Comparison

Circlys | سيركليز vs tiqmo

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

Head to head
About

Circlys | سيركليز

This app digitizes traditional savings and credit committee systems, offering a secure and hassle-free way to manage your finances. It provides guaranteed savings plans with no intermediaries and allows customization of savings circles.

Highlights
  • Digital savings and credit committees
  • Guaranteed savings plans
  • No intermediaries
  • Customizable savings circles
  • Secure financial management
  • Hassle-free transactions
Features
Read full description

Circlys is an app that fully transforms traditional savings and credit committee systems. Forget the old management of monthly committees and issues related to peer-to-peer transactions. We’ve created a digitally innovative app that ensures your financial journey is hassle-free, secure, and tailored to your needs. With Circlys, your money is guaranteed—no intermediaries—and we offer savings plans of up to 5,000 Saudi Riyals monthly. Enjoy the freedom to choose a savings circle that fits your needs, whether setting the duration or withdrawal method. Experience a modern, integrated system for financial committees (savings and credit circles) and take control of your financial future with Circlys.

About

tiqmo

Manage your finances with a comprehensive digital app offering prepaid Mastercard options, global money transfers, and bill payments. Gain insights into spending, track budgets, and access an integrated marketplace for mobile recharges and e-vouchers.

Highlights
  • Prepaid Mastercard options (Standard Mada, Platinum)
  • Global and local money transfers
  • International and local bill payments (SADAD integration)
  • Spending insights and budget tracking
  • Integrated marketplace for mobile recharge and e-vouchers
  • ATM cash withdrawal
Features
Read full description

TIQMO is a financial lifestyle digital app designed to revolutionize your financial experience. Seamlessly blending speed, convenience, and security, TIQMO offers a comprehensive range of financial services tailored to meet your every need in the Kingdom of Saudi Arabia. Effortlessly manage your finances with TIQMO's array of cutting-edge features. Discover the freedom of choice with our digital and physical prepaid Mastercard options. Whether it's the Standard Mada Mastercard or the Platinum Mastercard with competitive cashback offers, TIQMO's prepaid cards empower you to make local and international payments, indulge in online purchases, and breeze through POS transactions. Need cash on the go? Our physical prepaid cards let you withdraw funds hassle-free from ATMs. Say goodbye to the complexities of international money transfers. With TIQMO, sending and receiving money globally is a breeze. Seamlessly transfer funds to other wallets or IBAN accounts with remarkable ease. You can even opt for cash pick-up at our partner locations, ensuring your loved ones can access the money wherever they may be. Leave the hassles of bill payments behind. TIQMO simplifies the process, allowing you to settle international bills conveniently and securely. With just a few clicks, effortlessly manage your local bill payments through our seamless integration with SADAD. Take control of your financial well-being with TIQMO's intuitive interface. Gain valuable insights into your spending habits, effortlessly track your budget, and make informed financial decisions like never before. TIQMO's user-friendly platform ensures your financial goals are within reach. Step into a world of endless possibilities with TIQMO's integrated marketplace. Access a wide range of local and international mobile recharge products and e-vouchers for gaming and popular stores. Enjoy the convenience of making purchases right within the app, unlocking a world of possibilities at your fingertips. TIQMO takes the hassle out of local money transfers within the Kingdom of Saudi Arabia. Effortlessly send money to friends, family, or businesses, and experience the seamless transaction process that sets TIQMO apart. At TIQMO, we are committed to transforming the way you engage with your finances. Our mission is to provide innovative financial solutions that empower you to embrace a digital financial lifestyle. Join us on this exciting journey and experience the future of finance with TIQMO – where convenience, security, and limitless possibilities await you. Discover the power of TIQMO app and embark on a financial journey like no other.

Screenshots

Circlys | سيركليز4 screens
tiqmo4 screens

Verdict

The call

The clearest difference is rating: Circlys | سيركليز at 4.7 against tiqmo's 4.2. Circlys | سيركليز also leads on ratings volume (5.8K vs 354) and monetization model (ad-supported vs free with in-app purchases). tiqmo's advantage is update cadence (weekly vs every 4 weeks). On price, review sentiment, 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

Circlys | سيركليز holds the better App Store score, 4.7 against 4.2. That said, the two scores are not equally well evidenced: Circlys | سيركليز has 5.8K ratings behind it against 354, so its average is the more settled of the two. Written reviews point the same way: 49% of Circlys | سيركليز's written reviews are positive against 44% of tiqmo's.

