ADCB | Nomo UAE vs Deem
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
ADCB | Nomo UAE
Access a UK digital bank account with multi-currency spending, international transfers, and savings options. Invest in UK property with tailored finance solutions. Manage your finances globally with a Sharia-compliant digital banking app.
- Fee-free multi-currency spending
- Easy international transfers
- UK-based savings accounts
- UK property investment finance
- Digital account opening
- Sharia-compliant banking
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Think global, bank local, with a UK digital bank account from Nomo, in partnership with ADCB. Nomo by Bank of London and The Middle East plc (“BLME”) is a trading name of BLME. Bank of London and The Middle East plc DIFC Branch is regulated by the Dubai Financial Services Authority (“DFSA”) as a Category 4 Authorised Firm. The registered office is Office 2904, Level 29, Al Fattan Currency House, Dubai International Financial Centre, Dubai, UAE, PO Box 506557 is DFSA Firm Reference Number F0003552. When you join Nomo, you’ll have access to fee-free multi-currency spending, easy international transfers, UK-based savings accounts, and exciting property investment opportunities. Apply for an account digitally from your smartphone. Kindly note that the Nomo Bank account is provided by Bank of London and The Middle East (BLME) rather than ADCB. SPEND Pay like a local with your debit card or Apple Pay in six currencies – GBP, USD, EUR, KWD, AED, SAR – and avoid international card fees when you’re travelling abroad. SEND Send money abroad in multiple currencies from the app. GBP transfers to UK personal and business bank accounts are fee-free, and transfers in other currencies have low, flat fees. SAVE Diversify your income and earn multi-currency profits with GBP, USD and EUR Fixed Term Deposits. PROPERTY FINANCE Receive finance to buy a UK property, either as an investment or as a home for your family. Joint and sole applications and available, as well as refinance for existing UK property owners.* Security with Nomo Ensuring your money and data are safe is a top priority for us. Nomo is part of Boubyan Bank and a trading name of BLME (Bank of London and The Middle East plc), which is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the PRA. Nomo deposits via BLME of up to £85,000 are therefore protected by the FSCS (Financial Services Compensation Scheme). Please refer to the FSCS website for further information at www.fscs.org.uk. Why ADCB | Nomo? We believe that your international, fast-paced lifestyle should be matched with instant access to amazing banking products wherever you are in the world. Nomo’s seamless banking tools allow you to live locally and think globally. Wherever our clients go, they take their financial freedom with them thanks to our Sharia-compliant digital banking app. We’re working hard to bring digital excellence to the world of Islamic banking, through cutting-edge technology that lets customers manage their money on their terms. It takes just minutes to open a Nomo account, so download the app and begin your journey now! *Properties in England and Wales only. Your property may be at risk if you do not keep up the payments on your Nomo Property Finance
Deem
Manage your credit card and personal loans with this intuitive app. Apply for new credit cards, track benefits and rewards, and access customer support. Enjoy a secure and convenient digital financial experience.
- Manage credit card and personal loans
- Apply for new credit cards
- Access benefits and rewards
- Receive customer support
- Secure financial data management
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Introducing the all-new Deem Mobile App, a new digital experience to effortlessly manage your Deem Credit Card or Personal Loan. We've completely transformed the way you engage with your finances, delivering an unparalleled & intuitive user experience, with access to a wider range of Deem products and services. Features: Take Control: Seamlessly manage and control your finances with a few taps. You're in charge. Effortless Credit Card Applications: New customers can effortlessly apply for credit cards directly through the app, streamlining the onboarding process. Unlock a world of possibilities at your fingertips. All-in-One Hub: Access all your benefits and rewards in one place, making your financial experience truly comprehensive. Exceptional Customer Support: Our app is designed to provide help when you need it, ensuring you're never alone on your financial journey. Top-tier Security: Your financial data's security is our utmost priority. With state-of-the-art security measures, your information is safeguarded like never before. Download the new Deem Mobile App today and take hold of your financial future. Immerse yourself in the convenience, efficiency, and unwavering reliability of a financial companion that prioritizes your needs. Your path to an effortless digital experience is just a download away.
Screenshots
Verdict
The clearest difference is rating: ADCB | Nomo UAE at 4.7 against Deem's 2.6. ADCB | Nomo UAE also leads on review sentiment (50% vs 13%) and ratings volume (111 vs 5). Deem's advantage is iOS requirement (16.6 vs 18.0). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
ADCB | Nomo UAE holds the better App Store score, 4.7 against 2.6. That said, the two scores are not equally well evidenced: ADCB | Nomo UAE has 111 ratings behind it against 5, so its average is the more settled of the two. Written reviews point the same way: 50% of ADCB | Nomo UAE's written reviews are positive against 13% of Deem's.
ADCB | Nomo UAE ships an update fortnightly, Deem every 3 weeks. The most recent releases landed on October 25, 2026 and October 24, 2026 respectively.
| Parameter | ADCB | Nomo UAE | Deem |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (111 ratings) — better | 2.6 (5 ratings) |
| Positive reviews | 50.0% of reviews — better | 13.3% of reviews |
| Number of ratings | 111 — better | 5 |
| Update frequency | Fortnightly — better | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone | iPhone |
| Requires iOS | 18.0 | 16.6 — better |
| Further details — not scored | ||
| Size | 171 MB | 62 MB |
| Age rating | 4+ | 17+ |
| Developer | BLME | Deem |
Customer experience
ADCB | Nomo UAE
Deem
Bugs and requests
ADCB | Nomo UAE
Not enough reviews yet to summarise bugs or requests.
Deem
Reported bugs
20 issues- App not opening or loading after updates
- Login stuck or session expiration errors
- Password change functionality broken
- Credit card not displaying in app after activation
- Card unlock option showing blank white screen
Show 15 moreShow fewer
- KYC update failing repeatedly
- EID updation showing persistent errors
- Payment transaction rejection despite available balance
- Incorrect balance display and statement information
- Duplicate transactions appearing
- App showing wrong card or no card at all
- Registration page stuck on blank white page
- Excess limit fees charged incorrectly
- Cashback points not reflecting in balance
- Payment not showing in real-time
- App laggy and slow performance
- Error messages: 'Something is wrong, please try again later'
- Buffering issues on payment portal
- Downloaded wrong user statement
- App incompatible with iOS 15.5
Requested features
11 requests- Real-time balance updates after payments
- Current month outstanding amount visibility
- Statement download functionality
- Apple Wallet integration
- Dark mode option
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- Direct manager escalation option in IVR
- Cashback details visibility in app
- Card full limit display in dashboard
- SMS notifications for account deductions
- Auto-logout disable option in settings
- Previous statements and due dates visibility
In-app purchases
ADCB | Nomo UAE
No in-app purchases
Deem
No in-app purchases








