# Malaa: Track, Save & Invest — Better financial decisions

> All-in-one financial app for tracking, saving, and investing money. (iPhone/iPad app by Mala'a For Information Technology Company.)

- Source: https://appshunter.io/ios/app/malaa-track-save-and-invest/id1491121903 (this page in markdown: same URL + `.md`)
- Developer: [Mala'a For Information Technology Company](https://appshunter.io/developer/1491121902)
- Category: Finance, Productivity
- Price: Free
- Rating: 4.60/5 from 360 App Store ratings · 32 written reviews indexed
- Age rating: 4+
- Requires: iOS 16.4 · 121 MB
- Languages: American English, Arabic
- Released: 2021-04-28
- Data updated: 2026-08-28
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/malaa-track-save-and-invest/id1491121903/reviews.md

## What is Malaa?

Meet Malaa: your all-in-one financial app that helps you track, save, and grow your money!

Effortlessly integrate your bank accounts, view your spending patterns, and boost your savings through investments. Regulated under Saudi Central Bank's guidelines and Saudi Capital Market Authority, our priority is helping you understand your financial data, not capitalizing on it.

+ Monitor all your bank accounts:
Our integration brings together all your bank accounts in one place, so you can see your spending and earnings at a glance. No more logging in to multiple accounts or manually entering transactions. We automate the expense tracking to help you stay on top of your finances. Malaa integration with your bank is compliant with the Saudi Central Bank's guidelines for open banking, so you can rest assured that your financial data is encrypted.

+ Know where you spend your money:
Our new categorization engine will automatically categorize your transactions so you can see exactly where your money is going. No more guessing! you can create budgets for different categories of spending, like groceries, transportation, and entertainment. Then, our engine will automatically allocate each transaction to its corresponding budget, so you can easily control your spending.

+ Take a deeper look at your finances: 
Get key insights about your finances so you can make smart decisions. Customize your analytics report to track what's most important to you, and quickly view balances, categories across all of your accounts. See past transactions to understand your spending and make sure you're on track to reach your financial goals.

+ Grow your savings with investments:
with just a few questions, our algorithm will create a personalized investment portfolio that meets your risk tolerance and financial goals. You can deposit money easily with Mada, Visa, Mastercard, Apple Pay, or bank transfer. And our team of investment experts will manage your portfolio for you, so you can relax and focus on other things. Our investments have been reviewed by the Shariyah Review Bureau making it Shariah compliant, we also automatically calculate and pay your zakat for you, so you don't have to worry about it.

Malaa offers the lowest annual management fee in Saudi Arabia at 0.35%. You can start investing today with as low as 1000 SAR for your initial deposit, and 50 SAR for subsequent deposits.

## Key features

- Monitor all bank accounts in one place
- Automatic transaction categorization
- Customizable analytics reports
- Personalized investment portfolios
- Shariah-compliant investments
- Automated Zakat calculation

## Recent user reviews (10 of 32)

All indexed reviews: https://appshunter.io/ios/app/malaa-track-save-and-invest/id1491121903/reviews.md

### 5/5 — تطبيق ممتاز لكن ينقصه شيء

*2026-07-24*

‏أنا جربت التطبيق عندهم محفظة الكاش باك ممتازه جدا فيها أرباح تنفع للاستثمار قصير الأجل. تجربتي كانت إيجابية جدا. لكن لم اجد صناديق استثمار أمريكية !!! ‏صناديق الاستثمار الأمريكية تنفع للأشخاص الي مثل حالتي يبون يستثمرون لمدة 15 سنة للشراء منزل العمر. أرجوكم ضعو صناديق استثمار اميركية حيث انه لايوجد خيار للاستثمار طويل الأجل الا في صناديق محلية .

**Developer response:** أهلًا عزيزنا، توجد صناديق للأسهم الأمريكية في جميع محافظنا الأساسية، وتترواح نسبها من 14.4% إلى 50% حسب كل محفظة. تقدر تعرف توزيع كل محفظة من الحاسبة أو من داخل المحفظة بعد فتحها. ولو احتجت أي مساعدة، ففريقنا بخدمتك على مدار الساعة في المحادثة داخل التطبيق. -وائل

### 1/5 — اول كتن منتاز جدا

*2026-07-16*

اقل بسبب الارباح

**Developer response:** أهلًا عزيزنا، أداء محفظة الكاش باك يعتمد على سعر الفائدة حيث تتبع المحفظة أسعار السايبور، كل ما انخفضت أسعار الفائدة انخفض العائد بالمحفظة والعكس صحيح، برغم ذلك فنحن نسعى داخليًا لرفعها خلال الفترة القادمة بإذن الله. أيضًا فتذبذب المحافظ جزء طبيعي من رحلة الاستثمار، استمر باستثمارك وستكافئك الأسواق بصعودها. ولأي مساعدة فنحن بخدمتك بمحادثة التطبيق على مدار الساعة، آملين أن نحصل على تقييمك الكامل بعد اتضاح الصورة -وائل

### 5/5 — رائع

*2026-03-13*

تعامل راقي ومعاملات مالية ناجحة

**Developer response:** شكرًا على مراجعتك وتقييمك الكريم عزيزنا، ونتمنى لك تجربة مرضية دائمًا -وائل

### 5/5 — Great app for tracking spending

*2026-03-13*

Great app for tracking spending

**Developer response:** We're glad that you liked it, and we appreciate your kind review -Wail

### 5/5 — Nice

*2026-03-06*

Love it

### 4/5 — Abdullah

*2026-03-06*

تطبيق ممتاز يساعدك تبداء ثقافة الادخار و الاستثمار وان مافي طريق مختصر لبناء ثروة بس إبداء فريق يرد و منفتح للاقتراحات فكرة انك دفع الزكاة من خلال التطبيق مريحة و علامه فارقة لم يتم اختيار ٥ لان دائما في مجال للتحسين

