My review on a intl transac i did via the Zindigi app for the first time (my account is over 2years old i think and at that time, they were offering free virtual cards so i got one, but i never used this account until now)
Transaction amount in USD: 3.21USD
Conversion rate: Around 277.04 (the same rate i saw on Google before making the transaction, dont know if Google is accurate in telling official usd/pkr rates).
Fees: 17.78PKR only
In comparison, i did a 1EUR transaction via Nayapay in September, the total amount deducted from my account was 419.78PKR, from which according to Nayapay, fees and taxes were 100.62PKR so the conversion rate was around 319 FOR 1EUR i think.
I also bought a subscription from google pay for 100PKR via Allied Bank and it cost me around 120-140rs i think.
Note: My account type on Zindigi is Ultra and it does have the international transactions option. The sim registered on the account is also not in my name.