Al Masraf vs Setld.
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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...
Setld.
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Setld is the easiest way to pay friends, split bills, and order at your favourite spots, all in one app, built for South Africa. Whether you're settling up after dinner, sending a mate their half of the Uber, or skipping the queue at your local coffee shop, Setld keeps your money moving and your friendships drama-free. PAY FRIENDS INSTANTLY • Send and request money in a simple chat, it settles the moment you tap. • No more "I'll EFT you later." Pay your share on the spot. • See exactly who owes who, and clear a debt in one tap. SPLIT ANY BILL, FAIRLY • Scan a bill and tap the items you actually had. • Everyone pays only their share, no awkward maths, no one short. • Add a tip at checkout, your way. SCAN. ORDER. SKIP THE QUEUE. • Scan the QR at your table or the counter to see the menu. • Order and pay from your phone, takeaway is paid up front, sit-down runs as a tab you split at the end. • Invite friends to the table so everyone orders onto one bill. A WALLET THAT KEEPS UP • Top up securely by card, powered by Yoco. • Watch your balance update in real time across every screen. • Withdraw to your bank whenever you like. BUILT AROUND YOUR FRIENDS • Group chats for trips, housemates and regular crews. • Keep a running tab with the people you see most. • Activity feed so nothing slips through the cracks. Setld is made for the way South Africans actually go out, split, pay, order and settle, without the spreadsheet. Download Setld and never chase a friend for money again.
Screenshots
Verdict
The clearest difference is update cadence: Setld. at every 4 days against Al Masraf's monthly. On price, ads, in-app purchases and device support 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.
Al Masraf ships an update monthly, Setld. every 4 days. The most recent releases landed on October 6, 2026 and October 16, 2026 respectively.
| Parameter | Al Masraf | Setld. |
|---|---|---|
| Price | Free | Free |
| Rating | 4.2 (5 ratings) — better | — |
| Positive reviews | 0.0% of reviews | — |
| Number of ratings | 5 — better | — |
| Update frequency | Monthly | Every 4 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.0 | 15.0 |
| Further details — not scored | ||
| Size | 128 MB | 4 MB |
| Age rating | 4+ | 4+ |
| Developer | Al Masraf | BENNO LUTZ VAN DER MERWE |
In-app purchases
Al Masraf
No in-app purchases
Setld.
No in-app purchases
Questions
Is Al Masraf free?
Is Setld. free?
Do Al Masraf or Setld. have ads?
Which is updated more often, Al Masraf or Setld.?
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