Comparison

RiyadPay vs Ghanem | غانم

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

Head to head
About

RiyadPay

Manage your finances with this digital wallet app. It offers secure local and international money transfers, bill payments, and salary disbursements for household workers. Enjoy cashback and rewards on your spending.

Highlights
  • International transfer aggregator
  • Local wallet-to-wallet transfers
  • SARIE service transfers
  • SADAD bill payments
  • Musaned payments for household workers
  • Cashback and rewards
Features
Read full description

RiyadPay Digital Wallet is a seamless, secure, and user-friendly app designed to deliver an exceptional digital banking experience. It empowers individuals to tailor their financial transactions confidently and securely through innovative features. The app supports local and international transfers, allowing users to pay bills, send money effortlessly across borders. Additionally, it offers convenient mobile services for on-the-go transactions, ensuring that users can access their funds anytime, anywhere. Experience the future of banking with RiyadPay Digital Wallet – Download it now Key feature: International transfer aggregator We provide customers with multiple options for international money transfer through our international transfer aggregator. This feature allows users to compare exchange rates, fees and transfer times from various providers, ensuring they can choose the best option for their needs. Local transfer RiyadPay offers wallet-to-wallet transfers using the recipient's phone number as well as transfers to local banks using SARIE service, making it easy to send and receive money instantly and securely. Bill payments Easily pay all your bills through SADAD service with RiyadPay. Musaned payments  Transfer your household workers' salaries monthly in a timely and efficient way. Cashback and rewards Earn cashback with every spend and enjoy our exclusive rewards with RiyadPay

About

Ghanem | غانم

Fractionally own real estate, grow your wealth, and diversify your investment portfolio. Invest in premium Saudi Arabian properties with strong annual returns and ROI. The platform offers Sharia-compliant, easy entry with low minimums, and a seamless, secure user experience.

Highlights
  • Fractional real estate ownership
  • Wealth growth and diversification
  • Invest in premium Saudi properties
  • Sharia-compliant investments
  • Low minimum investment (1000 SAR)
  • Seamless and secure platform
Features
Read full description

Turn Your Real Estate Dreams into Reality With Ghanem, you can fractionally own real estate, grow your wealth, and diversify your investment portfolio with ease. Invest in premium properties that generate annual returns and offer strong (ROI) upon exit—all while participating in Saudi Arabia’s rapidly expanding real estate market. Why Choose Ghanem? - Sharia-Compliant – Invest with confidence in a platform that aligns with your values. - Easy Entry – Low minimum ticket value allows you to start investing for as low as 1000 SAR - Seamless & Secure – A user-friendly platform designed to make investing simple, fast, and safe. Make the smart move today—start investing with Ghanem! Start your investment journey today with Ghanem! Learn more at: https://ghanem.sa/en Ghanem is part of the Saudi Proptech Sandbox, regulated by the Real Estate General Authority (REGA).

Screenshots

RiyadPay4 screens
Ghanem | غانم4 screens

Verdict

The call

The clearest difference is review sentiment: Ghanem | غانم at 100% against RiyadPay's 0%. Ghanem | غانم also leads on rating (5.0 vs 3.5) and update cadence (every 9 days vs monthly). RiyadPay's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, ratings volume, in-app purchases and iOS requirement 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

Ghanem | غانم holds the better App Store score, 5.0 against 3.5. Both are backed by a comparable volume of ratings — 4 and 6 respectively. Written reviews point the same way: 0% of RiyadPay's written reviews are positive against 100% of Ghanem | غانم's.

UpkeepUpdate frequency

RiyadPay ships an update monthly, Ghanem | غانم every 9 days. The most recent releases landed on October 26, 2026 and October 30, 2026 respectively.

Scorecard6 real differences · 4 level
RiyadPay versus Ghanem | غانم: the parameters behind the verdict, then further details
ParameterRiyadPayGhanem | غانم
PriceFreeFree
Rating3.5 (4 ratings)5.0 (6 ratings) — better
Positive reviews0.0% of reviews100.0% of reviews — better
Number of ratings46 — better
Update frequencyMonthlyEvery 9 days — better
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS16.015.0 — better
Further details — not scored
Size182 MB62 MB
Age rating4+4+
DeveloperRiyadBankGhanem Aloula

Customer experience

RiyadPay

All ratings4 ratings
Positive50.0%
Neutral25.0%
Negative25.0%
Written reviews1 reviews
Positive0.0%
Neutral100.0%
Negative0.0%

Ghanem | غانم

All ratings6 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

RiyadPay

No in-app purchases

None

Ghanem | غانم

No in-app purchases

Questions

Is RiyadPay free?
RiyadPay is free to download, with no in-app purchases.
Is Ghanem | غانم free?
Ghanem | غانم is free to download, with no in-app purchases.
Which has better reviews, RiyadPay or Ghanem | غانم?
Ghanem | غانم is rated higher. RiyadPay averages 3.5 out of 5 from 4 ratings, while Ghanem | غانم averages 5.0 from 6 ratings.
Do RiyadPay or Ghanem | غانم have ads?
Ghanem | غانم shows ads; RiyadPay does not.
Which is updated more often, RiyadPay or Ghanem | غانم?
RiyadPay ships an update monthly, and Ghanem | غانم every 9 days. Most recently, RiyadPay was updated on October 26, 2026 and Ghanem | غانم on October 30, 2026.

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