Comparison

Askari Mobile App vs Raqami Islamic Digital Bank

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Askari Mobile App

Manage your bank accounts, make payments, and transfer funds conveniently from your mobile device. Offers enhanced security features, bill splitting, and access to third-party services for tickets and vouchers.

Highlights
  • Biometric authentication
  • RAAST P2M transactions
  • Bill splitting
  • Urdu interface
  • Cardless ATM withdrawals
  • QR code payments
  • Utility and school fee payments
Features
Read full description

Askari mobile banking application offers banking services at your fingertips. Askari bank has redesigned this App keeping in view the ease of use. The new services allow you to save your branch visits, and access your accounts anytime, anywhere. The app has enhanced security features with secure Biometric Authentication and Access Code. Now you can apply online for consumer products, go Card less on ATM, find deals & discounts, use QR for making payments and much more Download our new app now and ‘Go Digital’! What’s New!!! Enhanced Security Login to the app with your ID/Password and get an access code for more security. You can also enable convenient biometric feature that saves you from shoulder surfing. RAAST P2M Askari Digital App now giving the services of Raast P2M transaction to all askari nationwide Customers. Location Services For better experience Askari Digital App use customer Location for better Accuracy . Bill-Split Instantly Split your bill with friends and colleagues, Divide by amounts and shares also view or track pending transactions. Urdu Interface The application also offers an Urdu interface to enhance accessibility for customers Askari Edge Askari Edge within the Askari Digital Banking App provides users with access to services offered by independent third-party providers. The apps that are provided by Askari edge are those apps which are inside the AKBL Mobile Banking app through Askari edge medium these apps are, single-purpose applications that can be accessed instantly through Askari Digital app, the services include Bus, Cinema, Events Tickets ,also Provides facility to Purchase gaming vouchers. Payments • Utility bills (K-Electric, LESCO, FESCO, IESCO,PESCO, SSGC, SNGPL, GEPCO, HESCO, MEPCO, SEPCO, Askari Housing, PTCL, DHA, Bahria Town, Nayatel, Daewoo Bus, Nadra Esahulat & Askari Colonies • Schools (APS, Beacon House, Bahria School, Fauji Foundation, Cosmopolitan grammar school) • University fees (LUMS,NUML,IBA) • Mobile top-ups (Telenor, Zong, Jazz, Ufone,) • Government taxes (FBR, SECP, GoP, Sindh Revenue Board) • Insurance payments (Jubilee Life Insurance, EFU) • E-Commerce transactions (KuickPay merchants) • Investments (CDC–IPO, Foundation Securities) • Other banks’ Credit Card payments (1Bill Option) • Business payments via B2B (HABALL) Funds Transfer Conveniently transfer funds up to PKR 1M to any member bank accounts and Mobile Wallets. Go Card less Use Card less Cash Withdrawal option to withdraw cash from any Askari Bank ATM. You can also make easy and fast QR payments by scanning QR Codes. Account Details Check real time available balances of all linked accounts and view last 10 transactions through mini statement option. Credit Card Management Manage your credit card and make bill payments through multiple options. Debit Card Management Manage your Debit Card easily through our app. You can check status of cards in use or block your card temporarily. This feature provides extra layer of security. Daily Fund Transfer Limits Personalize your transfer limits as per your convenience within the defined range and make your funds more secure. Manage Cheques & Cheque Books Stop any cheque payment and view history of submitted cheques. You can also order your cheque book using this app. Deals & Discounts Stay updated with all the deals and discounts in your city and avail exciting offers just in few clicks. Apply Online for Consumer Products Apply online for Mastercard Credit Cards, Personal Finance, Ask4Car and Mortgage Finance without visiting the branch. Simply fill in the details using our new app and our team will get in touch with you for further process. ATM Locator This new feature lets you find the nearest ATMs without any hassle.

About

Raqami Islamic Digital Bank

This digital banking app offers a secure and modern Islamic banking experience in Pakistan. It allows for fully digital account opening in under 5 minutes, Shariah-compliant savings and term deposits with competitive profit rates, and everyday banking features like free debit cards and money transfers.

Highlights
  • Fully digital account opening
  • Shariah-compliant savings and term deposits
  • Biometrically secured banking
  • Free PayPak Debit Card
  • Free money transfers via Raast
  • 24/7 customer support
Features
Read full description

