HRA Rewards vs Mal Digital
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
HRA Rewards
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HRA Rewards allows users to purchase gift cards and use them for real-world services.
Mal Digital
An AI-first digital bank designed with Islamic values, offering a modern approach to managing finances. It helps users understand spending, send money internationally, and save for goals, all within a user-friendly interface.
- AI-driven financial insights
- International money transfers
- Budget and spending analysis
- Goal-based savings (Hajj, Umrah)
- Zakat calculation
- Islamic finance principles
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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
Screenshots
Verdict
The clearest difference is in-app purchases: Mal Digital at none against HRA Rewards's 6. Mal Digital also leads on update cadence (every 2 days vs every 9 days). On price, ads, device support 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
Both are free to download. HRA Rewards sells 6 one-off in-app purchases. Mal Digital asks for nothing beyond the download.
HRA Rewards ships an update every 9 days, Mal Digital every 2 days. The most recent releases landed on October 31, 2026 and November 5, 2026 respectively.
| Parameter | HRA Rewards | Mal Digital |
|---|---|---|
| Price | Free | Free |
| Rating | — | 5.0 (4 ratings) — better |
| Positive reviews | — | 100.0% of reviews |
| Number of ratings | — | 4 — better |
| Update frequency | Every 9 days | Every 2 days — better |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | — | Free |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 15.1 — better | 16.0 |
| Further details — not scored | ||
| Size | 118 MB | 332 MB |
| Age rating | 4+ | 17+ |
| Developer | HRA WEB3 SERVICES LTD | MalBank |
In-app purchases
HRA Rewards
- HRA Gift 10$9.99
- HRA Gift Card €25$25.00
- HRA Gift 50$49.99
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- HRA Gift Card €100$100.00
- HRA Gift 250$249.99
- HRA Gift 500$499.00
Mal Digital
No in-app purchases
