Comparison

Thawani Pay vs Surrah App

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

Head to head
About

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.

Highlights
  • Bill payments
  • QR code payments
  • Local money transfers
  • International remittances
  • Digital insurance
  • Microfinance management
  • Prepaid card activation
Read full description

Thawani Pay is Oman’s leading fintech and the first non-bank payment service provider licensed by the Central Bank of Oman. We are also the first fintech in Oman to secure a Visa license to issue credit cards a national milestone. With Thawani Pay, you can manage your daily financial needs through a secure, intuitive, and fully digital experience: • Bill Payments – Pay utilities and services quickly and securely. • QR Pay / Merchant Payments – Make instant payments at partner merchants. • Send Money (Local Transfers) – Transfer funds seamlessly within Oman. • International Remittance – Send money abroad with ease. • Insurance – Access digital insurance services. • Microfinance – Manage microfinance solutions directly in-app. • Mojab Cards – Activate and use Mojab prepaid cards. • Thawani Store – Explore curated digital products. Enjoy a trusted, compliant, and user-friendly platform designed to simplify your financial journey.

About

Surrah App

This app helps you master your money by tracking expenses, managing budgets, and setting savings goals. It offers insights into spending habits, subscription management, and shared financial spaces. Supports multiple currencies and includes bank-level security.

Highlights
  • Smart expense tracking with receipt attachment
  • Customizable budget creation and progress monitoring
  • Savings goal setting and milestone tracking
  • Subscription management with payment reminders
  • Financial insights and spending analytics
  • Shared financial spaces for household management
  • Multi-currency support with automatic conversion
  • Biometric security (Face ID/Touch ID)
Features
Read full description

Take Control of Your Finances with Surrah Surrah is your all-in-one personal finance companion designed to help you master your money. Whether you're tracking daily expenses, managing budgets, or saving for your dreams. - Smart Expense Tracking Record expenses in seconds with categorized tracking. Attach receipts, add notes, and never lose sight of where your money goes. - Budgets That Work Create custom budgets for different spending categories. Track your progress with visual gauges and stay within your limits. Allocate income directly to budgets and watch your financial discipline grow. - Savings Goals Dream big and save smart. Set savings goals with target amounts and deadlines. Track your progress and celebrate when you reach your milestones. - Subscription Tracker Never be caught off guard by recurring payments. Track all your subscriptions in one place with payment reminders. - Powerful Insights Understand your spending habits with beautiful analytics. View daily averages, top categories, spending trends, and monthly projections. - Shared Spaces Manage household finances together. Create shared spaces for family, roommates, or projects. Everyone stays in sync. - Multi-Currency Support Perfect for GCC residents and global citizens. Supports SAR, AED, KWD, USD, EUR, and 30+ currencies with automatic conversion. - Bank-Level Security Your data stays private with Face ID and Touch ID protection. Biometric lock keeps your finances secure. - Beautiful & Bilingual Elegant design in both English and Arabic. RTL support with a native experience in your preferred language. Terms and Conditions: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Thawani Pay4 screens
Surrah App4 screens

Verdict

The call

The clearest difference is review sentiment: Surrah App at 100% against Thawani Pay's 44%. Surrah App also leads on rating (5.0 vs 3.4). Thawani Pay's advantage is in-app purchases (none vs 3) and ratings volume (48 vs 1). On price, update cadence, ads 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. Surrah App sells 3 in-app purchases, starting at $2.99 per 7 days. Thawani Pay asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Surrah App holds the better App Store score, 5.0 against 3.4. That said, the two scores are not equally well evidenced: Thawani Pay has 48 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 44% of Thawani Pay's written reviews are positive against 100% of Surrah App's.

UpkeepUpdate frequency

Thawani Pay ships an update every 2 weeks, Surrah App every 9 days. The most recent releases landed on November 7, 2026 and November 3, 2026 respectively.

Scorecard6 real differences · 4 level
Thawani Pay versus Surrah App: the parameters behind the verdict, then further details
ParameterThawani PaySurrah App
PriceFreeFree
Rating3.4 (48 ratings)5.0 (1 ratings) — better
Positive reviews44.4% of reviews100.0% of reviews — better
Number of ratings48 — better1
Update frequencyEvery 2 weeksEvery 9 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFreemium
DevicesiPhone, iPod — betteriPhone
Requires iOS15.6 — better26
Further details — not scored
Size150 MB75 MB
Age rating17+4+
DeveloperThawani Technologies LLCAmjad Alsulimani

Customer experience

Thawani Pay

All ratings48 ratings
Positive58.3%
Neutral4.2%
Negative37.5%
Written reviews9 reviews
Positive44.4%
Neutral0.0%
Negative55.6%

Surrah App

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Thawani Pay

No in-app purchases

3 purchases

Surrah App

Subscriptions3
  • Surrah +3 Days trial$2.997 Days
  • Surrah +14 Days trial$4.991 Month
  • Surrah +1 Month trial$59.991 Year

Questions

Is Thawani Pay free?
Thawani Pay is free to download, with no in-app purchases.
Is Surrah App free?
Surrah App is free to download, with in-app purchases available.
Which has better reviews, Thawani Pay or Surrah App?
Surrah App is rated higher. Thawani Pay averages 3.4 out of 5 from 48 ratings, while Surrah App averages 5.0 from 1 ratings.
Do Thawani Pay or Surrah App have ads?
Neither Thawani Pay nor Surrah App shows ads.
Which is updated more often, Thawani Pay or Surrah App?
Thawani Pay ships an update every 2 weeks, and Surrah App every 9 days. Most recently, Thawani Pay was updated on November 7, 2026 and Surrah App on November 3, 2026.

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