HBZ vs Al Masraf
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
HBZ
This secure and convenient banking app offers a simplified channel for managing your finances. Access account details, transfer funds, pay bills, and even trade stocks with unified login credentials across devices. It's designed for existing customers to manage their banking needs efficiently.
- Unified login for all devices
- Switch countries for global clients
- Fund transfers (local/foreign)
- One-click utility bill payments
- 10+ years of transaction history
- Card management (lock/unlock, limits)
- Stock trading
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HBZ Mobile Banking Application provides free, secure, convenient and simplified banking channel. This service is available to all HBZ group customers*. Salient Features: Services available through this smart banking channel includes: - Unified login credentials - Single user name and password for any device - Switch countries within a single app for HBZ Global Clients - Transfer funds within or outside HBZ in local or foreign currencies - View & pay your utility bills in one click - View account details & transaction history of over 10 years - View cleared/deposited cheques - View send remittance messages - Request cheque book - Locate HBZ branch near to you - Lock and unlock your credit/debit card - Set your Card limits - Trading of stocks Use our digital banking portal to save time & money. * HBZ app requires valid subscriptions to HBZweb banking and OTP
Al Masraf
Manage your banking needs on the go with this secure mobile application. Check account and card details, transfer funds, pay bills, and request services like cheque books and standing orders. Exclusively for Al Masraf customers, it offers convenient access to your finances anytime, anywhere.
- Account and card details access
- Fund transfers
- Bill payments
- Card activation and blocking
- PIN change
- Cheque book requests
- Remittance services
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Experience the new Al Masraf Mobile Banking app, designed to make daily banking faster, simpler and more secure. Manage your accounts, transfer money, pay bills, view your investments and access a wide range of banking services anytime, anywhere all from the convenience of your mobile device. With an enhanced user experience, stronger security features and improved self-service capabilities, the new Al Masraf Mobile Banking app puts you in control of your finances. * Modern look and feel with an improved, intuitive user experience * Enhanced privacy controls to hide or reveal balances instantly * View your recent transactions directly from the home screen * Access your investments, balances and account details with ease * Secure login using UAE PASS * Download SWIFT messages in PDF format * Share your account details with a single tap * Enhanced card management, including temporary card block, card replacement, PIN management and Apple Pay support * Digital self-service requests for faster banking without visiting a branch * Dedicated views for Islamic and Conventional accounts * Enhanced security with new fraud protection measures to help keep your money safe You can also: * Check account and card balances * Transfer funds locally and internationally * Pay utility bills * Activate, block and manage your cards * Change your card PIN * Make credit card payments * Request cheque books and standing orders * Update your contact details * And much more...
Screenshots
Verdict
The clearest difference is rating: HBZ at 4.5 against Al Masraf's 4.2. On price, review sentiment, ratings volume and update cadence 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.
HBZ holds the better App Store score, 4.5 against 4.2. Both are backed by a comparable volume of ratings — 4 and 5 respectively. Written reviews split almost evenly too, at 0% and 0% positive.
HBZ ships an update every 2 weeks, Al Masraf monthly. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.
| Parameter | HBZ | Al Masraf |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (4 ratings) — better | 4.2 (5 ratings) |
| Positive reviews | 0.0% of reviews | 0.0% of reviews |
| Number of ratings | 4 | 5 — better |
| Update frequency | Every 2 weeks — better | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 | 15.0 |
| Further details — not scored | ||
| Size | 71 MB | 128 MB |
| Age rating | 17+ | 4+ |
| Developer | Habib Bank AG Zurich | Al Masraf |
Customer experience
HBZ
Al Masraf
In-app purchases
HBZ
No in-app purchases
Al Masraf
No in-app purchases







