BuyNow by KIB vs Raqib

Shop and finance effortlessly with KIB Postpay. Enjoy 0% profit financing, exclusive deals, and shop for everything you need, all in one place. No salary transfer required. Why BuyNow Is Your Ideal Choice: A unique shopping application that’s reliable, secure and brings together a wide range of products and services for your convenience. Finance your purchases at 0% profit. You can buy what you need now without worrying about extra costs later. Flexible financing starting from as low as KD300 and up to KD25,000, paid over 3 months and up to 60 months. Shopping through KIB Postpay adheres to Islamic banking principles. Find everything you need across all categories in one place: Auto, Medical, Education, Furniture, Electronics, Gaming and our exclusive KIB store Whether you are a KIB customer or not, BuyNow is for you. No need to transfer your salary to enjoy our services. Compare prices easily and choose products or services without the hassle of visiting multiple websites or locations. Access special offers and exclusive bundles available only to BuyNow users from more than 100 brands. Real-time tracking for all your financing applications Download BuyNow now!

Raqib keeps every receipt in one place and tells you what your month looks like — in English or Arabic, in your own currency. CAPTURE ANY WAY YOU LIKE • Photograph a paper receipt. Raqib reads the merchant, total, date, items and payment method in one go. • Paste a receipt link from an SMS. • Import a bank statement PDF and turn its rows into receipts. • Connect your mailbox (read-only) and let e-receipts arrive on their own. • Leave the app while a photo or statement is being read. A notification tells you when it is ready. KNOW BEFORE IT COSTS YOU • Return windows: a reminder two days before the last day to return something, and again on the day. • Subscriptions: which charges recur, what they add up to per month, and a note when a price goes up. • Budget: a monthly figure, a forecast for where the month lands, and a nudge at 80% and 100%. SEE WHERE IT GOES • Spend by category with month-over-month change. • Top merchants, with a page for each one. • Search by shop, amount, note, card or a range like 10–50. PRIVATE BY DESIGN • Receipt photos stay on your phone. They are read once and never stored on our servers unless you choose to keep a copy in your account. • Mailbox access is read-only, and only the receipt details are kept — never your emails. • Export everything as JSON or CSV, or delete it all, any time.