Comparison

Mobily Pay vs NEO

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

Head to head
About

Mobily Pay

A digital wallet licensed by the Saudi Central Bank for daily financial transactions and purchases. It facilitates local and international transfers, bill payments, and SADAD payments with ease.

Highlights
  • Visa card integration
  • Wallet to wallet transfers
  • Local bank transfers (SARIE)
  • International transfers
  • SADAD bill payments
  • Scheduled payments
Features
Read full description

Mobily Pay is a digital wallet licensed by The Saudi Central Bank. Mobily Pay is your perfect choice for making daily financial transactions & purchases. Mobily Pay is the best choice for your local & international transfers. Through the app, you can pay your bills in one click. Mobily Pay features: - Visa card - Wallet to wallet transfer - Local bank transfer (SARIE – IPS) - International transfer (to account – cash pickup – wallet) - SADAD payments - Mobily payments - Send gifts - Multi-languages - Payments scheduling And more ...

About

NEO

This digital banking app allows users to open accounts, transfer money globally with competitive rates, and manage multiple currencies from a single platform. It offers travel cards with exclusive benefits, secure transactions, and a rewards program for purchases.

Highlights
  • Open account in minutes
  • International money transfers
  • Multi-currency account management
  • Travel cards with lounge access and discounts
  • Earn rewards points (Neons)
  • Secure, bank-grade encryption
  • Islamic Sharia compliant banking
Features
Read full description

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.

Screenshots

Mobily Pay4 screens
NEO4 screens

Verdict

The call

The clearest difference is ads: NEO at none against Mobily Pay's shown. NEO also leads on monetization model (free vs free with in-app purchases). Mobily Pay's advantage is rating (4.7 vs 4.4) and ratings volume (3.6K vs 214). On price, review sentiment, in-app purchases 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. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Mobily Pay holds the better App Store score, 4.7 against 4.4. That said, the two scores are not equally well evidenced: Mobily Pay has 3.6K ratings behind it against 214, so its average is the more settled of the two. Written reviews point the same way: 35% of Mobily Pay's written reviews are positive against 32% of NEO's.

UpkeepUpdate frequency

Mobily Pay ships an update every 2 weeks, NEO monthly. The most recent releases landed on October 17, 2026 and October 18, 2026 respectively.

Scorecard5 real differences · 5 level
Mobily Pay versus NEO: the parameters behind the verdict, then further details
ParameterMobily PayNEO
PriceFreeFree
Rating4.7 (3.6K ratings) — better4.4 (214 ratings)
Positive reviews34.6% of reviews — better31.7% of reviews
Number of ratings3.6K — better214
Update frequencyEvery 2 weeks — betterMonthly
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.015.0
Further details — not scored
Size152 MB675 MB
Age rating17+12+
DeveloperEtihad Digital Financial CompanyThe Saudi National Bank

Customer experience

Mobily Pay

All ratings3,622 ratings
Positive92.6%
Neutral2.3%
Negative5.1%
Written reviews136 reviews
Positive34.6%
Neutral2.9%
Negative62.5%

NEO

All ratings214 ratings
Positive84.6%
Neutral1.9%
Negative13.6%
Written reviews63 reviews
Positive31.7%
Neutral3.2%
Negative65.1%

Bugs and requests

Mobily Pay

Reported bugs

7 issues
  • OTP not received
  • Visa and Mastercard not accepted
  • Frequent app crashes
  • Slow app performance
  • Registration issues
Show 2 more
  • Incompatibility with older devices
  • Balance recharge problems

Requested features

5 requests
  • Introduce Mada prepaid card
  • Add Sadad bills payment
  • Improve international beneficiaries details
  • Add mobile recharge options
  • Integrate with Mobily account for bill payment and recharge

NEO

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Mobily Pay

No in-app purchases

None

NEO

No in-app purchases

Questions

Is Mobily Pay free?
Mobily Pay is free to download, with no in-app purchases.
Is NEO free?
NEO is free to download, with no in-app purchases.
Which has better reviews, Mobily Pay or NEO?
Mobily Pay is rated higher. Mobily Pay averages 4.7 out of 5 from 3.6K ratings, while NEO averages 4.4 from 214 ratings.
Do Mobily Pay or NEO have ads?
Mobily Pay shows ads; NEO does not.
Which is updated more often, Mobily Pay or NEO?
Mobily Pay ships an update every 2 weeks, and NEO monthly. Most recently, Mobily Pay was updated on October 17, 2026 and NEO on October 18, 2026.

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