Comparison

Al Masraf vs Setld.

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

Head to head
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...

About

Setld.

Features
Read full description

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

Al Masraf4 screens
Setld.4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Al Masraf ships an update monthly, Setld. every 4 days. The most recent releases landed on October 6, 2026 and October 16, 2026 respectively.

Scorecard1 real difference · 9 level
Al Masraf versus Setld.: the parameters behind the verdict, then further details
ParameterAl MasrafSetld.
PriceFreeFree
Rating4.2 (5 ratings) — better—
Positive reviews0.0% of reviews—
Number of ratings5 — better—
Update frequencyMonthlyEvery 4 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.015.0
Further details — not scored
Size128 MB4 MB
Age rating4+4+
DeveloperAl MasrafBENNO LUTZ VAN DER MERWE

In-app purchases

None

Al Masraf

No in-app purchases

None

Setld.

No in-app purchases

Questions

Is Al Masraf free?
Al Masraf is free to download, with no in-app purchases.
Is Setld. free?
Setld. is free to download, with no in-app purchases.
Do Al Masraf or Setld. have ads?
Neither Al Masraf nor Setld. shows ads.
Which is updated more often, Al Masraf or Setld.?
Al Masraf ships an update monthly, and Setld. every 4 days. Most recently, Al Masraf was updated on October 6, 2026 and Setld. on October 16, 2026.

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