Comparison

RiyadPay vs Km SAR

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

Km SAR

Features
Read full description

Km SAR shows where your salary goes, and your money stays your business. It reads the statement PDFs your bank already gives you, right on your iPhone. No bank login, no account with us, nothing uploaded. PRIVATE BY DESIGN • Statements are read on your device and never uploaded • No sign-up and no bank login. Just the PDF from your bank • No ads, no tracking, no third-party analytics • Syncs between iPhone and iPad through your own iCloud. We can't see your data • Lock the app with Face ID SEE WHERE YOUR MONEY WENT • One month at a time: what you spent, how it compares with last month, and where it went by category and merchant • Worth a look: possible double charges, bank fees, categories well above your usual, and subscriptions that got more expensive • Recurring payments and when the next one is due • Daily, monthly and day-of-week trends • Every transaction searchable by merchant, description or city PLAN YOUR MONTH AND YEAR • Each month: what's left of your salary, your budgets as a checklist to tick off as they're paid, and what you've spent on each • Your salary pays what comes every month; your bonus and yearly allowances pay what comes once a year • Give every riyal a job and see what's still to assign • Raises and promotions carried through the next 15 years, with GOSI worked out for you • Loans that turn into investing once they're paid off • Net worth at the end of every year LOG TODAY AS IT HAPPENS • Log every Apple Pay tap with a Shortcuts automation • Log purchases from your bank's SMS. The message is read on your phone • Set it up once. The app shows each step • Ask Siri what's left this month, or mark a budget paid STAY ON TOP OF YOUR CARDS AND ACCOUNTS • Amount due, minimum payment and due date for each card • Credit used against your limit • Account balance, money in and money out. Transfers and card payments don't count as spending • Payment reminders before each due date • Widgets for your Home Screen and Lock Screen READS YOUR STATEMENTS Import a credit card or bank account statement PDF as your bank gives it. Every statement is checked: when the transactions add up to your bank's total, you'll see it marked Balanced. The statement reader updates automatically when formats change. Export a PDF report, a summary image or a spreadsheet (CSV). Fully in Arabic and English. KM SAR PRO The free plan reads one statement every 30 days. Pro reads all of them. Payment is charged to your Apple Account and renews automatically unless cancelled at least 24 hours before the end of the period. Manage or cancel in your App Store account settings. Terms of Use: https://kmsar.com/terms Privacy Policy: https://kmsar.com/privacy Km SAR is not affiliated with any bank.

Screenshots

RiyadPay4 screens
Km SAR4 screens

Verdict

The call

The clearest difference is in-app purchases: RiyadPay at none against Km SAR's 2. RiyadPay also leads on iOS requirement (16.0 vs 18.0). Km SAR's advantage is update cadence (weekly vs monthly). On price, ads and device support 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. Km SAR sells 2 in-app purchases, starting at $1.99 per month. RiyadPay asks for nothing beyond the download.

UpkeepUpdate frequency

RiyadPay ships an update monthly, Km SAR weekly. The most recent releases landed on November 4, 2026 and November 5, 2026 respectively.

Scorecard3 real differences · 7 level
RiyadPay versus Km SAR: the parameters behind the verdict, then further details
ParameterRiyadPayKm SAR
PriceFreeFree
Rating3.5 (4 ratings) — better—
Positive reviews0.0% of reviews—
Number of ratings4 — better—
Update frequencyMonthlyWeekly — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhoneiPhone, iPad — better
Requires iOS16.0 — better18.0
Further details — not scored
Size182 MB12 MB
Age rating4+4+
DeveloperRiyad BankAbdullah Hulayyil

In-app purchases

None

RiyadPay

No in-app purchases

2 purchases

Km SAR

Subscriptions2
  • KmSAR Pro$1.991 Month
  • KmSAR Pro$19.991 Year

Questions

Is RiyadPay free?
RiyadPay is free to download, with no in-app purchases.
Is Km SAR free?
Km SAR is free to download, with in-app purchases available.
Do RiyadPay or Km SAR have ads?
Neither RiyadPay nor Km SAR shows ads.
Which is updated more often, RiyadPay or Km SAR?
RiyadPay ships an update monthly, and Km SAR weekly. Most recently, RiyadPay was updated on November 4, 2026 and Km SAR on November 5, 2026.

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