Comparison

HBZ vs Al Masraf

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

Head to head
About

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.

Highlights
  • 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
Features
Read full description

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

About

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.

Highlights
  • Account and card details access
  • Fund transfers
  • Bill payments
  • Card activation and blocking
  • PIN change
  • Cheque book requests
  • Remittance services
Features
Read full description

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

HBZ4 screens
Al Masraf4 screens

Verdict

The call

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

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

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.

UpkeepUpdate frequency

HBZ ships an update every 2 weeks, Al Masraf monthly. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.

Scorecard1 real difference · 9 level
HBZ versus Al Masraf: the parameters behind the verdict, then further details
ParameterHBZAl Masraf
PriceFreeFree
Rating4.5 (4 ratings) — better4.2 (5 ratings)
Positive reviews0.0% of reviews0.0% of reviews
Number of ratings45 — better
Update frequencyEvery 2 weeks — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.015.0
Further details — not scored
Size71 MB128 MB
Age rating17+4+
DeveloperHabib Bank AG ZurichAl Masraf

Customer experience

HBZ

All ratings4 ratings
Positive75.0%
Neutral25.0%
Negative0.0%
Written reviews2 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Al Masraf

All ratings5 ratings
Positive80.0%
Neutral0.0%
Negative20.0%
Written reviews2 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

HBZ

No in-app purchases

None

Al Masraf

No in-app purchases

Questions

Is HBZ free?
HBZ is free to download, with no in-app purchases.
Is Al Masraf free?
Al Masraf is free to download, with no in-app purchases.
Which has better reviews, HBZ or Al Masraf?
HBZ is rated higher. HBZ averages 4.5 out of 5 from 4 ratings, while Al Masraf averages 4.2 from 5 ratings.
Do HBZ or Al Masraf have ads?
Neither HBZ nor Al Masraf shows ads.
Which is updated more often, HBZ or Al Masraf?
HBZ ships an update every 2 weeks, and Al Masraf monthly. Most recently, HBZ was updated on November 2, 2026 and Al Masraf on November 3, 2026.

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