UpkeepUpdate frequency

Circlys | سيركليز ships an update every 4 weeks, tiqmo weekly. Both last shipped on September 25, 2026.

Scorecard5 real differences · 5 level
Circlys | سيركليز versus tiqmo: the parameters behind the verdict, then further details
ParameterCirclys | سيركليزtiqmo
PriceFreeFree
Rating4.7 (5.8K ratings) — better4.2 (354 ratings)
Positive reviews48.9% of reviews — better44.4% of reviews
Number of ratings5.8K — better354
Update frequencyEvery 4 weeksWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationAd-supported — betterFree with in-app purchases
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS13.0 — better15.6
Further details — not scored
Size109 MB127 MB
Age rating4+4+
DeveloperSaving circlesTiqmo

Customer experience

Circlys | سيركليز

All ratings5,812 ratings
Positive92.1%
Neutral2.1%
Negative5.8%
Written reviews188 reviews
Positive48.9%
Neutral5.3%
Negative45.7%

tiqmo

All ratings354 ratings
Positive80.8%
Neutral0.8%
Negative18.4%
Written reviews90 reviews
Positive44.4%
Neutral2.2%
Negative53.3%

User reviews

Circlys | سيركليز

From 5.8K App Store ratings

What we love

  • 👍 Reliable and trustworthy service
  • 🚀 Efficient and timely payouts
  • 💡 Convenient way to save and earn
  • 🔒 Secure and regulated platform

Room to improve

  • 💰 Excessively high fees and charges
  • 🕰️ Delayed responses from customer service
  • 🤔 Lack of transparency in policies and procedures
  • 🚫 Inconsistent service and unreliable performance

tiqmo

From 354 App Store ratings

What we love

  • 💸 Generous cash back
  • 🚀 Fast international transfers
  • 💳 Convenient bill payments
  • 🗂️ Helpful budgeting tools
  • 🔒 Reliable and secure

Room to improve

  • 🚫 Mandatory location access
  • 🤖 Buggy app performance
  • ❌ Failed international/local transfers
  • 🕰️ Slow customer support response
  • 💰 Unexpected fees and charges

Bugs and requests

Circlys | سيركليز

Reported bugs

2 issues
  • App crashes and freezes on certain devices
  • Compatibility issues with newer OS versions

Requested features

4 requests
  • Add more payment options (e.g., Visa)
  • Improve communication and responsiveness
  • Provide more detailed information on fees and charges
  • Enhance user-friendly interface and navigation

tiqmo

Reported bugs

4 issues
  • Login and account verification issues
  • Frequent app crashes and freezes
  • Delayed or failed money transfers
  • Inconsistent cash back application

Requested features

4 requests
  • Improved international transfer experience
  • Enhanced security and privacy controls
  • Seamless integration with other financial apps
  • More transparent cash back policies

In-app purchases

None

Circlys | سيركليز

No in-app purchases

None

tiqmo

No in-app purchases

Questions

Is Circlys | سيركليز free?
Circlys | سيركليز is free to download, with no in-app purchases.
Is tiqmo free?
tiqmo is free to download, with no in-app purchases.
Which has better reviews, Circlys | سيركليز or tiqmo?
Circlys | سيركليز is rated higher. Circlys | سيركليز averages 4.7 out of 5 from 5.8K ratings, while tiqmo averages 4.2 from 354 ratings.
Do Circlys | سيركليز or tiqmo have ads?
Neither Circlys | سيركليز nor tiqmo shows ads.
Which is updated more often, Circlys | سيركليز or tiqmo?
Circlys | سيركليز ships an update every 4 weeks, and tiqmo weekly. Most recently, Circlys | سيركليز was updated on September 25, 2026 and tiqmo on September 25, 2026.

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