Comparison

MoraBanc vs Raya Financing

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

Head to head
About

MoraBanc

Manage your finances conveniently from your mobile device. Access account balances, make transfers, pay bills, and manage investments and savings. Secure login options and branch locator included.

Highlights
  • Account balance and movement viewing
  • Domestic and international transfers
  • Card management and payments
  • Investment and securities trading
  • Savings and pension plan management
  • Branch and ATM locator
  • Biometric login
Features
Read full description

Download the MoraBanc mobile application: manage your accounts at any time and from anywhere and do all your day-to-day banking easily and conveniently. With our app you can: • Log in with your Touch ID or Face ID and also through your usual log-in details (username and password) • View the balances of your main financial products in a single window (accounts and cards, savings, investment, financing and insurance) • View your cards and make payments through a visual and user-friendly wallet. Make transfers and send money to domestic and international banks. You can also check and cancel the transfers you have scheduled • View your Direct Debits or return them in case of disagreement • Make enquiries and trade in securities and investment funds, and view share prices and financial news • View and check the details of your savings products, pension and retirement plans, and deposits • Contact your branch or account manager • Find the branch or ATM nearest to your location Basic banking and services available in the app: ACCOUNTS • View your balance and account movements in the currencies available • Order, view, schedule or save your national and international transfers • Buy and sell currencies directly in your account • Order foreign currency banknotes online and decide the branch where you’d like to collect your currency • View your Direct Debits or request a refund CARDS • View your credit and debit card movements. View your current credit card statement or statements from previous months • View details of your card payments, including authorised transactions not yet settled • Pay off your credit card balance before the scheduled repayment date • Transfer the credit limit available on your card to your current account • Cancel your credit card if it is lost or stolen • Retrieve your card PIN if you have forgotten it • Request a duplicate card if yours is damaged • Find out how much you’re saving by using your card to make purchases in stores participating in MoraBanc’s discount scheme and view the list of stores that offer discounts • Pay your credit card purchases in instalments or pay off the debt later INVESTMENTS • Purchase and sell securities or investments funds • Check your movements and positions in securities • Check the orders you’ve placed in securities • Sell shares through stop-loss orders • Make regular payments into investment funds • Choose and monitor your favourite indices, shares and investments funds • Receive financial news and information on the world’s main markets SAVINGS • View your deposits and fixed-term deposit accounts, the interest charged and the details and movements of the deposits • View the accumulated savings on your pension and retirement plans OTHER TRANSACTIONS • Use your online banking to sign off transactions carried out in branch by your account manager • View your paperless correspondence and set your alerts service for push notifications • Find your nearest MoraBanc branch using our interactive map of branches and ATMs • Personalise your profile: change your picture, choose your favourite language, account and currency • Manage your insurance procedures with our chatbot Rate our app and give us your opinion. Your feedback helps us improve our service! Send us your suggestions at digitalbanking@morabanc.ad

About

Raya Financing

This company offers Sharia-compliant financing for new and used cars. They provide personalized services to clients throughout the lease term, starting with vehicle selection.

Highlights
  • Sharia-compliant financing
  • New car financing
  • Used car financing
  • Personalized client services
  • Lease tenure support
Features
Read full description

راية للتمويل هي شركة تمويل تتوافق مع الشريعة الاسلامية‎ Raya Financing Company is a sharia compliant financing company that offers financing for both new and used cars. In addition to the financing services that start with your choice of vehicle we provide personalized services to our clients throughout the lease tenure.

Screenshots

MoraBanc4 screens
Raya Financing4 screens

Verdict

The call

The clearest difference is review sentiment: MoraBanc at 52% against Raya Financing's 0%. MoraBanc also leads on rating (4.6 vs 1.9) and ratings volume (28 vs 9). Raya Financing's advantage is iOS requirement (8.0 vs 15.0). 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

MoraBanc holds the better App Store score, 4.6 against 1.9. Both are backed by a comparable volume of ratings — 28 and 9 respectively. Written reviews point the same way: 52% of MoraBanc's written reviews are positive against 0% of Raya Financing's.

UpkeepUpdate frequency

MoraBanc ships an update fortnightly, Raya Financing every 10 days. Both last shipped on October 18, 2026.

Scorecard4 real differences · 6 level
MoraBanc versus Raya Financing: the parameters behind the verdict, then further details
ParameterMoraBancRaya Financing
PriceFreeFree
Rating4.6 (28 ratings) — better1.9 (9 ratings)
Positive reviews51.9% of reviews — better0.0% of reviews
Number of ratings28 — better9
Update frequencyFortnightlyEvery 10 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.08.0 — better
Further details — not scored
Size208 MB55 MB
Age rating4+4+
DeveloperMora Banc Grup SARaya Financing

Customer experience

MoraBanc

All ratings28 ratings
Positive92.9%
Neutral0.0%
Negative7.1%
Written reviews27 reviews
Positive51.9%
Neutral7.4%
Negative40.7%

Raya Financing

All ratings9 ratings
Positive22.2%
Neutral0.0%
Negative77.8%
Written reviews3 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

MoraBanc

No in-app purchases

None

Raya Financing

No in-app purchases

Questions

Is MoraBanc free?
MoraBanc is free to download, with no in-app purchases.
Is Raya Financing free?
Raya Financing is free to download, with no in-app purchases.
Which has better reviews, MoraBanc or Raya Financing?
MoraBanc is rated higher. MoraBanc averages 4.6 out of 5 from 28 ratings, while Raya Financing averages 1.9 from 9 ratings.
Do MoraBanc or Raya Financing have ads?
Neither MoraBanc nor Raya Financing shows ads.
Which is updated more often, MoraBanc or Raya Financing?
MoraBanc ships an update fortnightly, and Raya Financing every 10 days. Most recently, MoraBanc was updated on October 18, 2026 and Raya Financing on October 18, 2026.

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