Comparison

Malaa | ملاءة vs D360 Bank

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

Head to head
About

Malaa | ملاءة

This financial app helps you track spending, save money, and grow your wealth through investments. It securely links your bank accounts, categorizes transactions, and offers personalized investment portfolios managed by experts. It is regulated and Shariah compliant, with low management fees.

Highlights
  • Track all bank accounts in one place
  • Automatic transaction categorization
  • Budget creation and tracking
  • Personalized investment portfolios
  • Shariah compliant investments
  • Automatic Zakat calculation and payment
  • Low annual management fee
Features
Read full description

Meet Malaa: your all-in-one financial app that helps you track, save, and grow your money! Effortlessly integrate your bank accounts, view your spending patterns, and boost your savings through investments. Regulated under Saudi Central Bank's guidelines and Saudi Capital Market Authority, our priority is helping you understand your financial data, not capitalizing on it. + Monitor all your bank accounts: Our integration brings together all your bank accounts in one place, so you can see your spending and earnings at a glance. No more logging in to multiple accounts or manually entering transactions. We automate the expense tracking to help you stay on top of your finances. Malaa integration with your bank is compliant with the Saudi Central Bank's guidelines for open banking, so you can rest assured that your financial data is encrypted. + Know where you spend your money: Our new categorization engine will automatically categorize your transactions so you can see exactly where your money is going. No more guessing! you can create budgets for different categories of spending, like groceries, transportation, and entertainment. Then, our engine will automatically allocate each transaction to its corresponding budget, so you can easily control your spending. + Take a deeper look at your finances: Get key insights about your finances so you can make smart decisions. Customize your analytics report to track what's most important to you, and quickly view balances, categories across all of your accounts. See past transactions to understand your spending and make sure you're on track to reach your financial goals. + Grow your savings with investments: with just a few questions, our algorithm will create a personalized investment portfolio that meets your risk tolerance and financial goals. You can deposit money easily with Mada, Visa, Mastercard, Apple Pay, or bank transfer. And our team of investment experts will manage your portfolio for you, so you can relax and focus on other things. Our investments have been reviewed by the Shariyah Review Bureau making it Shariah compliant, we also automatically calculate and pay your zakat for you, so you don't have to worry about it. Malaa offers the lowest annual management fee in Saudi Arabia at 0.35%. You can start investing today with as low as 1000 SAR for your initial deposit, and 50 SAR for subsequent deposits.

About

D360 Bank

This digital bank offers Sharia-compliant financial services with a focus on customer empowerment and affordability. Open an account quickly, enjoy fast transactions, and benefit from competitive pricing with no hidden fees. Experience secure and convenient banking from anywhere, anytime.

Highlights
  • Seamless onboarding
  • Fast transactions and transfers
  • Competitive pricing
  • No foreign currency fees
  • Transparent fee structure
  • Personalized customer support
  • Top-tier security technology
Features
Read full description

Welcome to D360 Bank, the innovative Saudi Sharia-compliant digital bank that puts you at the center of everything we do and empowers your financial control through the D360 Bank App. With our seamless onboarding process, you can start banking in no time. Say goodbye to the limitations of physical branches, high fees, and complex banking tools. Features: • Easy onboarding steps: Open your bank account in less than 2 minutes! • Fast banking: Enjoy fast transactions and transfers with our D360 Bank App. • Competitive prices: Save more with free monthly transfers and spend without foreign currency fees. • Convenience: Bank from anywhere, anytime with our D360 Bank App. • Transparency: No hidden fees. • Personalized support: Our customer support team is always ready to help you at any time. What Sets Us Apart? D360 Bank prioritizes customer empowerment, accessibility, affordability, and Islamic ethics, availing a new era of digital banking. Security Assured We invest in and use top-tier security technology that guards your finances and information around the clock, ensuring a banking journey you can trust implicitly. Open Your Account in 2 Minutes Ready for a banking experience designed to meet your needs? Download D360 Bank app, open your account today, and enjoy an exceptional banking experience!

Screenshots

Malaa | ملاءة4 screens
D360 Bank4 screens

Verdict

The call

The clearest difference is ads: Malaa | ملاءة at none against D360 Bank's shown. Malaa | ملاءة also leads on review sentiment (62% vs 35%) and monetization model (free vs ad-supported). On price, rating, ratings volume and update cadence 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

On the App Store both sit at effectively the same score — 4.6 for Malaa | ملاءة against 4.5 for D360 Bank. Both are backed by a comparable volume of ratings — 368 and 802 respectively. Written reviews are what separate them: 62% of Malaa | ملاءة's written reviews are positive against 35% of D360 Bank's.

UpkeepUpdate frequency

Malaa | ملاءة ships an update every 10 days, D360 Bank every 9 days. The most recent releases landed on October 29, 2026 and October 30, 2026 respectively.

