Comparison

SAIB Mobile vs ZATCA

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

Head to head
About

SAIB Mobile

Manage your finances with a secure and intuitive mobile banking app. Perform transactions, pay bills, transfer funds, and manage your cards and investments all from your smartphone.

Highlights
  • User registration and quick login options
  • Dashboard for account overview and transaction monitoring
  • Seamless fund transfers and bill payments
  • Comprehensive card management (mada, credit, travel)
  • Apply for and manage finance products (loans)
  • Investment portfolio overview and market updates
Features
Read full description

Welcome to the future of banking with the Saudi Investment Bank‘s all-new Mobile Banking App! Designed with cutting-edge technology and a sleek intuitive user interface. Our app delivers an unparalleled banking experience at your fingertips. Whether you are at home, at work, or on the go, the SAIB Mobile App is your reliable partner for seamless, secure, and swift financial management. 1. User Registration and Setup:
 New to SAIB? Easily register through the app’s seamless process. After registration, enable quick login options such as Face ID, Touch ID, or a secure passcode for future logins. You can also save your credentials to simplify future access without compromising security. 2. Login Options:
 Our app offers a range of secure login methods tailored to your preference. You can log in using a traditional username and password or opt for faster, more convenient methods like biometrics or PIN logins. 3. Dashboard Overview:
 Manage all your finances at a glance with our dashboard. View account balances, monitor transactions, pay bills, and transfer money seamlessly to your favorate beneficiaries. With easy access to essential banking features, your financial management has never been more efficient. 4. Account and Profile Management:
 Manage profile settings, preferences and even customize the app theme effortlessly. You can open new additional accounts instantly within the app. Everything you need to personalize your banking experience is just a few taps away. 5. Transfers & Payments:
 Effortlessly transfer funds to your accounts or beneficiaries, both locally and internationally. The app supports a variety of payment options, including quick transfers and bill payments for utilities and government services. You can also manage recurring payments with a simple, streamlined process. All payments are handled securely and quickly for your convenience. 6. Card Management:
 From mada cards to travel and credit cards, SAIB Mobile banking allows you to manage all your cards in one place. View balances, transaction history, and activate or block cards as needed. Add cards to Apple Wallet for seamless, contactless payments. You can also control spending limits, manage PIN settings. With comprehensive tools, you’ll have complete control over your cards anytime, anywhere. 7. Finance Products:
 Stay on top of your finances with an integrated dashboard that provides an overview of your current loan, repayment schedules, and details. You can apply for new loans, including personal or home finance, and even refinance existing ones. Manage overdue payments, early settlements, or explore new financing options directly through the app, ensuring you have the financial flexibility you need. 8. Investment Services:
 Have an updated insight of your investment portfolio with ease. SAIB Mobile Banking offers comprehensive investment services including an overview of your investments, view market updates, IPO subscriptions and even subscribing to new funds with just a few taps. 9. Contact and Help Center:
 Need assistance? SAIB Mobile Banking provides instant support through live chat and a dedicated FAQ section covering accounts, transactions, and cards. For further support you can submit requests, complaints, or track the status of your previous interactions directly through the app. 10. Marketplace & Loyalty Program:
 Maximize your banking experience with SAIB’s exclusive loyalty program. Track your points, view rewards, and redeem them for a variety of benefits, including travel miles, cash, or exclusive offers. Explore gift vouchers, partner deals, and other special promotions designed just for you. Revolutionize Your Banking Today! With SAIB’s new Mobile Banking App, we’re transforming the way you manage your finances—putting you in control of your money in a more efficient, secure, and personalized way. Whether you’re paying bills, managing your accounts, or seeking financial advice, you’ll find everything you need in one place.

About

ZATCA

Manage your zakat and tax profiles with this official government application. Submit declarations, view invoices and certificates, and request refunds securely. Supports Arabic and English languages.

Highlights
  • Submit zakat declarations
  • Submit VAT declarations
  • View due invoices
  • View zakat and tax certificates
  • Submit refund requests
  • Privacy and information security
Features
Read full description

ZATCA, is the official app of The Zakat, Tax and Customs Authority that enables taxpayers to manage their zakat and tax profiles among wide collection of services and benefits, here is the most important benefits: • Submit the estimated zakat declarations. • Submit VAT declarations. • View invoices due. • View zakat and tax certificates. • Submit refund requests. This app protects privacy and information security, users can view all commitments and information related to commercial entities easily and safely. The app supports Arabic and English languages.

Screenshots

SAIB Mobile4 screens
ZATCA4 screens

Verdict

The call

The clearest difference is review sentiment: SAIB Mobile at 63% against ZATCA's 16%. SAIB Mobile also leads on rating (4.8 vs 4.3) and ratings volume (3.3K vs 176). ZATCA's advantage is device support (3 vs 1). On price, update cadence, 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

SAIB Mobile holds the better App Store score, 4.8 against 4.3. That said, the two scores are not equally well evidenced: SAIB Mobile has 3.3K ratings behind it against 176, so its average is the more settled of the two. Written reviews point the same way: 63% of SAIB Mobile's written reviews are positive against 16% of ZATCA's.

UpkeepUpdate frequency

SAIB Mobile ships an update every 2 weeks, ZATCA fortnightly. The most recent releases landed on October 22, 2026 and October 23, 2026 respectively.

Scorecard4 real differences · 6 level
SAIB Mobile versus ZATCA: the parameters behind the verdict, then further details
ParameterSAIB MobileZATCA
PriceFreeFree
Rating4.8 (3.3K ratings) — better4.3 (176 ratings)
Positive reviews63.1% of reviews — better16.1% of reviews
Number of ratings3.3K — better176
Update frequencyEvery 2 weeksFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS16.015.0 — better
Further details — not scored
Size168 MB351 MB
Age rating4+4+
DeveloperThe Saudi Investment BankGeneral Authority for Zakat & Tax

Customer experience

SAIB Mobile

All ratings3,320 ratings
Positive94.3%
Neutral0.6%
Negative5.1%
Written reviews111 reviews
Positive63.1%
Neutral3.6%
Negative33.3%

ZATCA

All ratings170 ratings
Positive83.5%
Neutral1.8%
Negative14.7%
Written reviews56 reviews
Positive16.1%
Neutral3.6%
Negative80.4%

Bugs and requests

SAIB Mobile

Reported bugs

2 issues
  • App not working for approximately a month
  • Login issues preventing access to accounts

Requested features

2 requests
  • Expand app availability beyond pilot mode
  • Improve app stability and reliability

ZATCA

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

SAIB Mobile

No in-app purchases

None

ZATCA

No in-app purchases

Questions

Is SAIB Mobile free?
SAIB Mobile is free to download, with no in-app purchases.
Is ZATCA free?
ZATCA is free to download, with no in-app purchases.
Which has better reviews, SAIB Mobile or ZATCA?
SAIB Mobile is rated higher. SAIB Mobile averages 4.8 out of 5 from 3.3K ratings, while ZATCA averages 4.3 from 176 ratings.
Do SAIB Mobile or ZATCA have ads?
Neither SAIB Mobile nor ZATCA shows ads.
Which is updated more often, SAIB Mobile or ZATCA?
SAIB Mobile ships an update every 2 weeks, and ZATCA fortnightly. Most recently, SAIB Mobile was updated on October 22, 2026 and ZATCA on October 23, 2026.

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