The Ultimate Financial Bridge for Nepali Diaspora in Europe 🇳🇵🇪🇺

Whether you’re a Nepali student in Tallinn, a professional in Riga, or an entrepreneur in Vilnius — sending money home, booking flights to Kathmandu, or reserving a bus ticket to Pokhara just got a whole lot easier. Meet Unelma Pay (UPay) — the all-in-one digital platform designed specifically for the Nepali diaspora across Europe, powered by the revolutionary “EveryPay” payment gateway.

In this detailed guide, we’ll walk you through how you can use UPay to:

✅ Book domestic flights within Nepal
✅ Reserve intercity bus tickets
✅ Book international flights (to/from Nepal)
✅ Send money to friends & family in Nepal — with only 1% fee
✅ Deposit via your local EU bank or Revolut — hassle-free! 


  

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✈️ BOOK DOMESTIC FLIGHTS IN NEPAL

Flying from Kathmandu to Pokhara? Need to get to Biratnagar for Dashain? UPay lets you book flights with all major Nepali domestic airlines — Buddha Air, Yeti Airlines, Shree Airlines, Tara Air — in just a few taps.

👉 How it works:

  1. Log in to your UPay app or web portal.
  2. Go to “Flights” → “Domestic”.
  3. Enter your route, date, and passenger details.
  4. Pay via “EveryPay” using your Estonian, Latvian, Lithuanian bank, or Revolut.
  5. Receive e-ticket instantly via email/SMS.

No more calling agents. No hidden fees. Real-time seat selection and instant confirmation.

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🚌 BOOK BUS TICKETS ACROSS NEPAL

Planning a scenic ride from Kathmandu to Chitwan? Or a night bus to Birgunj? UPay partners and in collaboration with "BusSewa" with top bus operators like Greenline, Baba Adventure, and others to let you book tickets online — even for sleeper coaches and luxury buses.

👉 How it works:

  1. Select “Domestic Bus Booking” in UPay.
  2. Choose departure city, destination, date, and time.
  3. Pick your seat (where available).
  4. Pay securely via EveryPay.
  5. Get QR code or PDF ticket — show at boarding.

Perfect for last-minute trips or planning family vacations back home.

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🛫 BOOK INTERNATIONAL FLIGHTS TO/FROM NEPAL

Visiting Nepal for Tihar? Or flying your parents to Europe for a reunion? UPay lets you compare and book international flights with major carriers — Qatar Airways, Turkish Airlines, Emirates, Thai Airways, Air India, and more — all with local EU currency conversion and no dynamic currency conversion (DCC) traps.

👉 Features:

  • Price comparison across airlines
  • Flexible date search
  • Multi-city itineraries
  • Seat selection & meal preferences
  • Instant e-ticket delivery

Payment? Same seamless EveryPay experience — just choose your bank or Revolut at checkout.

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💸 SEND MONEY TO NEPAL — ONLY 1% FEE 🇳🇵

This is where UPay truly shines. Forget expensive remittance services with hidden charges and slow processing. With UPay’s “EveryPay” method, you can send money to any bank account, mobile wallet (eSewa, Khalti, IME Pay) — with a flat fee of just 1%.

👉 Supported Deposit Methods in EU:

🇪🇪 Estonia:

  • LHV
  • Swedbank
  • SEB
  • Luminor
  • Coop Pank
  • Citadele

🇱🇻 Latvia:

  • Swedbank
  • SEB
  • Luminor
  • Citadele

🇱🇹 Lithuania:

  • Swedbank
  • SEB
  • Luminor
  • Šiaulių Bankas
  • Citadele

🌍 Worldwide (via Revolut):

  • Personal Revolut Account
  • Business Revolut Account

👉 How to send money:

  1. Open UPay → “Send Money”.
  2. Enter recipient’s details: Name, Bank/Mobile Wallet, Amount.
  3. Choose payout method (Bank Transfer, Mobile Wallet).
  4. Select your deposit method (e.g., “Pay with SEB Estonia” or “Pay with Revolut”).
  5. Confirm — funds arrive in Nepal within minutes to 48 hours.

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🔐 WHY “EVERYPAY” IS A GAME-CHANGER

EveryPay is UPay’s proprietary payment orchestration layer that connects directly with EU banking infrastructure. It means:

✅ No international card fees
✅ No intermediary banks
✅ Real-time EUR to NPR conversion (transparent rates)
✅ PCI-DSS Level 1 secure transactions
✅ Full compliance with EU PSD2 regulations
✅ LHV Bank — a licensed and regulated Estonian credit institution — serves as the official payment service provider for Unelma Platforms in the European Union. All EUR transactions processed via UPay are securely handled through LHV’s regulated banking infrastructure.

You’re not paying for “cross-border transaction fees” — you’re paying 1% flat to UPay for the service. That’s it.  

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📱 HOW TO GET STARTED

  1. Download “Unelma Pay (UPay)” from Google Play or App Store.
  2. Register with your EU mobile number and ID (Passport or Residence Permit).
  3. Verify your identity (quick KYC via photo upload).
  4. Pre-fund your UPay wallet via EveryPay
  5. Start booking, sending, and saving.

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💬 USER TESTIMONIAL (Riga, Latvia):

“I used to pay €15 to send €300 home via Western Union. Now with UPay + EveryPay via my Citadele account, I pay only €3 — and my mom gets the money the same day in her Bank account. Plus, I booked my flight to Kathmandu without switching apps. Life-changing!”
— Sunita T., Nepali Nurse in Riga

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📌 IMPORTANT NOTES

  • All transactions are tracked in-app with receipts and history.
  • Customer support available in Nepali & English via chat (9 AM - 9 PM EEST).
  • ✅ LHV Bank is the official payment service provider for Unelma Platforms in the European Union.

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🎁 BONUS: REFERRAL PROGRAM

Invite a friend to UPay and both of you get €5 credit when they make their first transaction. Share your referral code via WhatsApp, Viber, or Facebook.

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🌐 CONNECT WITH US

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🔚 FINAL THOUGHTS

Unelma Pay isn’t just another fintech app — it’s a cultural bridge. Built by Nepalis, for Nepalis, living abroad. Whether you’re sending love in the form of rupees, booking a seat home for momo and mountains, or surprising your family with a Dashain visit — UPay makes it simple, secure, and affordable.

Stop overpaying. Start experiencing seamless Nepal-EU connectivity.

🇳🇵 घर नजिक छ — अब तपाईंको हातमा।
🇪🇺 Home is closer now — right in your hands.

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📲 Download UPay Today.
✈️ 🚌 💸 One App. Endless Connections.

#UnelmaPay #UPay #NepaliDiaspora #SendMoneyToNepal #EveryPay #EuropeToNepal #NepalFlightBooking #BusBookingNepal #RevolutNepal #RemittanceToNepal #Estonia #Latvia #Lithuania #NepaliInEU #DigitalNepal #FinTechForNepal #LHVBank #PoweredByLHV

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✅ Disclaimer: Fees, exchange rates, and supported banks are subject to change. Always check in-app for real-time info. “EveryPay” is UPay’s branded deposit method via EU banks and Revolut. LHV Bank is the official payment service provider for Unelma Platforms in the European Union.

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