Thawani Pay vs Mala’ati
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Thawani Pay
Manage your finances digitally with a secure and intuitive platform. Pay bills, send money locally and internationally, and access financial services like insurance and microfinance. Explore digital products and use prepaid cards for seamless transactions.
- Bill payments
- QR code payments
- Local money transfers
- International remittances
- Digital insurance
- Microfinance management
- Prepaid card activation
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Thawani Pay is licensed by the Central Bank of Oman as a non-bank payment service provider. Thawani is the first fintech in Oman to secure a Visa license for future credit card issuance, a national milestone. Shop digital products and services through Thawani Store and use Mojab Visa prepaid cards. Thawani Pay brings shopping and everyday financial services together in one app. With Thawani Pay, you can: • Discover and shop digital products and services in Thawani Store. • Activate and use Mojab Visa prepaid cards. • Pay utility bills and other supported services. • Pay participating merchants by QR. • Transfer money locally within Oman, via mobile transfers, bank transfers and wallet transfers • Send international remittances to India, Pakistan, Indonesia, Philippines and 200+ countries • Get digital car insurance in minute. • Microfinance services on Thawani store • Explore Sama exclusive offers and redeem eligible offers by scanning QR codes. Thawani Pay brings shopping, cards and everyday financial services together in one app.
Mala’ati
Access your credit report conveniently from your iPhone or iPod. This self-inquiry platform empowers individuals to check their financial standing anytime, anywhere. It provides a straightforward way to review your credit information.
- Access credit reports
- Self-inquiry platform
- Financial information access
- Mobile convenience
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Mala'ati is self-inquiry platform for individuals. The platform will help you access to your credit report anytime and anywhere.
Screenshots
Verdict
The clearest difference is rating: Thawani Pay at 3.4 against Mala’ati's 2.7. Thawani Pay also leads on update cadence (fortnightly vs every 4 months) and ratings volume (48 vs 3). On price, review sentiment, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Thawani Pay holds the better App Store score, 3.4 against 2.7. That said, the two scores are not equally well evidenced: Thawani Pay has 48 ratings behind it against 3, so its average is the more settled of the two. Written reviews complicate that: 44% of Thawani Pay's written reviews are positive against 50% of Mala’ati's, so the app with the better star average is not the one people write more warmly about.
Thawani Pay ships an update fortnightly, Mala’ati every 4 months. The most recent releases landed on November 11, 2026 and November 3, 2026 respectively.
| Parameter | Thawani Pay | Mala’ati |
|---|---|---|
| Price | Free | Free |
| Rating | 3.4 (48 ratings) — better | 2.7 (3 ratings) |
| Positive reviews | 44.4% of reviews | 50.0% of reviews — better |
| Number of ratings | 48 — better | 3 |
| Update frequency | Fortnightly — better | Every 4 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.6 | 15.1 — better |
| Further details — not scored | ||
| Size | 152 MB | 41 MB |
| Age rating | 17+ | 17+ |
| Developer | Thawani Technologies LLC | Oman Credit & Financial Information Centre (Mala'a) |
Customer experience
Thawani Pay
Mala’ati
In-app purchases
Thawani Pay
No in-app purchases
Mala’ati
No in-app purchases
