Comparison

Jadwa Investment vs ATM Split

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

Head to head
About

Jadwa Investment

Manage your Shariah-compliant investments with a seamless digital experience. Access diverse asset classes, track your portfolio, and trade in real-time. The app offers fund subscriptions, redemptions, and secure money transfers.

Highlights
  • Access diverse asset classes
  • Portfolio overview
  • Fund subscription and redemption
  • Real-time Saudi Exchange trading
  • Money transfers (SAR/USD)
  • Account statements and reports
  • Real-time market updates
Read full description

Jadwa is a leading investment management and advisory firm that offers a wide range of Shariah-compliant investments. Now, you can take full control of your investments in a seamless digital experience. Key Features: - Diverse offering: Access a broad range of asset classes across regional and international markets. - Portfolio overview: Review your overall portfolio, including your managed investments and brokerage balances. - Subscription and redemption: Subscribe to and redeem from a wide range of investment funds, with the option to cancel fund requests. - Real-time trading: Trade seamlessly on the Saudi Exchange in real time. - Transfers: Transfer money in SAR and USD across your accounts, and view incoming credits directly in your transaction history. - Reporting: View your account statements and investment reports. - Account registration: Register for the Jadwa app and portal online. - Account tools: Hide balances, view or copy IBANs, and activate beneficiaries. - Market news: Receive real-time market updates.

About

ATM Split

This app helps you quickly and privately track shared expenses offline, perfect for travelers and roommates. It offers full Arabic support, multi-currency tracking, and smart debt simplification to reduce the number of payments needed for settlement.

Highlights
  • Offline expense tracking
  • Full Arabic and RTL support
  • Multi-currency support
  • Smart debt simplification
  • Editable expenses with notes
  • CSV data export
  • No account required
Features
Read full description

ATM Split is the bill-splitting app built for travelers, roommates, and friends who need a fast, private way to track shared expenses — no account required, no cloud dependency, and with full Arabic support from day one. Unlike other splitting apps that require sign-ups, cloud accounts, or internet access to function, ATM Split works entirely offline. Your data lives on your device, protected by iOS security, with nothing sent to external servers. Create a group, add members, log expenses, and see who owes what — all in under a minute. What makes ATM Split different: - Full Arabic & RTL support — the only bill-splitting app with native Arabic localization, Arabic-Indic numerals, and proper right-to-left layout. Even all 45 expense categories now read in Arabic. Built for the GCC and MENA markets, not just translated. - Offline-first with multi-currency — track expenses in 57 currencies with live exchange rates when online, and bundled seed rates when offline. Every expense is converted through the rate captured when you logged it, so a mixed-currency trip settles up correctly in your group's base currency. Perfect for international travel where Wi-Fi is unreliable. - Smart debt simplification — a greedy min-cash-flow algorithm reduces the number of payments needed to settle up. A group of 10 people might only need 9 transfers instead of dozens. - Edit anything, note everything — tap any expense to change its title, amount, currency, date, category, payer, or participants, and add a note that shows right on the expense. Fix a mistake without deleting and re-entering. - 45 expense categories — from groceries and dining to transportation and utilities, organized into 7 intuitive groups, each fully localized in Arabic. - CSV data export — share your full expense history as a spreadsheet with a single tap, now with base-currency amounts and notes so a mixed-currency group is fully reconcilable. - No account, no tracking, no ads — ATM Split respects your privacy. No email required, no social login, no analytics SDK. Just open the app and start splitting. - Beautiful dark mode and accent colors — customize the look with 10 accent colors and System/Light/Dark themes. Built with SwiftUI and SwiftData for a native iOS experience. Built by Approve The Move — genuinely useful apps, always free, no subscriptions.

Screenshots

Jadwa Investment4 screens
ATM Split4 screens

Verdict

The call

The clearest difference is rating: ATM Split at 5.0 against Jadwa Investment's 4.6. Jadwa Investment's advantage is ratings volume (11 vs 1) and iOS requirement (15.1 vs 18.6). 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

ATM Split holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: Jadwa Investment has 11 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on October 25, 2026 and October 12, 2026 respectively.

Scorecard3 real differences · 7 level
Jadwa Investment versus ATM Split: the parameters behind the verdict, then further details
ParameterJadwa InvestmentATM Split
PriceFreeFree
Rating4.6 (11 ratings)5.0 (1 ratings) — better
Positive reviews50.0% of reviews—
Number of ratings11 — better1
Update frequencyEvery 2 monthsEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.1 — better18.6
Further details — not scored
Size59 MB2 MB
Age rating4+4+
DeveloperJadwa InvestmentYousif Ameen

Customer experience

Jadwa Investment

All ratings11 ratings
Positive90.9%
Neutral0.0%
Negative9.1%
Written reviews4 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

ATM Split

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Jadwa Investment

No in-app purchases

None

ATM Split

No in-app purchases

Questions

Is Jadwa Investment free?
Jadwa Investment is free to download, with no in-app purchases.
Is ATM Split free?
ATM Split is free to download, with no in-app purchases.
Which has better reviews, Jadwa Investment or ATM Split?
ATM Split is rated higher. Jadwa Investment averages 4.6 out of 5 from 11 ratings, while ATM Split averages 5.0 from 1 ratings.
Do Jadwa Investment or ATM Split have ads?
Neither Jadwa Investment nor ATM Split shows ads.
Which is updated more often, Jadwa Investment or ATM Split?
Jadwa Investment ships an update every 2 months, and ATM Split every 2 months. Most recently, Jadwa Investment was updated on October 25, 2026 and ATM Split on October 12, 2026.

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