Alinma Pay — Wallet, Mada & Prepaid Cards, Fees & Alternatives
Alinma Pay is the mobile payment and digital wallet service linked to Alinma Bank, operated by Saudi Financial Technology Company under the supervision of the Saudi Central Bank (SAMA). The app lets you pay, top up and transfer money locally and internationally, and issues three cards instantly in the app. Per Alinma Pay's individual fees page, the Mada Debit Card is free for life (SAR 0 a year, 2% international transaction fee, works with Apple Pay and Mada Pay); the Platinum Prepaid Card is SAR 0 a year with 0.7% cashback, a 2.2% international fee and access to 25+ airport lounges via Visa Airport Companion; and the Signature Prepaid Card is SAR 300 a year with 1.4% cashback, a 2.2% international fee and 1,000+ lounges (after USD 100 of spend in the previous 90 days). Local transfers to a bank account cost SAR 0.5 up to SAR 2,500 and SAR 1 above that (excluding VAT). Giraffy also lists Alinma Pay international transfers from SAR 3 with a 0.5% exchange-rate markup.
Live offers
- Platinum Cashback prepaid card
- Mada Debit Card
- Signature prepaid card
- Alinma Pay Transfer
| Provider | Alinma Pay (Saudi Financial Technology Company, Alinma Bank group) |
|---|---|
| Country | Saudi Arabia |
| Regulator | Digital wallet supervised by the Saudi Central Bank (SAMA) |
| Cards | Mada Debit Card (SAR 0), Platinum Prepaid (SAR 0), Signature Prepaid (SAR 300 a year) |
| Cashback | 0.7% Platinum · 1.4% Signature |
| International transaction fee | 2% Mada Debit · 2.2% Platinum and Signature |
| Local transfer fee | SAR 0.5 up to SAR 2,500 · SAR 1 above (excl. VAT) |
| Card replacement | SAR 10 Mada · SAR 30 Platinum · SAR 150 Signature |
| Best for | A free Mada card plus a free cashback Visa in one wallet |
| Alternatives | STC Pay, Mobily Pay, urpay |
Best for
- People who want a free Mada card and a free cashback prepaid Visa (0.7%) in one app
- Travellers wanting lounge access for SAR 300 a year — the Signature card covers 1,000+ lounges after USD 100 of spend in 90 days
- Frequent local transfers — SAR 0.5 per transfer up to SAR 2,500
Not ideal for
- Heavy spenders abroad — the 2.2% international fee on Platinum and Signature is above Mobily Pay's 1.99%
- People who want cashback above 1.4% — compare the full prepaid-card table
Alinma Pay prepaid and Mada cards
Three cards issued instantly in the Alinma Pay app; two of them have no annual fee.
- Mada Debit Card: SAR 0, free for life, 2% international fee, Apple Pay and Mada Pay
- Platinum Prepaid Card: SAR 0 a year, 0.7% cashback, 2.2% international fee, 25+ lounges
- Signature Prepaid Card: SAR 300 a year, 1.4% cashback, 2.2% international fee, 1,000+ lounges
Best for: A free everyday cashback card.
Compare prepaid cards in Alinma Pay in Saudi Arabia: 4 live plans compared
Alinma Pay money transfer
Local and international transfers from the same wallet.
- Local bank transfers: SAR 0.5 up to SAR 2,500, SAR 1 above (excl. VAT)
- International transfers on Giraffy: from SAR 3, 0.5% exchange-rate markup, instant
Best for: Workers sending money home in small, frequent amounts.
Compare money transfer in Alinma Pay in Saudi Arabia: 4 live plans compared
Alinma Pay vs alternatives
Alinma Pay vs STC Pay
Most widely used Saudi mobile wallet with Platinum and Signature prepaid cards. Alinma Pay vs STC Pay: on Giraffy's data STC Pay Platinum costs SAR 230 a year and Signature SAR 575, against SAR 0 and SAR 300 for Alinma Pay's Platinum and Signature prepaid cards. STC Pay has the broader brand reach.
Alinma Pay vs Mobily Pay
Free Platinum prepaid card with 1.00–1.50% rewards and a 1.99% international fee. Alinma Pay vs Mobily Pay: both Platinum cards are SAR 0 a year. Mobily Pay's 1.99% international fee is lower than Alinma Pay's 2.2%, while Alinma Pay's Signature (SAR 300) is cheaper than Mobily Pay Signature (SAR 575).