**Developer response:** سعيدين برأيك وتقييمك عزيزنا عبدالله، ونعدك بأن تنال التحديثات القادمة على إعجابك بإذن الله -وائل

### 5/5 — يغنيك عن تطبيقات اخرى

*2026-03-05*

اذا كنت تبحث عن طريقة تجمع فلوس لمدة معينة ولكن بنفس الوقت لاتريد ان تتورط في التوقيع على سندات امر مشبوهه كما تطلبه بعض التطبيقات الاخرى اذا ملاءة هي ضالتك. بفضل الله ثم فضلهم  استطعت ان اشتري سيارة كاش . شكراً لكم.

### 1/5 — م يصلح

*2026-02-01*

لو في اقل من نجمه عطيتكم اقل شي للايداع 1000 ريال وربحهم جدا قليل

**Developer response:** أهلاً عزيزنا، الحد الأدنى لأول إيداع فقط هو 1,000 ريال، وبعده يصبح 50 ريال. نوضح نسبة العائد للمحفظة قبل فتحها والإيداع لها، النسبة نفسها لجميع المبالغ، فكل ما أودعت مبلغ أكبر جاك ربح أكثر بنفس النسبة. محافظنا تتميز بقلة المخاطر والمرونة وسرعة الإيداع والسحب، ونحن بخدمتك بالمحادثة داخل التطبيق لأي سؤال ومساعدة. متمنين أن نكسبك مجددًا كمستثمر معنا بتقييم أفضل لنا. -عبدالله

### 1/5 — استثمرت عندكم من دخلت فلوسي خسران

*2025-11-01*

استثمرت عندكم من دخلت فلوسي خسران وانا نفس المبلغ بتطبيق ثاني ربحان التطبيق الاخر نفس طريقة الاستثمار

**Developer response:** مرحبًا عزيزنا سلمان، لا يمكن الحكم على أداء الاستثمار على المدى القريب، حيث ان المحافظ مصممة لاستثمار 5 سنوات وأكثر. لذلك قد تنخفض المحفظة مؤقتًا خلال أشهر، ولكنها تستمر دائمًا بالصعود خلال سنوات. ولطالما لم تسحب المبلغ خلال النزول المؤقت، فلا يوجد خسارة محققة. استمر دون التشتت بتحركات السوق القصيرة، وستكافئك الأسواق. آملين أن ننال تقييمك الكامل ان عادت محفظتك للصعود وتحقيق الأرباح. -عبدالله

### 5/5 — منتاز جدا

*2025-08-10, version 4.35.1*

بسبب الارباح

## Frequently asked questions about Malaa

### What does Malaa do?

Malaa is a comprehensive financial app designed to help users track their spending, manage multiple bank accounts in one place, and grow their savings through personalized investment portfolios. It offers automated transaction categorization, budgeting tools, and insights into financial data to facilitate better financial decisions.

### How does the investment feature work?

The app creates a personalized investment portfolio based on your risk tolerance and financial goals. You can deposit funds easily via various payment methods, and investment experts manage your portfolio. The investments are Shariah-compliant, and the app automatically calculates and pays Zakat.

### What are the costs associated with Malaa?

Malaa offers the lowest annual management fee in Saudi Arabia at 0.35%. You can start investing with an initial deposit of 1000 SAR and subsequent deposits of 50 SAR. The app itself is free to download and use for tracking and saving features.

### Is my financial data secure with Malaa?

Yes, your financial data is secure. The app's integration with your bank is compliant with the Saudi Central Bank's guidelines for open banking, ensuring your financial data is encrypted. The app's priority is understanding your financial data, not capitalizing on it.

### Who is Malaa intended for?

Malaa is designed for individuals in Saudi Arabia who want to gain better control over their finances. This includes those who wish to track their expenses, monitor their bank accounts, create budgets, and explore investment opportunities to grow their savings.

## Version history (last 5 releases)

### 5.1.7 — 2026-08-19

We release updates frequently and are constantly improving the app to make it better for you to manage your finances. We rely on your feedback to continuously and iteratively develop the app. Reach us through in-app chat or through social media. We’re happy to chat

### 5.0.0 — 2026-08-01

We release updates frequently and are constantly improving the app to make it better for you to manage your finances. We rely on your feedback to continuously and iteratively develop the app. Reach us through in-app chat or through social media. We’re happy to chat

### 4.49.2 — 2026-07-20

We release updates frequently and are constantly improving the app to make it better for you to manage your finances. We rely on your feedback to continuously and iteratively develop the app. Reach us through in-app chat or through social media. We’re happy to chat

### 4.49.1 — 2026-07-15

We release updates frequently and are constantly improving the app to make it better for you to manage your finances. We rely on your feedback to continuously and iteratively develop the app. Reach us through in-app chat or through social media. We’re happy to chat

### 4.49.0 — 2026-07-13

We release updates frequently and are constantly improving the app to make it better for you to manage your finances. We rely on your feedback to continuously and iteratively develop the app. Reach us through in-app chat or through social media. We’re happy to chat

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-28.*