Comparison

DHOFAR ISLAMIC vs Modern Exchange

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

Head to head
About

DHOFAR ISLAMIC

Manage your finances and access banking services conveniently and securely. Perform transactions, locate branches, and pay bills on the go. Offers a user-friendly experience in English and Arabic.

Highlights
  • Self-registration
  • Account services
  • Funds transfers
  • Mobile wallet
  • Cardless cash withdrawal
  • Utility payments
  • Branch & ATM locator
Features
Read full description

Dhofar Islamic Mobile Banking App allows customers and non-customer to enjoy the features available offers convenience and Security to its users by either availing the mobile banking Services or/and Wallet services. The App offers axiomatic user experience along with many new features in English & Arabic making it the best of its kind. The App allow customers for self-registration by using the ATM card Details to access their accounts from cell phones or tablet devices free of charge, allowing them to check their account balances, locate ATM’s, CDM’s, and branches, pay bills and transfer funds 24 hours a day, 7 days a week. Features: Self-Registration: Quick and easy way of registration. Login by Password only: simplified login concept. Account Services: Comprehensive information on customer accounts. Funds Transfers: Ability to transfer amounts to own accounts, third parties within Dhofar Islamic or to any Bank in Oman. Instant transfer: Enjoy transferring funds immediately to any bank in Oman in any day at any time. Mobile Wallet: Transfer money instantly by using a mobile Number. Card less cash: Withdraw cash from the nearest Dhofar Islamic ATM using your App alone. Mobile Top-up: Users can reload their prepaid mobile number on the go to continually stay connected with (Oman Mobile, Ooredoo, FRiENDi, Renna). Utility Payments: Pay your Mobile, Landline, Internet, water and Electricity bills with local utility providers Branch, ATM, CDM Locator: find and get directions to the nearest service point of Dhofar Islamic Islamic services in very interactive and easy way. Service Request: Immediate Cheque book request without visiting the branch. Athan Timings: Stay updated with the Athan timings of major cities in Oman. Qiblah Direction: find Qiblah direction wherever you go. Others Features: Product Information, Exchange Rates, Deposit Rates, Mudarabah Weightages, Offers, Contact Us مرحباً بكم في تجربة جديدة! يوفر تطبيق ظفار الإسلامي للخدمات المصرفية عبر الهاتف النقال الراحة والأمن لمستخدميه من الزبائن المسجلين و غير المسجلين . كما يوفر التطبيق للمستخدم تجربة لا تُضاهى إضافةً إلى العديد من الميزات الجديدة باللغتين الإنجليزية والعربية إما من خلال الإستفادة من الخدمات المصرفية عبر الهاتف النقال أو من خدمات المحفظة الإلكترونيه مما يجعله الأفضل من نوعه. يسمح التطبيق للزبائن بالتسجيل الذاتي بإستخدام بيانات بطاقة الصراف الآلي للوصول إلى حساباتهم من الهواتف النقالة أو أجهزة الكمبيوتر الذكية مجانا، وامكانية التحقق من أرصدة حساباتهم، وتحديد مواقع أجهزة الصراف الآلي، وأجهزة الإيداع النقدي، ومواقع الفروع، ودفع الفواتير، وتحويل الأموال على مدار الساعة، وطوال أيام الأسبوع. المميزات: التسجيل الذاتي: طريقة سريعة وسهلة للتسجيل. تسجيل الدخول عن طريق كلمة المرور فقط: طريقة مبسطة لتسجيل الدخول. خدمات الحساب: معلومات شاملة عن حسابات الزبائن. تحويل الأموال: القدرة على تحويل المبالغ بين حسابات الزبون أو أي طرف ثالث ضمن زبائن ظفار الإسلامي أو إلى أي بنك آخر داخل سلطنة عُمان. التحويل الفوري: استمتع بالتحويل الفوري للأموال إلى أي بنك داخل سلطنة عُمان في أي يوم وأي وقت. المحفظة الإلكترونية: تحويل الأموال فورياً بإستخدام رقم الهاتف النقال. الحصول على النقد بدون الحاجة لاستعمال بطاقة صراف آلي: تمتع بميزة سحب النقود من أقرب صراف الآلي تابع لظفار الإسلامي فقط بإستخدام التطبيق. تعبئة رصيد الهاتف النقال: يمكن للمستخدمين إعادة تعبئة رصيد الهاتف النقال للبقاء على تواصل مستمر لكل من شبكات عُمان موبايل، وأوريدو، وفرندي، ورنه. سداد الفواتير: امكانية دفع فواتير الهاتف النقال، والهاتف الثابت، والإنترنت، والمياه والكهرباء محلياً. تحديد أقرب فرع، وجهاز صراف آلي، وجهاز إيداع نقدي: العثور على أقرب فرع أو جهاز صراف آلي مع امكانية الحصول على الاتجاهات إلى أقرب مركز خدمة لظفار الإسلامي للخدمات الإسلامية بطريقة تفاعلية وسهلة للغاية. طلب الخدمة: طلب دفتر شيكات فوري دون زيارة الفرع. أوقات الاذان: عرض مواقيت الاذان للمدن الرئيسية بالسلطنة. اتجاه القبلة: إيجاد اتجاه القبلة أينما ذهبت. ميزات أخرى: عرض معلومات حول المنتجات، وأسعار الصرف، ومعدلات الأرباح على الودائع، ونسب أرباح المضاربة، والعروض، أو التواصل معنا.

