Token Open Banking vs Mobily Pay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Token Open Banking
Manage your bank-direct payments and financial permissions from a single platform. Create a secure identity, link bank accounts, and authorize third parties to access your financial data. Two-factor authentication ensures you remain in control of your transactions and permissions.
- Create a Token alias for identity
- Link multiple bank accounts
- Make bank-direct payments
- Share account information securely
- Manage permissions and transactions
- Two-factor authorization for security
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The Token app allows you to control your bank-direct payments and financial permissions from one single place. CREATE IDENTITY Create your Token alias. LINK BANK ACCOUNTS Link bank accounts with your new Token identity. MAKE BANK DIRECT PAYMENTS You can now use any of your linked bank accounts as your source of payments. SHARE ACCOUNT INFORMATION Grant permissions to your trusted third parties to securely access your banking information (account balance and transaction history). REMAIN IN CONTROL The Token app uses two-factor authorization for transactions over €30 and to grant permissions - this way, you can be sure you remain in control of your accounts. Moreover, it allows you to manage all your permissions, transactions, and accounts from one place. TRY IT OUT The Token app gives you full control over who is allowed to charge your bank account and see your account information, while making it safer and easier to move money. Token is compliant with the PSD2 regulation in Europe.
Mobily Pay
A digital wallet licensed by the Saudi Central Bank for daily financial transactions and purchases. It facilitates local and international transfers, bill payments, and SADAD payments with ease.
- Visa card integration
- Wallet to wallet transfers
- Local bank transfers (SARIE)
- International transfers
- SADAD bill payments
- Scheduled payments
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Mobily Pay is a digital wallet licensed by The Saudi Central Bank. Mobily Pay is your perfect choice for making daily financial transactions & purchases. Mobily Pay is the best choice for your local & international transfers. Through the app, you can pay your bills in one click. Mobily Pay features: - Visa card - Wallet to wallet transfer - Local bank transfer (SARIE – IPS) - International transfer (to account – cash pickup – wallet) - SADAD payments - Mobily payments - Send gifts - Multi-languages - Payments scheduling And more ...
Screenshots
Verdict
The clearest difference is rating: Mobily Pay at 4.7 against Token Open Banking's 4.0. Mobily Pay also leads on ratings volume (3.6K vs 1) and update cadence (every 2 weeks vs monthly). Token Open Banking's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, in-app purchases and device support 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Mobily Pay holds the better App Store score, 4.7 against 4.0. That said, the two scores are not equally well evidenced: Mobily Pay has 3.6K ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 23% of Token Open Banking's written reviews are positive against 35% of Mobily Pay's.
Token Open Banking ships an update monthly, Mobily Pay every 2 weeks. The most recent releases landed on October 10, 2026 and October 20, 2026 respectively.
| Parameter | Token Open Banking | Mobily Pay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.0 (1 ratings) | 4.7 (3.6K ratings) — better |
| Positive reviews | 22.7% of reviews | 34.6% of reviews — better |
| Number of ratings | 1 | 3.6K — better |
| Update frequency | Monthly | Every 2 weeks — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 9.1 — better | 15.0 |
| Further details — not scored | ||
| Size | 86 MB | 152 MB |
| Age rating | 4+ | 17+ |
| Developer | TOKEN, INC. | Etihad Digital Financial Company |
Customer experience
Token Open Banking
Mobily Pay
Bugs and requests
Token Open Banking
Not enough reviews yet to summarise bugs or requests.
Mobily Pay
Reported bugs
7 issues- OTP not received
- Visa and Mastercard not accepted
- Frequent app crashes
- Slow app performance
- Registration issues
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- Incompatibility with older devices
- Balance recharge problems
Requested features
5 requests- Introduce Mada prepaid card
- Add Sadad bills payment
- Improve international beneficiaries details
- Add mobile recharge options
- Integrate with Mobily account for bill payment and recharge
In-app purchases
Token Open Banking
No in-app purchases
Mobily Pay
No in-app purchases
Questions
Is Token Open Banking free?
Is Mobily Pay free?
Which has better reviews, Token Open Banking or Mobily Pay?
Do Token Open Banking or Mobily Pay have ads?
Which is updated more often, Token Open Banking or Mobily Pay?
Other comparisons
