Rawateb vs NEO

Know exactly when your salary arrives — and where every riyal goes. Rawateb is the all-in-one salary countdown and financial planning app built for employees in Saudi Arabia. Track payday in Gregorian & Hijri, manage your budget, and take control of your finances. SALARY COUNTDOWN • Visual countdown rings showing days until your next salary • Net salary display with GOSI deduction calculated automatically • Citizen Account (حساب المواطن) deposit countdown • Home screen widgets so you always know at a glance FUTURE SALARY CALENDAR • See all upcoming salary dates in both Gregorian and Hijri (Umm Al-Qura) • Schedule salary reminders — from 24 hours to 3 weeks before payday • Never be caught off guard again PAYDAY FINANCIAL SUMMARY • See your net free cash after all deductions at a glance • Breakdown of GOSI, bills, savings clubs, and goals • Know exactly what's left to spend each month PREMIUM FINANCIAL TOOLS: 1. SAVINGS CLUBS (جمعيات) • Create and manage rotating savings groups (Jamiyyat) • Track payments, turns, and progress • Synced across devices with iCloud 2. BUDGET TRACKER • Log income and expenses with monthly summaries • Category breakdowns to see where your money goes 3. SAVINGS GOALS • Set targets and track your progress • Add or withdraw funds as you go 4. OBLIGATIONS & BILLS • Track recurring monthly payments — rent, loans, subscriptions • Set reminders so you never miss a due date 5. AI SALARY COACH • Personalized financial tips based on your salary and spending • Guidance on housing costs, emergency fund, debt-to-income ratio, GOSI ceiling, Zakat reminders, and more 6. FAMILY FINANCIAL HUB • Manage household finances together • Track family members' salaries and shared obligations • Set shared financial goals 7. ZAKAT CALCULATOR • Calculate your Zakat based on Nisab and multiple asset types • Track past calculations and payments 8. SALARY BREAKDOWN • Detailed net salary calculator with GOSI deductions • Supports government, private sector, and military employees • See employer contribution alongside your take-home pay 9. FINANCIAL INSIGHTS • Monthly spending trends and category analysis • Savings progress tracking and wealth snapshots 10. EXPORT • Download your financial data as PDF or CSV 11. MAKE IT YOURS • Choose your theme colors and dark/light mode • Pick from multiple app icon designs • Share beautiful salary countdown cards with friends • Full Arabic and English support with localized numerals and dates Start your free salary countdown today. Upgrade to Premium to unlock the full financial toolkit.

NEO is a smart digital banking app that lets you open an account in minutes, transfer money worldwide, and manage multiple currencies, all in one secure app. Start today and experience secure, fast, and modern digital banking with NEO. Our Services International Money Transfers ● Competitive exchange rates ● Low transfer fees with no hidden costs ● Receiving options tailored to the recipient’s needs ● Earn "NEONS" points when issuing a card Your money reaches the world in moments! Send SAR, USD, EUR, and more worldwide in seconds. No borders, no delays. Multi-Currency Account ● Manage multiple currencies from a single account ● Easily exchange between currencies with no hidden fees ● Perfect for travel enthusiasts and global shoppers ● Supports over 19 currencies, including QAR, USD, EUR, GBP, and more Travel Cards ● Access to international and local airport lounges ● Exclusive discounts ● Uniquely tailored benefits for each card ● Get neons on every purchase Currency Exchange – Best Rates, No Surprises ● Instant exchange through the app with no delays ● Best exchange rates ● No hidden fees ● Supports multiple currencies All in One Digital Banking App Your banking, simplified into one secure app. Key Features: ● Open your bank account in minutes ● Transfer money locally and internationally ● Track your spending and manage expenses ● Earn Neons with every purchase ● Pay bills instantly ● Onboarding Minors (15-18) years old ● Issue and manage your cards ● Request money (Qattah) ● Bank-grade encryption for 24/7 security ● Available for users aged 15 and above Islamic Digital Banking At NEO, we provide a fully integrated digital banking experience, 100% compliant with Islamic Sharia principles, ensuring every financial transaction you make aligns with approved Sharia standards. NEO App is fully compliant with Islamic Sharia standards. Track Your Money – Easily and Securely With the smart tracking feature, you can: ● Monitor all your transactions ● Receive personalized notifications for every financial movement ● Get a clear view of your cash flow with smart income and expense insights, all in one simple dashboard. Stay on top of your spending with smart alerts, income insights, and a simple dashboard. Exclusive Offers & Vouchers Open your account and start enjoying rewards. Neo offers real benefits and valuable promotions that make every transaction count: ● Earn “Neons” points for every Riyal you spend ● Get bonus Neons when you sign up and issue your first card ● Enjoy instant discounts with our partners ● Unlock exclusive offers tailored for you ● Redeem digital vouchers for shopping, dining, and entertainment With NEO, every transaction = added value, Download NEO digital banking app today and let the rewards begin! Flexible Payment Methods Your Card, Is Your Phone or Smartwatch. Pay effortlessly with Apple Pay, Google Pay, Mada Pay, or Samsung Pay. No need to carry a physical card. Request a physical card anytime, delivered straight to your door Smart Payment Benefits: ● Instant, secure payment with a single tap ● Compatible with major smart payment platforms ● Advanced protection to keep your data safe Issue and manage virtual or physical cards anytime. Explore the App Features Your NEO Account Offers: ● Open an account in minutes with our digital banking app ● Issue an instant virtual/physical card ● Multi-currency account ● International money transfer ● local transfer ● Easy transfer using phone number ● Expense tracking and categorization ● Savings & investment calculator ● Government payments ● Freeze or cancel your card instantly ● 24/7 customer support and security Whether you're opening your first account or managing money across currencies, NEO gives you full control with simplicity and security. Start your digital banking journey today with NEO.