About

Modern Exchange

Easily send money internationally with a streamlined registration and remittance process. Track transaction history, manage beneficiaries, and compare exchange rates for the best deals. This compliant financial institution prioritizes technology and customer experience.

Highlights
  • Easy customer registration
  • One-step remittance process
  • Transaction history tracking
  • Beneficiary management
  • Exchange rate comparison
  • Download transaction receipts
Features
Read full description

Modern Exchange app enables the customers to remit their money in 1-step process. Modern Exchange App Features: #Easy Customer Registration: You can activate your Modern Exchange account in just 4 steps and explore all the online features right from your mobile phone. #Remittance: Select the transaction details based on your beneficiary and click "Remit Now" for requesting remittance. #Transaction History: View your past transaction details in one-click using the My Transactions tab and download past transaction receipts of your choice. #Beneficiary Listing: View your beneficiary details from the Beneficiaries tab and view more details of your favorite beneficiary. #Exchange Rate: Explore the exchange rate for the currency pair you have selected, pick the best rate provider and remit through the same. Ease your remittance process by the best rates and transfer your money. #About Modern Exchange - At Modern Exchange, we pride ourselves on being a Compliant Global Financial Institution, by continuously investing in our technology and our people for ensuring maximum compliance in respect of best practices for AML and KYC processes. At the same time, we keep trying to improve the customer experience at our branches and our digital delivery systems. So please do join us in becoming a valued member of Modern Exchange’s extended family, if you already are not one. We promise to beat your expectations, not just meet them.

Screenshots

DHOFAR ISLAMIC3 screens
Modern Exchange4 screens

Verdict

The call

The clearest difference is rating: DHOFAR ISLAMIC at 3.2 against Modern Exchange's 2.3. DHOFAR ISLAMIC also leads on review sentiment (50% vs 14%). On price, ratings volume, update cadence and ads 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

DHOFAR ISLAMIC holds the better App Store score, 3.2 against 2.3. Both are backed by a comparable volume of ratings — 5 and 3 respectively. Written reviews point the same way: 50% of DHOFAR ISLAMIC's written reviews are positive against 14% of Modern Exchange's.

UpkeepUpdate frequency

DHOFAR ISLAMIC ships an update monthly, Modern Exchange every 3 weeks. Both last shipped on October 24, 2026.

Scorecard2 real differences · 8 level
DHOFAR ISLAMIC versus Modern Exchange: the parameters behind the verdict, then further details
ParameterDHOFAR ISLAMICModern Exchange
PriceFreeFree
Rating3.2 (5 ratings) — better2.3 (3 ratings)
Positive reviews50.0% of reviews — better14.3% of reviews
Number of ratings5 — better3
Update frequencyMonthlyEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.615.5 — better
Further details — not scored
Size212 MB121 MB
Age rating4+4+
DeveloperBANK DHOFAR SAOGMODERN EXCHANGE COMPANY LLC.

Customer experience

DHOFAR ISLAMIC

All ratings5 ratings
Positive60.0%
Neutral0.0%
Negative40.0%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

Modern Exchange

All ratings3 ratings
Positive33.3%
Neutral0.0%
Negative66.7%
Written reviews7 reviews
Positive14.3%
Neutral0.0%
Negative85.7%

In-app purchases

None

DHOFAR ISLAMIC

No in-app purchases

None

Modern Exchange

No in-app purchases

Questions

Is DHOFAR ISLAMIC free?
DHOFAR ISLAMIC is free to download, with no in-app purchases.
Is Modern Exchange free?
Modern Exchange is free to download, with no in-app purchases.
Which has better reviews, DHOFAR ISLAMIC or Modern Exchange?
DHOFAR ISLAMIC is rated higher. DHOFAR ISLAMIC averages 3.2 out of 5 from 5 ratings, while Modern Exchange averages 2.3 from 3 ratings.
Do DHOFAR ISLAMIC or Modern Exchange have ads?
Neither DHOFAR ISLAMIC nor Modern Exchange shows ads.
Which is updated more often, DHOFAR ISLAMIC or Modern Exchange?
DHOFAR ISLAMIC ships an update monthly, and Modern Exchange every 3 weeks. Most recently, DHOFAR ISLAMIC was updated on October 24, 2026 and Modern Exchange on October 24, 2026.

Other comparisons