Comparison

هكبه | Hakbah vs tiqmo

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

Head to head
About

هكبه | Hakbah

This app facilitates social savings through digital monthly financial groups, allowing users to set goals, manage payments flexibly, and receive funds on a specified date. It offers enhanced control over payments and withdrawals, with options for individual savings and grace periods.

Highlights
  • Digital Jameya (savings groups)
  • Flexible payment control
  • On-demand fund withdrawal
  • Automated Jameya withdrawal
  • Grace period (Imhal) service
  • Individual Jameya option
  • AI-powered savings engine
Features
Read full description

Hakbah: Social Savings that help & collaborate! Saudi Arabia's largest savings app just got a whole lot better! Trusted by over 1.2 million real users across Saudi Arabia, Hakbah offers social saving through monthly financial Jameya in a modern, digital way with a new, AI-powered savings engine. In this update, we bring you new features, enhanced performance, and unprecedented control to achieve your financial goals faster and smarter. Whether you're saving for a car down payment, a well-deserved vacation, tuition fees, house rent, or simply want to save your money in a way that helps others and earns you savings rewarding in cash back – Hakbah is for you. Why Hakbah is the Best Choice for Social Saving in Saudi Arabia: Largest Community: Join the biggest network of savers in Saudi Arabia! Over 1.2 million real users on their social saving journey with Hakbah. Unmatched Control: We listened to you! Pay all future monthly payments anytime: Enjoy unprecedented flexibility! You can now pay all upcoming Jameya payments whenever it suits you, putting you in complete control of your payments. Receive the Jameya amount whenever you want: Your money, your rules! You now have full control over when to transfer your Jameya funds directly to your bank account in your receiving month. Automated Jameya Withdrawal: Faced an emergency? Or simply changed your mind? You can withdraw from a Jameya automatically, with full transparency. (Imhal) Service: You can request a grace period for your next payment from within the app and easily pay the fees. Individual Jameya: You can join an individual Jameya and pay the full amount upfront, enjoying unprecedented savings rewards. Blazing Fast Performance: Enjoy a smoother, faster, and more responsive app. We've implemented significant improvements and performance enhancements, making your saving journey seamless and enjoyable. Secure & Transparent: Your financial security is our top priority. Hakbah provides a transparent and secure platform for all your saving needs. And Much More! We've packed this release with numerous enhancements and features to boost your overall experience. How Hakbah's Jameya Work: Join a Jameya: Browse available Jameya every Monday and choose the one that suits you. Set Your Goal: Define your saving goal and monthly payment amount. Enjoy: Your Jameya is ready to start. Commit to monthly payments and receive your funds on your specified date. Download Hakbah today and join the leading savings community in the Kingdom! Save... Be proud.

About

tiqmo

Manage your finances with a comprehensive digital app offering prepaid Mastercard options, global money transfers, and bill payments. Gain insights into spending, track budgets, and access an integrated marketplace for mobile recharges and e-vouchers.

Highlights
  • Prepaid Mastercard options (Standard Mada, Platinum)
  • Global and local money transfers
  • International and local bill payments (SADAD integration)
  • Spending insights and budget tracking
  • Integrated marketplace for mobile recharge and e-vouchers
  • ATM cash withdrawal
Features
Read full description

TIQMO is a financial lifestyle digital app designed to revolutionize your financial experience. Seamlessly blending speed, convenience, and security, TIQMO offers a comprehensive range of financial services tailored to meet your every need in the Kingdom of Saudi Arabia. Effortlessly manage your finances with TIQMO's array of cutting-edge features. Discover the freedom of choice with our digital and physical prepaid Mastercard options. Whether it's the Standard Mada Mastercard or the Platinum Mastercard with competitive cashback offers, TIQMO's prepaid cards empower you to make local and international payments, indulge in online purchases, and breeze through POS transactions. Need cash on the go? Our physical prepaid cards let you withdraw funds hassle-free from ATMs. Say goodbye to the complexities of international money transfers. With TIQMO, sending and receiving money globally is a breeze. Seamlessly transfer funds to other wallets or IBAN accounts with remarkable ease. You can even opt for cash pick-up at our partner locations, ensuring your loved ones can access the money wherever they may be. Leave the hassles of bill payments behind. TIQMO simplifies the process, allowing you to settle international bills conveniently and securely. With just a few clicks, effortlessly manage your local bill payments through our seamless integration with SADAD. Take control of your financial well-being with TIQMO's intuitive interface. Gain valuable insights into your spending habits, effortlessly track your budget, and make informed financial decisions like never before. TIQMO's user-friendly platform ensures your financial goals are within reach. Step into a world of endless possibilities with TIQMO's integrated marketplace. Access a wide range of local and international mobile recharge products and e-vouchers for gaming and popular stores. Enjoy the convenience of making purchases right within the app, unlocking a world of possibilities at your fingertips. TIQMO takes the hassle out of local money transfers within the Kingdom of Saudi Arabia. Effortlessly send money to friends, family, or businesses, and experience the seamless transaction process that sets TIQMO apart. At TIQMO, we are committed to transforming the way you engage with your finances. Our mission is to provide innovative financial solutions that empower you to embrace a digital financial lifestyle. Join us on this exciting journey and experience the future of finance with TIQMO – where convenience, security, and limitless possibilities await you. Discover the power of TIQMO app and embark on a financial journey like no other.

