Comparison

NEO vs Mora Finance

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

Head to head
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.

About

Mora Finance

This financial app provides a secure, digital experience for customers, offering a variety of products and services that adhere to Islamic Shariah provisions. It emphasizes instant approval, a digital journey, and flexible terms without requiring a guarantor or salary transfer.

Highlights
  • Shariah-compliant financial products
  • Instant approval process
  • Digital customer journey
  • No guarantor required
  • No salary transfer needed
  • Flexible repayment terms
  • Variety of financial products
Features
Read full description

Mora application is designed to offer its products and services with a secured and integrated distinctive digital experience to its customers. Mora products are compatible with the provisions of Islamic Shariah. Why Mora? • Instant approval • Digital journey • Shariah-Compliant • No Guarantor required • No Salary transfer • Flexible terms • Variety of financial products • Excellent Customer Service

Screenshots

NEO4 screens
Mora Finance4 screens

Verdict

The call

The clearest difference is rating: Mora Finance at 4.6 against NEO's 4.4. Mora Finance also leads on review sentiment (44% vs 32%). NEO's advantage is ratings volume (236 vs 78). On price, update cadence, 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

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

Mora Finance holds the better App Store score, 4.6 against 4.4. Both are backed by a comparable volume of ratings — 236 and 78 respectively. Written reviews point the same way: 32% of NEO's written reviews are positive against 44% of Mora Finance's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly monthly. The most recent releases landed on October 30, 2026 and October 25, 2026 respectively.

Scorecard3 real differences · 7 level
NEO versus Mora Finance: the parameters behind the verdict, then further details
ParameterNEOMora Finance
PriceFreeFree
Rating4.4 (236 ratings)4.6 (78 ratings) — better
Positive reviews31.7% of reviews44.4% of reviews — better
Number of ratings236 — better78
Update frequencyMonthlyMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.014.0 — better
Further details — not scored
Size675 MB105 MB
Age rating12+4+
DeveloperThe Saudi National BankIjarah Finance

Customer experience

NEO

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

Mora Finance

All ratings78 ratings
Positive87.2%
Neutral6.4%
Negative6.4%
Written reviews9 reviews
Positive44.4%
Neutral0.0%
Negative55.6%

In-app purchases

None

NEO

No in-app purchases

None

Mora Finance

No in-app purchases

Questions

Is NEO free?
NEO is free to download, with no in-app purchases.
Is Mora Finance free?
Mora Finance is free to download, with no in-app purchases.
Which has better reviews, NEO or Mora Finance?
Mora Finance is rated higher. NEO averages 4.4 out of 5 from 236 ratings, while Mora Finance averages 4.6 from 78 ratings.
Do NEO or Mora Finance have ads?
Neither NEO nor Mora Finance shows ads.
Which is updated more often, NEO or Mora Finance?
NEO ships an update monthly, and Mora Finance monthly. Most recently, NEO was updated on October 30, 2026 and Mora Finance on October 25, 2026.

Other comparisons