Amwal is a Saudi consumer BNPL platform that lets users split retail purchases into instalments.

Does Amwal offer rewards?

Yes, users earn Mokafaa points on eligible purchases.

Is Amwal Sharia complaint?

Yes, all bank installment plans comply with Islamic Sharia principles.

Where can Amwal be used?

Amwal is available across a wide and growing network of leading online and in-store retailers in Saudi Arabia

Does Amwal charge any fees or interest?

Plans are free of interest and fees, with no extra charges applied at any stage.

Does Amwal set a limit?

Customers can use the service for purchases up to 100,000 SAR depending on their available credit.

Amwal is a Saudi consumer BNPL platform that lets users split retail purchases into instalments.

Does Amwal offer rewards?

Yes, users earn Mokafaa points on eligible purchases.

Is Amwal Sharia complaint?

Yes, all bank installment plans comply with Islamic Sharia principles.

Where can Amwal be used?

Amwal is available across a wide and growing network of leading online and in-store retailers in Saudi Arabia

Does Amwal charge any fees or interest?

Plans are free of interest and fees, with no extra charges applied at any stage.

Does Amwal set a limit?

Customers can use the service for purchases up to 100,000 SAR depending on their available credit.

Amwal

Updated: January 21, 2026 • All Amwal product data verified by Giraffy Radar.

Amwal is a Saudi consumer fintech platform designed to make everyday shopping more flexible and rewarding through Buy Now, Pay Later (BNPL). Built for individual users, Amwal allows customers to split retail purchases into manageable instalments while earning points on their spending.

Focused entirely on consumer retail, Amwal partners with merchants across Saudi Arabia to offer flexible checkout options without the need for traditional credit cards. The platform is digital-first, using virtual cards and in-app approvals to keep the experience fast and secure. With over 1 million active users, Amwal positions itself as a simple, accessible way to manage purchases responsibly while benefiting from rewards on daily spending.

Quick Stats

Live Offers

2022

Founded

1M+

Customers

Buy Now, Pay Later (BNPL)

Amwal’s BNPL service allows consumers to split retail purchases into instalments at checkout, making everyday spending more manageable. The platform is designed specifically for consumer retail use, covering online and in-store purchases with participating merchants across Saudi Arabia.

Users complete transactions using their card, which enables flexible payment schedules. Repayments are structured in advance, helping users plan spending responsibly while avoiding unexpected bills. In addition to instalment flexibility, Amwal rewards users with points on eligible purchases, which can be redeemed for benefits within the platform. This combination of flexibility and rewards makes Amwal appealing to users who want control, transparency, and added value from their everyday shopping.

Why Amwal BNPL Is Good

Designed specifically for individual consumers
BNPL for everyday retail purchases
Structured instalments with clear repayment schedules
Earn points on eligible spending
App-based experience with simple onboarding

Latest offers

See all offers

Buy Now, Pay Later

View Offer

I use Amwal for shopping because it makes payments much easier to manage. The instalments are clear, and earning points on purchases is a nice bonus. Setup was quick, and works smoothly with my existing credit card every time.

Maha A.

Jeddah

Why Amwal?

Amwal is a strong choice for consumers in Saudi Arabia who want flexible BNPL options combined with rewards on everyday spending. Its virtual-card-based approach, clear instalment plans, and points system make it especially appealing for users who shop regularly and want more control over cash flow.

If you’re looking for a modern BNPL app focused on consumer retail — without relying on traditional credit cards — Amwal offers a simple, rewarding, and fully digital experience.