Raqami Islamic Digital Bank is a licensed Islamic bank operating under the State Bank of Pakistan's Digital Retail Bank framework, offering secure, seamless, and Shariah-compliant banking designed around your everyday financial needs — jo tum chaho. Backed by Pakistan Kuwait Investment Company (Private) Limited and Enertech Holding Company, a subsidiary of the Kuwait Investment Authority, Raqami combines global institutional strength with local expertise to deliver a modern Islamic banking experience in Pakistan. Whether you're looking to open a bank account online, earn halal profit on your savings, transfer money instantly, pay bills, or manage your finances securely, Raqami makes Islamic banking simple, accessible, and convenient. OPEN AN ISLAMIC BANK ACCOUNT ONLINE • Open your Islamic bank account in under 5 minutes • 100% paperless onboarding • No paperwork or branch visits required • Start banking anytime, anywhere in Pakistan SECURE ISLAMIC BANKING YOU CAN TRUST • Licensed by the State Bank of Pakistan under the Digital Retail Bank framework • Biometric login and device-bound security • Bank-grade protection designed to safeguard your identity and funds • Shariah-compliant banking solutions built around your financial needs GROW YOUR SAVINGS WITH HALAL PROFIT • Competitive halal profit rates on savings • Monthly profit credited directly to your account • Open and manage Islamic Term Deposits with ease • Swift profit disbursement upon maturity • Pakistan's first Shariah-compliant 7-Day Digital Term Deposit without unnecessary delay in profit disbursement EVERYDAY BANKING MADE SIMPLE • Free PayPak Debit Card accepted nationwide • Free cash withdrawals from designated ATM networks* • Withdraw up to PKR 100,000 in a single transaction from Askari Bank ATMs • Free bill payments anytime, anywhere • Instant money transfers through Raast • Smart routing with automatic fallback to 1LINK when required • Eco-friendly debit card made using recyclable materials MORE REWARDS, MORE VALUE • Exclusive discounts and offers through PayPak and Golootlo partner merchants • Enjoy savings on dining, shopping, travel, and more across Pakistan HIGHER LIMITS, GREATER FLEXIBILITY • Open additional accounts without additional KYC requirements • Daily transaction limits up to PKR 10 million • Built for secure, high-value banking 24/7 CUSTOMER SUPPORT • Dedicated support whenever you need assistance • Call us anytime at 051-111-727-264 • Email: complaints@raqamidigital.com WHY CHOOSE RAQAMI? • Licensed by the State Bank of Pakistan • Shariah-Compliant Banking • Online Account Opening • Halal Profit on Savings • Islamic Term Deposits • Free Bill Payments • Instant Raast Transfers • Free Debit Card • Discounts through PayPak & Golootlo • Secure Banking • High Transaction Limits • 24/7 Customer Support Download Raqami Islamic Digital Bank today and experience secure, Shariah-compliant banking built for Pakistan.

Screenshots

Askari Mobile App4 screens
Raqami Islamic Digital Bank4 screens

Verdict

The call

The clearest difference is ratings volume: Askari Mobile App at 1.1K against Raqami Islamic Digital Bank's 37. Askari Mobile App also leads on review sentiment (50% vs 33%) and rating (4.5 vs 4.3). On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Askari Mobile App holds the better App Store score, 4.5 against 4.3. That said, the two scores are not equally well evidenced: Askari Mobile App has 1.1K ratings behind it against 37, so its average is the more settled of the two. Written reviews point the same way: 50% of Askari Mobile App's written reviews are positive against 33% of Raqami Islamic Digital Bank's.

UpkeepUpdate frequency

Askari Mobile App ships an update monthly, Raqami Islamic Digital Bank every 3 weeks. The most recent releases landed on October 26, 2026 and October 24, 2026 respectively.

Scorecard3 real differences · 7 level
Askari Mobile App versus Raqami Islamic Digital Bank: the parameters behind the verdict, then further details
ParameterAskari Mobile AppRaqami Islamic Digital Bank
PriceFreeFree
Rating4.5 (1.1K ratings) — better4.3 (37 ratings)
Positive reviews50.4% of reviews — better33.3% of reviews
Number of ratings1.1K — better37
Update frequencyMonthlyEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.615.6
Further details — not scored
Size403 MB218 MB
Age rating4+17+
DeveloperAskari Bank LimitedRaqami Islamic Digital Bank Limited

Customer experience

Askari Mobile App

All ratings991 ratings
Positive88.3%
Neutral2.2%
Negative9.5%
Written reviews232 reviews
Positive50.4%
Neutral6.5%
Negative43.1%

Raqami Islamic Digital Bank

All ratings35 ratings
Positive82.9%
Neutral0.0%
Negative17.1%
Written reviews6 reviews
Positive33.3%
Neutral0.0%
Negative66.7%

Bugs and requests

Askari Mobile App

Reported bugs

5 issues
  • App crashes on launch
  • Unable to enter OTP for transactions
  • Biometric verification not working
  • Compatibility issues with latest OS versions
  • Duplicate transactions and other technical issues

Requested features

5 requests
  • Add virtual/digital debit card option
  • Improve overseas banking features
  • Provide option to download account statements
  • Implement RAAST transfer to IBAN
  • Add copy-paste functionality

Raqami Islamic Digital Bank

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Askari Mobile App

No in-app purchases

None

Raqami Islamic Digital Bank

No in-app purchases

Questions

Is Askari Mobile App free?
Askari Mobile App is free to download, with no in-app purchases.
Is Raqami Islamic Digital Bank free?
Raqami Islamic Digital Bank is free to download, with no in-app purchases.
Which has better reviews, Askari Mobile App or Raqami Islamic Digital Bank?
Askari Mobile App is rated higher. Askari Mobile App averages 4.5 out of 5 from 1.1K ratings, while Raqami Islamic Digital Bank averages 4.3 from 37 ratings.
Do Askari Mobile App or Raqami Islamic Digital Bank have ads?
Neither Askari Mobile App nor Raqami Islamic Digital Bank shows ads.
Which is updated more often, Askari Mobile App or Raqami Islamic Digital Bank?
Askari Mobile App ships an update monthly, and Raqami Islamic Digital Bank every 3 weeks. Most recently, Askari Mobile App was updated on October 26, 2026 and Raqami Islamic Digital Bank on October 24, 2026.

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