Screenshots

هكبه | Hakbah4 screens
tiqmo4 screens

Verdict

The call

The clearest difference is rating: هكبه | Hakbah at 4.6 against tiqmo's 4.2. هكبه | Hakbah also leads on monetization model (free vs free with in-app purchases) and ratings volume (2K vs 354). tiqmo's advantage is update cadence (weekly vs monthly) and review sentiment (44% vs 35%). 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.

ReceptionRating · Positive reviews · Number of ratings

هكبه | Hakbah holds the better App Store score, 4.6 against 4.2. That said, the two scores are not equally well evidenced: هكبه | Hakbah has 2K ratings behind it against 354, so its average is the more settled of the two. Written reviews complicate that: 35% of هكبه | Hakbah's written reviews are positive against 44% of tiqmo's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

هكبه | Hakbah ships an update monthly, tiqmo weekly. The most recent releases landed on September 23, 2026 and September 19, 2026 respectively.

Scorecard5 real differences · 5 level
هكبه | Hakbah versus tiqmo: the parameters behind the verdict, then further details
Parameterهكبه | Hakbahtiqmo
PriceFreeFree
Rating4.6 (2K ratings) — better4.2 (354 ratings)
Positive reviews35.3% of reviews44.4% of reviews — better
Number of ratings2K — better354
Update frequencyMonthlyWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPodiPhone, iPod
Requires iOS14.0 — better15.6
Further details — not scored
Size74 MB124 MB
Age rating12+4+
DeveloperHakbahTiqmo

Customer experience

هكبه | Hakbah

All ratings2,039 ratings
Positive90.4%
Neutral2.6%
Negative7.0%
Written reviews116 reviews
Positive35.3%
Neutral6.0%
Negative58.6%

tiqmo

All ratings354 ratings
Positive80.8%
Neutral0.8%
Negative18.4%
Written reviews90 reviews
Positive44.4%
Neutral2.2%
Negative53.3%

User reviews

هكبه | Hakbah

From 2K App Store ratings

What we love

  • 🚀 Great app
  • 🚀 Excellent service
  • 👍 Awesome app
  • 👍 Wonderful experience
  • 👍 Efficient and professional

Room to improve

  • 🐛 Delayed response
  • 🐛 Technical issues
  • 🐛 Poor customer service
  • 🐛 Unreliable app
  • 💰 High fees

tiqmo

From 354 App Store ratings

What we love

  • 💸 Generous cash back
  • 🚀 Fast international transfers
  • 💳 Convenient bill payments
  • 🗂️ Helpful budgeting tools
  • 🔒 Reliable and secure

Room to improve

  • 🚫 Mandatory location access
  • 🤖 Buggy app performance
  • ❌ Failed international/local transfers
  • 🕰️ Slow customer support response
  • 💰 Unexpected fees and charges

Bugs and requests

هكبه | Hakbah

Reported bugs

4 issues
  • Login issues
  • Freezing app
  • Incorrect payment processing
  • Unavailable associations

Requested features

4 requests
  • Flexible payment options
  • Improved user interface
  • Better communication with customers
  • Expanded selection of associations

tiqmo

Reported bugs

4 issues
  • Login and account verification issues
  • Frequent app crashes and freezes
  • Delayed or failed money transfers
  • Inconsistent cash back application

Requested features

4 requests
  • Improved international transfer experience
  • Enhanced security and privacy controls
  • Seamless integration with other financial apps
  • More transparent cash back policies

In-app purchases

None

هكبه | Hakbah

No in-app purchases

None

tiqmo

No in-app purchases

Questions

Is هكبه | Hakbah free?
هكبه | Hakbah is free to download, with no in-app purchases.
Is tiqmo free?
tiqmo is free to download, with no in-app purchases.
Which has better reviews, هكبه | Hakbah or tiqmo?
هكبه | Hakbah is rated higher. هكبه | Hakbah averages 4.6 out of 5 from 2K ratings, while tiqmo averages 4.2 from 354 ratings.
Do هكبه | Hakbah or tiqmo have ads?
Neither هكبه | Hakbah nor tiqmo shows ads.
Which is updated more often, هكبه | Hakbah or tiqmo?
هكبه | Hakbah ships an update monthly, and tiqmo weekly. Most recently, هكبه | Hakbah was updated on September 23, 2026 and tiqmo on September 19, 2026.

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