Comparison

Raqami Islamic Digital Bank vs Perce

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

Head to head
About

Raqami Islamic Digital Bank

This digital banking app offers a secure and modern Islamic banking experience in Pakistan. It allows for fully digital account opening in under 5 minutes, Shariah-compliant savings and term deposits with competitive profit rates, and everyday banking features like free debit cards and money transfers.

Highlights
  • Fully digital account opening
  • Shariah-compliant savings and term deposits
  • Biometrically secured banking
  • Free PayPak Debit Card
  • Free money transfers via Raast
  • 24/7 customer support
Features
Read full description

Raqami Islamic Digital Bank is a licensed Islamic bank operating under the State Bank of Pakistan's Digital Retail Bank framework, offering secure, seamless, and Shariah-compliant banking designed around your everyday financial needs — jo tum chaho. Backed by Pakistan Kuwait Investment Company (Private) Limited and Enertech Holding Company, a subsidiary of the Kuwait Investment Authority, Raqami combines global institutional strength with local expertise to deliver a modern Islamic banking experience in Pakistan. Whether you're looking to open a bank account online, earn halal profit on your savings, transfer money instantly, pay bills, or manage your finances securely, Raqami makes Islamic banking simple, accessible, and convenient. OPEN AN ISLAMIC BANK ACCOUNT ONLINE • Open your Islamic bank account in under 5 minutes • 100% paperless onboarding • No paperwork or branch visits required • Start banking anytime, anywhere in Pakistan SECURE ISLAMIC BANKING YOU CAN TRUST • Licensed by the State Bank of Pakistan under the Digital Retail Bank framework • Biometric login and device-bound security • Bank-grade protection designed to safeguard your identity and funds • Shariah-compliant banking solutions built around your financial needs GROW YOUR SAVINGS WITH HALAL PROFIT • Competitive halal profit rates on savings • Monthly profit credited directly to your account • Open and manage Islamic Term Deposits with ease • Swift profit disbursement upon maturity • Pakistan's first Shariah-compliant 7-Day Digital Term Deposit without unnecessary delay in profit disbursement EVERYDAY BANKING MADE SIMPLE • Free PayPak Debit Card accepted nationwide • Free cash withdrawals from designated ATM networks* • Withdraw up to PKR 100,000 in a single transaction from Askari Bank ATMs • Free bill payments anytime, anywhere • Instant money transfers through Raast • Smart routing with automatic fallback to 1LINK when required • Eco-friendly debit card made using recyclable materials MORE REWARDS, MORE VALUE • Exclusive discounts and offers through PayPak and Golootlo partner merchants • Enjoy savings on dining, shopping, travel, and more across Pakistan HIGHER LIMITS, GREATER FLEXIBILITY • Open additional accounts without additional KYC requirements • Daily transaction limits up to PKR 10 million • Built for secure, high-value banking 24/7 CUSTOMER SUPPORT • Dedicated support whenever you need assistance • Call us anytime at 051-111-727-264 • Email: complaints@raqamidigital.com WHY CHOOSE RAQAMI? • Licensed by the State Bank of Pakistan • Shariah-Compliant Banking • Online Account Opening • Halal Profit on Savings • Islamic Term Deposits • Free Bill Payments • Instant Raast Transfers • Free Debit Card • Discounts through PayPak & Golootlo • Secure Banking • High Transaction Limits • 24/7 Customer Support Download Raqami Islamic Digital Bank today and experience secure, Shariah-compliant banking built for Pakistan.

About

Perce

Features
Read full description

Perce helps you see your entire financial position clearly — not just your daily spending. Track assets, liabilities, transfers, recurring entries, reminders, and net worth in one simple place. With Net Worth history and Monthly Insights, Perce helps you understand how your finances change over time. Stay updated at a glance with the Perce Home Screen Widget, showing your Net Worth, Total Assets, and Total Liabilities. You can also use Siri and Shortcuts to quickly check your financial position without opening the app. Key Features: • Track assets and liabilities • See your current Net Worth and 6-month history • Home Screen Widget for quick financial overview • Siri & Shortcuts for Net Worth, Assets, and Liabilities • Monthly Insights to review your financial progress • Recurring entries with progress tracking • Internal transfers between assets • Liability payment tracking • Smart reminders for upcoming entries • Search with filtered totals • Pin important assets and liabilities • Multiple currency support • Optional iCloud Sync across your Apple devices Perce is designed to keep personal finance tracking simple, private, and easy to understand. No ads. No subscriptions. Optional tips are available if you would like to support the development of Perce.

Screenshots

Raqami Islamic Digital Bank4 screens
Perce4 screens

Verdict

The call

The clearest difference is in-app purchases: Raqami Islamic Digital Bank at none against Perce's 3. Raqami Islamic Digital Bank also leads on iOS requirement (15.6 vs 26.0). On price, update cadence, 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. Perce sells 3 one-off in-app purchases. Raqami Islamic Digital Bank asks for nothing beyond the download.

UpkeepUpdate frequency

Raqami Islamic Digital Bank ships an update every 3 weeks, Perce every 2 weeks. The most recent releases landed on October 30, 2026 and October 14, 2026 respectively.

Scorecard2 real differences · 8 level
Raqami Islamic Digital Bank versus Perce: the parameters behind the verdict, then further details
ParameterRaqami Islamic Digital BankPerce
PriceFreeFree
Rating4.3 (39 ratings) — better—
Positive reviews33.3% of reviews—
Number of ratings39 — better—
Update frequencyEvery 3 weeksEvery 2 weeks — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.6 — better26.0
Further details — not scored
Size218 MB3 MB
Age rating17+4+
DeveloperRaqami Islamic Digital Bank LimitedMuhammad Aliff Hafiz Bin Marakar

In-app purchases

None

Raqami Islamic Digital Bank

No in-app purchases

3 purchases

Perce

One-time3
  • Buy Me a Coffee$0.99
  • Buy Me Lunch$4.99
  • Buy Me Dinner$9.99

Questions

Is Raqami Islamic Digital Bank free?
Raqami Islamic Digital Bank is free to download, with no in-app purchases.
Is Perce free?
Perce is free to download, with in-app purchases available.
Do Raqami Islamic Digital Bank or Perce have ads?
Neither Raqami Islamic Digital Bank nor Perce shows ads.
Which is updated more often, Raqami Islamic Digital Bank or Perce?
Raqami Islamic Digital Bank ships an update every 3 weeks, and Perce every 2 weeks. Most recently, Raqami Islamic Digital Bank was updated on October 30, 2026 and Perce on October 14, 2026.

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