Alinma Pay vs urpay
Free Visa prepaid card and a Visa Signature prepaid card at SAR 345 a year. Alinma Pay vs urpay: both offer a SAR 0 Visa prepaid card; for a Signature card Giraffy lists SAR 300 a year at Alinma Pay and SAR 345 at urpay.
Alinma Pay in Alinma Pay in Saudi Arabia: 4 live plans compared — FAQ
What is Alinma Pay?
Alinma Pay is a digital wallet linked to Alinma Bank and operated by Saudi Financial Technology Company under the supervision of the Saudi Central Bank. It lets you pay, top up and send money locally and internationally, and issues a Mada Debit Card, a Platinum Prepaid Card and a Signature Prepaid Card in the app.
How much does the Alinma Pay card cost?
The Mada Debit Card and the Platinum Prepaid Card are SAR 0 a year; the Signature Prepaid Card is SAR 300 a year. Replacement costs SAR 10 (Mada), SAR 30 (Platinum) or SAR 150 (Signature), per Alinma Pay's fees page.
What cashback does Alinma Pay give?
Alinma Pay's fees page lists 0.7% cashback on the Platinum Prepaid Card and 1.4% on the Signature Prepaid Card. The Mada Debit Card has no cashback.
What are Alinma Pay's transfer fees?
Local transfers to a bank account cost SAR 0.5 for amounts up to SAR 2,500 and SAR 1 above that, excluding VAT. Giraffy lists international transfers from SAR 3 with a 0.5% exchange-rate markup; Alinma Pay also runs corridor offers such as a SAR 3 fee to Yemen.
Does Alinma Pay include airport lounge access?
Yes. The Platinum Prepaid Card gives access to 25+ international lounges and the Signature Prepaid Card to more than 1,000 through Visa Airport Companion. Signature lounge access needs a minimum spend equivalent to USD 100 in the 90 days before use.
Alinma Pay Digital Wallet: Your All-in-One Financial Solution
Alinma Pay's digital wallet simplifies daily financial activities, giving users an efficient way to manage their money. With features like instant transfers, bill payments, and online shopping capabilities, Alinma Pay enables users to handle their finances anytime, anywhere.
Instant Transfers
Alinma Pay allows users to send and receive funds within seconds, making it ideal for on-the-go financial needs. This feature supports real-time transactions between Alinma Pay users as well as bank account transfers across Saudi Arabia.
- Key Features:
- Real-time transfer to Alinma Pay users and local bank accounts
- Option to schedule recurring payments
- Secure transfer verification through OTP and biometric authentication
Bill Payments
With Alinma Pay, paying bills is straightforward and quick. From utilities to mobile recharge, users can handle multiple types of payments with just a few taps, saving time and ensuring timely payments.
- Key Features:
- Compatible with utility, telecom, and other major service providers
- Option to set up automatic recurring payments
- Notifications for due dates and payment confirmations
Online Shopping
Alinma Pay provides secure payment options for online shopping, letting users shop from a range of local and international stores without entering card details on third-party websites.
- Key Features:
- Virtual card for secure online payments
- Integration with popular online retailers and marketplaces
- Transaction alerts for added security
Alinma Pay App: Your Gateway to Secure Digital Payments
The Alinma Pay app, available on both iOS and Android, is designed to provide users with a smooth and secure digital payment experience. With advanced features focused on usability and security, the Alinma Pay app is your one-stop solution for managing finances on the go.
- App Features:
- User-Friendly Interface: Simple and intuitive navigation for quick access to features.
- Multi-Layered Security: Includes biometric login, PIN protection, and robust encryption for enhanced security.
- Real-Time Alerts: Receive instant notifications for every transaction, helping you stay updated and secure.
- Expense Tracking: Access detailed spending reports to help you manage your budget and track your financial habits.
- Multiple Language Options: Supports both Arabic and English for a wider user experience.
Why Choose Alinma Pay?
- Sharia-Compliant: Ethical, Sharia-compliant financial solutions.
- Instant Transfers: Fast, easy local and international transfers.
- Secure Transactions: Biometric login, PIN, and encryption for added security.
- Comprehensive App: Manage wallet, pay bills, and shop online seamlessly.
- Expense Tracking: Real-time alerts and detailed reports to monitor spending.