Comparison

هكبه | Hakbah vs Sukuk | صكوك

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

Sukuk | صكوك

Invest in sukuk and earn periodic returns with this app. Explore various investment opportunities, track your portfolio, and manage your cash flow. Start investing with as little as 1,000 riyals and enjoy rewarding returns.

Highlights
  • Invest in sukuk
  • Periodic earnings (monthly, quarterly, semi-annual)
  • Average annual returns of 12.5%
  • Invest from 1,000 riyals
  • Browse and select opportunities
  • Track investments and cash flow
  • Calculate portfolio returns
Features
Read full description

Sukuk Capital is the main gateway to invest in sukuk and get periodic earnings. In sukuk, more than 160 million riyals have been distributed to investors since 2021. Why Sukuk? ● Fixed periodic earnings (monthly - quarterly - semi-annual) ● rewarding returns; Average annual returns of 12.5% ● Invest with 1,000 riyals only! Explore opportunities: ● Browse renewal opportunities ● Choose the right opportunities for you in terms of: returns, durations, and dividend distribution periods ● Read the details of the investment opportunity: financing use cases, type of sukuk, and its structure ● Favorite your opportunities to return to them in the future Invest in Sukuk: ● Save your investments until the investing starts ● Invest directly through the app ● Track your investments: ● Track your cash flow ● Calculate the return on your investment portfolio ● Review your financial and investment operations Share investment opportunities: ● Invite your family and friends to invest in Sukuk ● Share your favorite opportunities ● Register now and start investing from 1,000 SAR. Sukuk Capital is subject to the provisions of Islamic Sharia and authorized by the Capital Market Authority.

Screenshots

هكبه | Hakbah4 screens
Sukuk | صكوك4 screens

Verdict

The call

هكبه | Hakbah and Sukuk | صكوك are too close to call on the numbers: across 10 compared parameters — price, rating, review sentiment and ratings volume among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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

On the App Store both sit at effectively the same score — 4.6 for هكبه | Hakbah against 4.7 for Sukuk | صكوك. Both are backed by a comparable volume of ratings — 2K and 972 respectively. Written reviews are what separate them: 35% of هكبه | Hakbah's written reviews are positive against 32% of Sukuk | صكوك's.

UpkeepUpdate frequency

هكبه | Hakbah ships an update monthly, Sukuk | صكوك every 2 weeks. The most recent releases landed on October 17, 2026 and October 16, 2026 respectively.

ScorecardNo meaningful differences
هكبه | Hakbah versus Sukuk | صكوك: the parameters behind the verdict, then further details
Parameterهكبه | HakbahSukuk | صكوك
PriceFreeFree
Rating4.6 (2K ratings)4.7 (972 ratings) — better
Positive reviews35.3% of reviews — better31.6% of reviews
Number of ratings2K — better972
Update frequencyMonthlyEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS14.0 — better15
Further details — not scored
Size74 MB195 MB
Age rating12+4+
DeveloperHakbahSukuk Capital

Customer experience

هكبه | Hakbah

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

Sukuk | صكوك

All ratings972 ratings
Positive92.3%
Neutral2.4%
Negative5.3%
Written reviews19 reviews
Positive31.6%
Neutral15.8%
Negative52.6%

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

Sukuk | صكوك

From 972 App Store ratings

What we love

  • 🌹 Positive review
  • 🌹 Positive review
  • 🌹 Positive review
  • 🌹 Positive review

Room to improve

  • 🐛 App crashes
  • 🐛 App not working
  • 🐛 Unclear purchase process
  • 🐛 Excessive advertisements
  • 🚫 No English language support

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

Sukuk | صكوك

Reported bugs

3 issues
  • App crashes
  • App not working
  • Issues with GCC ID registration

Requested features

3 requests
  • Add English language support
  • Add payment methods (e.g. Apple Pay)
  • Restore saved opportunities feature

In-app purchases

None

هكبه | Hakbah

No in-app purchases

None

Sukuk | صكوك

No in-app purchases

Questions

Is هكبه | Hakbah free?
هكبه | Hakbah is free to download, with no in-app purchases.
Is Sukuk | صكوك free?
Sukuk | صكوك is free to download, with no in-app purchases.
Which has better reviews, هكبه | Hakbah or Sukuk | صكوك?
Sukuk | صكوك is rated higher. هكبه | Hakbah averages 4.6 out of 5 from 2K ratings, while Sukuk | صكوك averages 4.7 from 972 ratings.
Do هكبه | Hakbah or Sukuk | صكوك have ads?
Neither هكبه | Hakbah nor Sukuk | صكوك shows ads.
Which is updated more often, هكبه | Hakbah or Sukuk | صكوك?
هكبه | Hakbah ships an update monthly, and Sukuk | صكوك every 2 weeks. Most recently, هكبه | Hakbah was updated on October 17, 2026 and Sukuk | صكوك on October 16, 2026.

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