, go to the nearest Western Union or other local remittance outlet, present your citizenship, wait in a queue, and then get cash in hand - it takes you some time on Tuesday, some time on Wednesday, some longer, depending where you live.

The digital wallet payout model, which involves the remittance being sent into a wallet with CityPay the second it is transferred, removes each of these pain points. No queue. No travel. No cash risk. Immediate assurance to the receiver and the sender.
 

2. CITY EXPRESS

What is City Express — and why does it matter for CityPay?

City Express is one of Nepal's most established and trusted international money transfer companies, with an extensive network of partner agents, banks, and payout locations across Nepal and sending corridors spanning the major Nepali worker destinations — the Gulf countries, South Korea, Malaysia, Japan, Australia, the United Kingdom, and beyond

The ownership relation is what makes City Express a direct interest to CityPay: CityPay (CityWallet Pvt. Ltd.) is supported by City Express. This is not an ordinary commercial relationship, but rather structural integration which enables the two platforms to interact in real time. When a sender launches a transfer with City Express, when abroad, the payout order can be sent directly to the CityPay wallet of the recipient in Nepal, without an intermediate step and delay.
 

3. HOW IT WORKS

How the City Express + CityPay integration actually works

The user can easily access technical integration between City Express and CityPay, although the system may be advanced. The following is the overall sequence starting with an initiation of a transfer by the sender to the final time the recipient receives an update in his/her CityPay balance.

1. Abroad — the sender: Sender visits a City Express agent or uses the online platform
   The sender, be it in Qatar, the UAE, South Korea, Malaysia or any other country in the City Express partners, visits an agent location of City Express or transacts online through the City Express transfer system. They start a transfer to Nepal and choose the payout method CityPay wallet.

2. System — real-time routing: City Express routes the transfer directly to CityPay
   Since both City Express and CityPay are based on a single system, the transfer order is immediately sent to the payment structure of CityPay - no third party intermediary, no further processing queue, no manual process. This is converted to NPR at the relevant exchange rate.

3. Nepal — the receiver: Receiver gets an instant notification and balance update
   The CityPay wallet holder in Nepal gets an immediate push notification -the remittance has been received. Their wallet balance is updated instantly. They are able to view the exact amount sent, the reference given by the sender and the entire transaction history on the app just a few minutes after the sender has transferred the funds to another country.

4. After receipt: Use the money immediately — pay bills, transfer to bank, or spend via QR
   As soon as the remittance is deposited into the CityPay wallet, it can be used right away to cover utility bills, mobile top-up, Fonepay QR merchant payments, bank transfers, or stored in the wallet to be used later. Waiting period is nonexistent. The cash can be used immediately it comes.
    

4. SPEED 

How fast does the money actually arrive?

Speed is the question that each family and each sender wants to be answered. This is a straightforward, transparent comparison of the payout rates of the various remittance options in Nepal - so you can choose wisely.

5. SENDING COUNTRIES

Where can you send from through City Express?

City Express has built one of the widest sending networks for Nepal-bound remittance, covering the countries where the largest Nepali worker populations are concentrated.

🇶🇦
Qatar: One of the largest Nepali worker populations globally — construction, hospitality, services
🇦🇪
UAE: Dubai, Abu Dhabi, Sharjah — major Nepali diaspora destination for skilled and unskilled workers
🇸🇦
Saudi Arabia: Second-largest Gulf remittance corridor for Nepali workers — construction, domestic services
🇲🇾
Malaysia: Long-established Nepali worker community — manufacturing, services, plantation sectors
🇰🇷
South Korea: EPS programme workers — among the highest-paid Nepali migrant corridors
🇯🇵
Japan: Growing Nepali technical intern and skilled worker community — rising remittance corridor
🇦🇺
Australia: Nepali student and skilled migrant community — increasingly significant sending corridor
🇬🇧
United Kingdom: Gurkha veterans and their families, skilled workers, students — established UK-Nepal corridor

More countries
City Express partner network continues to expand — check cityexpress.com.np for the full current list

6. STEP-BY-STEP GUIDE

Complete guide — for the sender abroad and the receiver in Nepal

For the sender abroad
What to do from Qatar, UAE, Korea, or any City Express country

• Find the nearest City Express agent in your country, or visit cityexpress.com.np for the online transfer option
• Provide your identity document and the transfer amount in local currency
• Select "CityPay Wallet" as the payout method for Nepal
• Enter your recipient's CityPay-registered mobile number — this is the wallet address
• Confirm the NPR amount after exchange rate conversion and pay the service fee
• Receive your transaction reference number — share it with your recipient as confirmation
• Your recipient in Nepal will receive an instant CityPay notification when money arrives

For the receiver in Nepal
What to set up before the money arrives

• Download the CityPay app from Google Play Store or Apple App Store
• Register with your Nepal mobile number — the same number your sender will use
• Complete KYC verification using your citizenship certificate or passport — required to receive remittance
• Share your registered mobile number with your family member sending money — that is your wallet address
• When money arrives, you receive an instant push notification and your balance updates immediately
• Use the funds directly — pay bills, send to your bank, recharge your phone, or spend via QR at any Fonepay merchant

7. COMPARISON

CityPay wallet payout vs other remittance collection methods

To help you make the best decision for your family's situation, here is a complete side-by-side comparison of CityPay wallet payout against the main alternatives available in Nepal today.

8. SECURITY

Is it safe? Security and NRB compliance

For many Nepali families, remittance is not supplemental income — it is the primary source of household funds. The question of whether it is safe to receive this money in a digital wallet is entirely reasonable, and deserves a direct, honest answer.

• NRB licensed
  CityPay is a regulated Payment Service Provider under Nepal Rastra Bank. All remittance payouts comply with NRB's Payment and Settlement Regulations.
   
• Funds held in regulated bank
  Your wallet balance is held in a dedicated account at a licensed commercial bank — separate from CityWallet's own operating funds. Your money is not at risk even if the company faces any internal issue.
   
• Bank-grade encryption
  Every transaction is processed through encrypted channels. CityPay uses industry-standard security protocols to protect your data and transaction history at all times.
   
• Two-factor authentication
  Your CityPay account is protected by PIN and optionally biometric authentication — so even if someone has your phone, they cannot access your wallet without your credentials.
   
• Full transaction records
  Every remittance received is permanently recorded in your CityPay transaction history — with sender reference, amount, date, and time. Fully auditable at any point.
   
• NRB complaint mechanism
  If any issue arises, you have recourse through CityPay's support team and NRB's official Gunaso grievance portal at gunaso.nrb.org.np.