Comparison

meem KSA vs NEO

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

NEO

This digital banking app allows users to open accounts, transfer money globally with competitive rates, and manage multiple currencies from a single platform. It offers travel cards with exclusive benefits, secure transactions, and a rewards program for purchases.

Highlights
  • Open account in minutes
  • International money transfers
  • Multi-currency account management
  • Travel cards with lounge access and discounts
  • Earn rewards points (Neons)
  • Secure, bank-grade encryption
  • Islamic Sharia compliant banking
Features
Read full description

NEO is a smart digital banking app that lets you open an account in minutes, transfer money worldwide, and manage multiple currencies, all in one secure app. Start today and experience secure, fast, and modern digital banking with NEO. Our Services International Money Transfers ● Competitive exchange rates ● Low transfer fees with no hidden costs ● Receiving options tailored to the recipient’s needs ● Earn "NEONS" points when issuing a card Your money reaches the world in moments! Send SAR, USD, EUR, and more worldwide in seconds. No borders, no delays. Multi-Currency Account ● Manage multiple currencies from a single account ● Easily exchange between currencies with no hidden fees ● Perfect for travel enthusiasts and global shoppers ● Supports over 19 currencies, including QAR, USD, EUR, GBP, and more Travel Cards ● Access to international and local airport lounges ● Exclusive discounts ● Uniquely tailored benefits for each card ● Get neons on every purchase Currency Exchange – Best Rates, No Surprises ● Instant exchange through the app with no delays ● Best exchange rates ● No hidden fees ● Supports multiple currencies All in One Digital Banking App Your banking, simplified into one secure app. Key Features: ● Open your bank account in minutes ● Transfer money locally and internationally ● Track your spending and manage expenses ● Earn Neons with every purchase ● Pay bills instantly ● Onboarding Minors (15-18) years old ● Issue and manage your cards ● Request money (Qattah) ● Bank-grade encryption for 24/7 security ● Available for users aged 15 and above Islamic Digital Banking At NEO, we provide a fully integrated digital banking experience, 100% compliant with Islamic Sharia principles, ensuring every financial transaction you make aligns with approved Sharia standards. NEO App is fully compliant with Islamic Sharia standards. Track Your Money – Easily and Securely With the smart tracking feature, you can: ● Monitor all your transactions ● Receive personalized notifications for every financial movement ● Get a clear view of your cash flow with smart income and expense insights, all in one simple dashboard. Stay on top of your spending with smart alerts, income insights, and a simple dashboard. Exclusive Offers & Vouchers Open your account and start enjoying rewards. Neo offers real benefits and valuable promotions that make every transaction count: ● Earn “Neons” points for every Riyal you spend ● Get bonus Neons when you sign up and issue your first card ● Enjoy instant discounts with our partners ● Unlock exclusive offers tailored for you ● Redeem digital vouchers for shopping, dining, and entertainment With NEO, every transaction = added value, Download NEO digital banking app today and let the rewards begin! Flexible Payment Methods Your Card, Is Your Phone or Smartwatch. Pay effortlessly with Apple Pay, Google Pay, Mada Pay, or Samsung Pay. No need to carry a physical card. Request a physical card anytime, delivered straight to your door Smart Payment Benefits: ● Instant, secure payment with a single tap ● Compatible with major smart payment platforms ● Advanced protection to keep your data safe Issue and manage virtual or physical cards anytime. Explore the App Features Your NEO Account Offers: ● Open an account in minutes with our digital banking app ● Issue an instant virtual/physical card ● Multi-currency account ● International money transfer ● local transfer ● Easy transfer using phone number ● Expense tracking and categorization ● Savings & investment calculator ● Government payments ● Freeze or cancel your card instantly ● 24/7 customer support and security Whether you're opening your first account or managing money across currencies, NEO gives you full control with simplicity and security. Start your digital banking journey today with NEO.

Screenshots

meem KSA4 screens
NEO4 screens

Verdict

The call

The clearest difference is update cadence: meem KSA at fortnightly against NEO's monthly. meem KSA also leads on review sentiment (41% vs 32%) and ratings volume (966 vs 237). On price, rating, ads and in-app purchases 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

NEO holds the better App Store score, 4.4 against 4.2. Both are backed by a comparable volume of ratings — 966 and 237 respectively. Written reviews complicate that: 41% of meem KSA's written reviews are positive against 32% of NEO's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

meem KSA ships an update fortnightly, NEO monthly. The most recent releases landed on November 6, 2026 and November 7, 2026 respectively.

Scorecard4 real differences · 6 level
meem KSA versus NEO: the parameters behind the verdict, then further details
Parametermeem KSANEO
PriceFreeFree
Rating4.2 (966 ratings)4.4 (237 ratings) — better
Positive reviews41.3% of reviews — better31.7% of reviews
Number of ratings966 — better237
Update frequencyFortnightly — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS13.2 — better15.0
Further details — not scored
Size161 MB675 MB
Age rating4+12+
DeveloperGIBThe Saudi National Bank

Customer experience

meem KSA

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

NEO

All ratings214 ratings
Positive84.6%
Neutral1.9%
Negative13.6%
Written reviews63 reviews
Positive31.7%
Neutral3.2%
Negative65.1%

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

NEO

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

meem KSA

No in-app purchases

None

NEO

No in-app purchases

Questions

Is meem KSA free?
meem KSA is free to download, with no in-app purchases.
Is NEO free?
NEO is free to download, with no in-app purchases.
Which has better reviews, meem KSA or NEO?
NEO is rated higher. meem KSA averages 4.2 out of 5 from 966 ratings, while NEO averages 4.4 from 237 ratings.
Do meem KSA or NEO have ads?
Neither meem KSA nor NEO shows ads.
Which is updated more often, meem KSA or NEO?
meem KSA ships an update fortnightly, and NEO monthly. Most recently, meem KSA was updated on November 6, 2026 and NEO on November 7, 2026.

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