Comparison

meem KSA vs ESS

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

Head to head
About

meem KSA

This app offers a fully digital, Shariah-compliant banking experience. Manage multiple accounts, track spending, and access credit cards and personal finance options. Enjoy seamless on-the-go banking with 24/7 customer support.

Highlights
  • Digital Shariah-compliant banking
  • 3 accounts in 1 with one card
  • Digital budgeting and saving tools
  • Credit cards with rewards and installments
  • Flexible personal finance options
  • Home finance
  • Real-time Murabaha
Features
Read full description

Welcome to meem Digital Banking by Gulf International Bank The world’s first digital Shariah Compliant bank that gives you everything you need and more! meem is built with everything you need to safely bank on-the-go, so you can live the moments that matter! Open an account seamlessly, digitally and in minutes for: meem OnePack account, 3 accounts in 1 – current, savings and multicurrency accessed from one card! Digital budgeting and saving tools to track your spending and saving in real-time Credit cards with a range of benefits including the ajeeb rewards program and a buy now and pay later installment program from 3-24 months starting from 0% Flexible Personal Finance options including No Salary Transfer Home Finance Real-time Murabaha starting from just 30 days and in multiple currencies! We are here around the clock to provide you seamless digital customer experience with our products and services visit http://www.meem.com for more. You can also speak to us via in-app meem Chat or by calling us on 800116336 or +966 920026336. Start a new banking experience and join us today by downloading our app! meem | meem Digital Banking - Kingdom of Saudi Araba ميم أول مصرفية رقمية تابعة لبنك الخليج الدولي، بمنتجات وخدمات رقمية بالكامل ومتوافقة مع أحكام الشريعة الإسلامية. الخدمات المصرفية المتوفرة على تطبيقنا: - ٣ حسابات في حساب واحد وببطاقة واحدة فقط! حساب جاري، حساب التوفير، وحساب العملات المتعددة. ⁃ رحلة رقمية بالكامل لجميع المنتجات والخدمات المصرفية من التقديم الى الرد وانهاء الإجراءات. ⁃ ميزة الميزانية وأدوات مُتعددة تساعدك على الادخار والتحكم بمصاريفك بكل سهولة. ⁃ بطاقات ميم الائتمانية مع العديد من المزايا مثل برنامج مكافآت عجيب وبرنامج تقسيط أسهل للمشتريات وهامش ربح يبدأ من 0٪ ⁃ خيارات تمويل شخصي مرنة بما في ذلك منتج التمويل الشخصي بدون تحويل الراتب ⁃ التمويل العقاري ⁃ مرابحة فورية تبدأ من 30 يوم فقط وبعملات متعددة! متواجدين على مدار الساعة لتوفير أفضل تجربة رقمية بمنتجات وخدمات لعملائنا وبسلاسة، تفضل بزيارة http://www.meem.com للمزيد. يمكنك أيضًا التحدث إلينا عبر محادثة ميم من خلال التطبيق أو عن طريق الاتصال بنا على 800116336 أو +966 920026336. حمل تطبيق ميم ابدأ تجربة مصرفية جديدة وانضم إلينا اليوم! ميم | مصرفية ميم الرقمية - المملكة العربية السعودية

About

ESS

Manage payroll, leave requests, and various reporting tasks on the go. This app securely handles employee data and integrates with HR and payroll modules for seamless access to personal information and work-related tasks.

Highlights
  • Payroll management
  • Leave requests
  • Loan and travel requests
  • Work schedule access
  • Salary certificate generation
  • Expense claim submission
  • Training and feedback
Features
Read full description

ESS D365 Payroll App lets employees and managers of businesses (Dynamics Solution and Technology) handle payroll, leave, and numerous reporting tasks at any time and from anywhere. It outsmarts paperwork and ensures the holistic security of employees' private data.
The ESS D365 Payroll Mobile App is intelligent, adaptable, and fully integrated with the DS Payroll 365 FinOps and Human Resource modules. Employees may examine their personal information from employment history or details, sign in and out to check their Work Schedules, and apply for loan requests, leave requests, EOS requests, and business travel requests. HR help desk, employee work delegate, salary certificate, employee clearance, expense claim request, rejoining, employee payment, and workflow submission. Work tasks assigned are also available (Approval, delegate, change request or reject) and Courses and Training along with the employee Feedback provision are also incorporated in ESS D365 Payroll App.

Screenshots

meem KSA4 screens
ESS4 screens

Verdict

The call

The clearest difference is rating: meem KSA at 4.2 against ESS's 1.0. meem KSA also leads on ratings volume (966 vs 1) and update cadence (fortnightly vs every 5 weeks). On price, ads, in-app purchases and monetization model 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

meem KSA holds the better App Store score, 4.2 against 1.0. That said, the two scores are not equally well evidenced: meem KSA has 966 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

meem KSA ships an update fortnightly, ESS every 5 weeks. The most recent releases landed on November 6, 2026 and November 3, 2026 respectively.

Scorecard4 real differences · 6 level
meem KSA versus ESS: the parameters behind the verdict, then further details
Parametermeem KSAESS
PriceFreeFree
Rating4.2 (966 ratings) — better1.0 (1 ratings)
Positive reviews41.3% of reviews—
Number of ratings966 — better1
Update frequencyFortnightly — betterEvery 5 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS13.2 — better16.0
Further details — not scored
Size161 MB53 MB
Age rating4+17+
DeveloperGIBSalman Bin Naeem

Customer experience

meem KSA

All ratings953 ratings
Positive79.4%
Neutral2.9%
Negative17.6%
Written reviews196 reviews
Positive41.3%
Neutral6.6%
Negative52.0%

ESS

All ratings1 ratings
Positive0.0%
Neutral0.0%
Negative100.0%

Bugs and requests

meem KSA

Reported bugs

5 issues
  • Login screen freezes and crashes
  • Delayed transaction updates on credit cards
  • Inability to change password remotely
  • Incompatibility issues with newer devices
  • Unreliable SMS code delivery for authentication

Requested features

6 requests
  • Add biometric authentication (Touch ID/Face ID)
  • Improve credit card management features
  • Provide better visibility for salary cashback campaigns
  • Enhance app performance and stability
  • Update the app design for modern devices
Show 1 more
  • Expand banking services and capabilities

ESS

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

meem KSA

No in-app purchases

None

ESS

No in-app purchases

Questions

Is meem KSA free?
meem KSA is free to download, with no in-app purchases.
Is ESS free?
ESS is free to download, with no in-app purchases.
Which has better reviews, meem KSA or ESS?
meem KSA is rated higher. meem KSA averages 4.2 out of 5 from 966 ratings, while ESS averages 1.0 from 1 ratings.
Do meem KSA or ESS have ads?
Neither meem KSA nor ESS shows ads.
Which is updated more often, meem KSA or ESS?
meem KSA ships an update fortnightly, and ESS every 5 weeks. Most recently, meem KSA was updated on November 6, 2026 and ESS on November 3, 2026.

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