# Token Open Banking vs Mobily Pay

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.

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.

## The numbers

| Metric | Token Open Banking | Mobily Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.0 (1 ratings)](https://appshunter.io/ios/app/token-open-banking/id1140442537/reviews) | **[4.7 (3.6K ratings)](https://appshunter.io/ios/app/mobily-pay/id1620674097/reviews)** |
| Number of ratings | 1 | **3.6K** |
| Positive reviews | 22.7% of reviews | **34.6% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Monthly | **Every 2 weeks** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 86 MB | 152 MB |
| Requires iOS | **9.1** | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [TOKEN, INC.](https://appshunter.io/developer/975735723) | [Etihad Digital Financial Company](https://appshunter.io/developer/1575721299) |

## What reviewers say

### Token Open Banking

[App page](https://appshunter.io/ios/app/token-open-banking/id1140442537)

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.

**Highlights:** 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

**Features:** macOS Compatibility

**In-app purchases:** none


### Mobily Pay

[App page](https://appshunter.io/ios/app/mobily-pay/id1620674097)

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.

**Highlights:** Visa card integration, Wallet to wallet transfers, Local bank transfers (SARIE), International transfers, SADAD bill payments, Scheduled payments

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Prompt and easy transaction
- 👍 Good service
- 🚀 Wonderful App made easy everything just one click
- 👍 Best Digital Wallet App in Saudi
- 👍 Excellent and value to money

**What reviewers complain about**

- 🐛 App not working
- 🐛 Slow app
- 🐛 Worst interface
- 🐛 App crashes
- 🐛 Visa not working

**Reported bugs**

- OTP not received
- Visa and Mastercard not accepted
- Frequent app crashes
- Slow app performance
- Registration issues

**Requested features**

- 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


## Frequently asked questions

### Is Token Open Banking free?

Token Open Banking is free to download, with no in-app purchases.

### Is Mobily Pay free?

Mobily Pay is free to download, with no in-app purchases.

### Which has better reviews, Token Open Banking or Mobily Pay?

Mobily Pay is rated higher. Token Open Banking averages 4.0 out of 5 from 1 ratings, while Mobily Pay averages 4.7 from 3.6K ratings.

### Do Token Open Banking or Mobily Pay have ads?

Mobily Pay shows ads; Token Open Banking does not.

### Which is updated more often, Token Open Banking or Mobily Pay?

Token Open Banking ships an update monthly, and Mobily Pay every 2 weeks. Most recently, Token Open Banking was updated on October 10, 2026 and Mobily Pay on October 20, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*