UP by CBD vs Mal Digital

UP by CBD is a mobile business bank from Commercial Bank of Dubai (CBD), built for micro and small businesses to easily apply for an account in minutes & start operating immediately. UP by CBD combines the agility of a mobile bank with the strength of CBD, backed by over 50 years of experience supporting businesses in the UAE. Key Features Apply for a business account in minutes with seamless DUL integration (Dubai unified licence) Instant credit card from day one with higher credit limits as your business grows Zero-balance account, giving businesses the flexibility to select a tailored subscription plan. Make local and international payments, manage cards, run payroll (WPS), and stay on top of your finances — all with clear, simple pricing. Your money and data are protected with secure login, strong authentication, and real-time controls. Bank confidently with a fully licensed UAE bank regulated by the Central Bank of the UAE. Why UP by CBD? UP by CBD brings together everything your business needs - from a current account and access to credit to payroll, transfers and savings - in one unified, mobile-first business banking experience, backed by over 50 years of CBD experience supporting businesses in the UAE. Through CBD’s collaboration with the Dubai Department of Economy and Tourism (DET), you also get access to programmes and initiatives like Dubai Founders HQ and SME in a Box — helping you grow and scale. Who is it for? Small businesses and startups in the UAE seeking a fast, fully compliant mobile business banking experience. Business owners and consultants choosing a simple, seamless way to manage business finances - from faster invoicing and spend tracking to cashflow visibility and actionable insights. Employers managing WPS payroll while ensuring compliance with UAE labour regulations. Get started in minutes Download the UP by CBD app. Share your personal and business details to get set up. Start banking right away and take the next step in growing your business.

Meet Mal. A fully digital, AI-first bank built for people who expect banking to be better. Not another bank with AI added on top. Not the old system in a new app. Mal is built from scratch, guided by Islamic values, and open to everyone. Because waiting 14 business days, printing forms, and hearing “please visit your nearest branch” was not the future we were promised. Need to send money abroad? Ask Mal. Need to understand your spending? Ask Mal. And this is just the beginning. Mal helps you ask, understand, and act in one place, with answers shaped around your budget, spending, and goals. See where your salary went. Check if you’re spending more than you think. Save for Hajj or Umrah. Calculate your Zakat. Handle your money without needing a finance degree. Built on Islamic values. Designed for the world. Made for everyday life. Join the waitlist today and experience banking that moves at the speed of your life, not a legacy system. Mal. Fair by design