Comparison

BML Mobile vs Raqami Islamic Digital Bank

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

Head to head
About

BML Mobile

Manage your bank account conveniently and securely. Perform electronic banking transactions like bill payments, fund transfers, and mobile credit purchases. Access card management and add beneficiaries with ease.

Highlights
  • Electronic banking transactions
  • Bill payments
  • Funds transfers
  • Mobile credit purchase
  • Card management
  • Beneficiary addition
Features
Read full description

BML Mobile is a safe and easy way to use your BML account. You can access all the electronic banking transactions, including bill payments & funds transfers, mobile credit purchase, card management, and beneficiary addition. Using the App could not be easier! Simply follow the steps below: 1. Download the App to your phone from App Store 2. Log in using your existing BML Bank's Internet Banking details OR register using your CNIC, Mobile Number or Account Number Make life easy with BML Mobile. For more details, visit www.bankmakramah.com or call our 24/7 Contact Centre at 021-111-124-365.

About

Raqami Islamic Digital Bank

This digital bank offers Shariah-compliant financial services, including online account opening, halal profit on savings, and convenient bill payments. It provides secure, accessible, and modern Islamic banking solutions for everyday needs in Pakistan.

Highlights
  • Online Islamic bank account opening
  • Halal profit on savings
  • Free PayPak Debit Card
  • Free bill payments
  • Instant Raast money transfers
  • Islamic Term Deposits
  • 24/7 customer support
Features
Read full description

Raqami Islamic Digital Bank is a licensed Islamic bank operating under the State Bank of Pakistan's Digital Retail Bank framework, offering secure, seamless, and Shariah-compliant banking designed around your everyday financial needs — jo tum chaho. Backed by Pakistan Kuwait Investment Company (Private) Limited and Enertech Holding Company, a subsidiary of the Kuwait Investment Authority, Raqami combines global institutional strength with local expertise to deliver a modern Islamic banking experience in Pakistan. Whether you're looking to open a bank account online, earn halal profit on your savings, transfer money instantly, pay bills, or manage your finances securely, Raqami makes Islamic banking simple, accessible, and convenient. OPEN AN ISLAMIC BANK ACCOUNT ONLINE • Open your Islamic bank account in under 5 minutes • 100% paperless onboarding • No paperwork or branch visits required • Start banking anytime, anywhere in Pakistan SECURE ISLAMIC BANKING YOU CAN TRUST • Licensed by the State Bank of Pakistan under the Digital Retail Bank framework • Biometric login and device-bound security • Bank-grade protection designed to safeguard your identity and funds • Shariah-compliant banking solutions built around your financial needs GROW YOUR SAVINGS WITH HALAL PROFIT • Competitive halal profit rates on savings • Monthly profit credited directly to your account • Open and manage Islamic Term Deposits with ease • Swift profit disbursement upon maturity • Pakistan's first Shariah-compliant 7-Day Digital Term Deposit without unnecessary delay in profit disbursement EVERYDAY BANKING MADE SIMPLE • Free PayPak Debit Card accepted nationwide • Free cash withdrawals from designated ATM networks* • Withdraw up to PKR 100,000 in a single transaction from Askari Bank ATMs • Free bill payments anytime, anywhere • Instant money transfers through Raast • Smart routing with automatic fallback to 1LINK when required • Eco-friendly debit card made using recyclable materials MORE REWARDS, MORE VALUE • Exclusive discounts and offers through PayPak and Golootlo partner merchants • Enjoy savings on dining, shopping, travel, and more across Pakistan HIGHER LIMITS, GREATER FLEXIBILITY • Open additional accounts without additional KYC requirements • Daily transaction limits up to PKR 10 million • Built for secure, high-value banking 24/7 CUSTOMER SUPPORT • Dedicated support whenever you need assistance • Call us anytime at 051-111-727-264 • Email: complaints@raqamidigital.com WHY CHOOSE RAQAMI? • Licensed by the State Bank of Pakistan • Shariah-Compliant Banking • Online Account Opening • Halal Profit on Savings • Islamic Term Deposits • Free Bill Payments • Instant Raast Transfers • Free Debit Card • Discounts through PayPak & Golootlo • Secure Banking • High Transaction Limits • 24/7 Customer Support Download Raqami Islamic Digital Bank today and experience secure, Shariah-compliant banking built for Pakistan.

Screenshots

BML Mobile4 screens
Raqami Islamic Digital Bank4 screens

Verdict

The call

The clearest difference is rating: Raqami Islamic Digital Bank at 4.4 against BML Mobile's 3.1. Raqami Islamic Digital Bank also leads on review sentiment (43% vs 17%) and update cadence (every 3 weeks vs every 3 months). BML Mobile's advantage is iOS requirement (12.0 vs 15.6). On price, ratings volume, 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

Raqami Islamic Digital Bank holds the better App Store score, 4.4 against 3.1. Both are backed by a comparable volume of ratings — 18 and 44 respectively. Written reviews point the same way: 17% of BML Mobile's written reviews are positive against 43% of Raqami Islamic Digital Bank's.

UpkeepUpdate frequency

BML Mobile ships an update every 3 months, Raqami Islamic Digital Bank every 3 weeks. The most recent releases landed on November 3, 2026 and November 5, 2026 respectively.

Scorecard4 real differences · 6 level
BML Mobile versus Raqami Islamic Digital Bank: the parameters behind the verdict, then further details
ParameterBML MobileRaqami Islamic Digital Bank
PriceFreeFree
Rating3.1 (18 ratings)4.4 (44 ratings) — better
Positive reviews16.7% of reviews42.9% of reviews — better
Number of ratings1844 — better
Update frequencyEvery 3 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS12.0 — better15.6
Further details — not scored
Size80 MB144 MB
Age rating4+17+
DeveloperSummit Bank LtdRaqami Islamic Digital Bank Limited

Customer experience

BML Mobile

All ratings18 ratings
Positive55.6%
Neutral0.0%
Negative44.4%
Written reviews24 reviews
Positive16.7%
Neutral8.3%
Negative75.0%

Raqami Islamic Digital Bank

All ratings44 ratings
Positive86.4%
Neutral0.0%
Negative13.6%
Written reviews7 reviews
Positive42.9%
Neutral0.0%
Negative57.1%

In-app purchases

None

BML Mobile

No in-app purchases

None

Raqami Islamic Digital Bank

No in-app purchases

Questions

Is BML Mobile free?
BML Mobile is free to download, with no in-app purchases.
Is Raqami Islamic Digital Bank free?
Raqami Islamic Digital Bank is free to download, with no in-app purchases.
Which has better reviews, BML Mobile or Raqami Islamic Digital Bank?
Raqami Islamic Digital Bank is rated higher. BML Mobile averages 3.1 out of 5 from 18 ratings, while Raqami Islamic Digital Bank averages 4.4 from 44 ratings.
Do BML Mobile or Raqami Islamic Digital Bank have ads?
Neither BML Mobile nor Raqami Islamic Digital Bank shows ads.
Which is updated more often, BML Mobile or Raqami Islamic Digital Bank?
BML Mobile ships an update every 3 months, and Raqami Islamic Digital Bank every 3 weeks. Most recently, BML Mobile was updated on November 3, 2026 and Raqami Islamic Digital Bank on November 5, 2026.

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