Scorecard3 real differences · 7 level
Malaa | ملاءة versus D360 Bank: the parameters behind the verdict, then further details
ParameterMalaa | ملاءةD360 Bank
PriceFreeFree
Rating4.6 (368 ratings) — better4.5 (802 ratings)
Positive reviews61.8% of reviews — better35.3% of reviews
Number of ratings368802 — better
Update frequencyEvery 10 daysEvery 9 days — better
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhoneiPhone, iPod — better
Requires iOS16.415.0 — better
Further details — not scored
Size125 MB237 MB
Age rating4+4+
DeveloperMala'a For Information Technology CompanyD360 Bank

Customer experience

Malaa | ملاءة

All ratings368 ratings
Positive88.6%
Neutral3.3%
Negative8.2%
Written reviews34 reviews
Positive61.8%
Neutral2.9%
Negative35.3%

D360 Bank

All ratings802 ratings
Positive87.4%
Neutral1.5%
Negative11.1%
Written reviews102 reviews
Positive35.3%
Neutral1.0%
Negative63.7%

User reviews

Malaa | ملاءة

From 368 App Store ratings

What we love

  • 👍 Excellent app for tracking spending
  • 👍 Great for saving and investment
  • 👍 User-friendly interface
  • 👍 Good customer service
  • 👍 Low administrative fees

Room to improve

  • 👎 Low profits/returns mentioned by some users
  • 👎 High minimum deposit requirement
  • 👎 Investment losses reported by some users
  • 👎 Lack of US investment funds for long-term goals
  • 👎 Unclear and strange withdrawal fees

D360 Bank

From 802 App Store ratings

What we love

  • 🚀 Fast international transfers with competitive exchange rates
  • 💰 No fees for domestic and international transfers
  • 👍 Simple and intuitive user interface design
  • 🌍 Excellent service for travelers and expatriates
  • 💳 Easy account setup process (when approved)

Room to improve

  • 😤 Extremely long account opening delays (months of waiting)
  • 🔒 Frequent account freezing without clear explanation
  • 📞 Poor customer service responsiveness and unhelpful support
  • ⏱️ Slow issue resolution and unresolved support tickets
  • 💸 Inconsistent transfer limits and unfair restrictions

Bugs and requests

Malaa | ملاءة

Reported bugs

8 issues
  • App not working after last update, unable to access funds
  • Unable to link bank accounts (Alinma and others)
  • Support page not opening
  • Spend analysis screen fails to load
  • Visa card not readable
Show 3 more
  • Withdrawal fees are unclear and strange
  • Discrepancy between sell price and wallet balance
  • App only supports specific banks, long waiting times for others

Requested features

11 requests
  • Add US investment funds for long-term investment
  • Add Widget for portfolio tracking
  • Make seller name optional
  • Allow customization of the home page (e.g., add budgets, remove recent expenses)
  • Support STC Pay for faster transactions
Show 6 more
  • Add a widget for quick expense logging
  • Add more colors and change the app's style
  • Add automatic night mode based on device settings
  • Allow importing expenses from other apps
  • Enable creation of multiple spending wallets (general, games, travel)
  • Add investment portfolios for dividends

D360 Bank

Reported bugs

10 issues
  • App crashes and frequent freezing
  • Slow app loading and performance issues
  • Location permission requirement blocking app access
  • Login failures and SMS code input issues
  • Apple Wallet integration not working
Show 5 more
  • App incompatibility with iPhone 14 and newer devices
  • Keyboard not appearing for SMS code entry
  • Pending transactions stuck for extended periods
  • Refund processing delays exceeding 30 days
  • International transfers not credited to destination accounts

Requested features

8 requests
  • Physical bank branches or better in-person support
  • Account number visibility in app
  • Account deletion option within the app
  • Support for American Express cards
  • Improved daily withdrawal limits
Show 3 more
  • Better international payment tracking
  • Faster account opening without waiting list
  • More transparent account freezing policies

In-app purchases

None

Malaa | ملاءة

No in-app purchases

None

D360 Bank

No in-app purchases

Questions

Is Malaa | ملاءة free?
Malaa | ملاءة is free to download, with no in-app purchases.
Is D360 Bank free?
D360 Bank is free to download, with no in-app purchases.
Which has better reviews, Malaa | ملاءة or D360 Bank?
Malaa | ملاءة is rated higher. Malaa | ملاءة averages 4.6 out of 5 from 368 ratings, while D360 Bank averages 4.5 from 802 ratings.
Do Malaa | ملاءة or D360 Bank have ads?
D360 Bank shows ads; Malaa | ملاءة does not.
Which is updated more often, Malaa | ملاءة or D360 Bank?
Malaa | ملاءة ships an update every 10 days, and D360 Bank every 9 days. Most recently, Malaa | ملاءة was updated on October 29, 2026 and D360 Bank on October 30, 2026.

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