Mobily Pay — Prepaid Cards, Physical Card, Fees & Alternatives
Mobily Pay is the digital wallet from Saudi telecom operator Mobily, with three prepaid Visa cards. Giraffy lists Classic (SAR 0 a year, 0.50% rewards, 2.75% international fee), Platinum (SAR 0 a year, 1.00–1.50% rewards, 1.99% international fee) and Signature (SAR 575 a year including VAT, 1.50–2.00% rewards, 1.99% international fee, 3,000 miles welcome bonus). Cards are issued digitally in the app and work with Apple Pay; a plastic card can be ordered for Platinum (SAR 35 + VAT via Aramex) and Signature (free), per Mobily Pay's fees page. Domestic ATM withdrawals are SAR 0 on all three cards on Giraffy's data. The wallet is open to any Saudi resident — you do not need a Mobily SIM. Mobily Pay is currently running a reduced Signature issuance fee of SAR 280 + VAT until 31 October 2026.
Live offers
- Classic
- Platinum
- Signature
| Provider | Mobily Pay (Mobily / Etihad Etisalat group) |
|---|---|
| Country | Saudi Arabia |
| Live offers on Giraffy | 3 prepaid Visa cards: Classic, Platinum, Signature |
| Annual fee | Classic SAR 0 · Platinum SAR 0 · Signature SAR 575 (incl. VAT) |
| International transaction fee | 2.75% Classic · 1.99% Platinum and Signature |
| Rewards | 0.50% Classic · 1.00–1.50% Platinum · 1.50–2.00% Signature |
| Physical (plastic) card | Platinum SAR 35 + VAT via Aramex · Signature free · Classic digital |
| Wallet limits | SAR 20,000 per day; up to SAR 100,000 a month depending on wallet tier |
| Customer service | Toll-free 800 1000 800 |
| Alternatives | STC Pay, Alinma Pay, urpay |
Best for
- Travellers who want a SAR 0 card with a 1.99% international fee (Platinum)
- Anyone who wants rewards on a free prepaid card without a bank account
- Mobily subscribers who want their wallet in the same group as their SIM
Not ideal for
- Users who want credit, instalments on a credit line, or a savings account — Mobily Pay cards are prepaid
- Classic cardholders spending abroad — 2.75% international fee is the highest of the three cards
Mobily Pay prepaid cards
Three prepaid Visa cards issued in the Mobily Pay app, listed on Giraffy with annual fees from SAR 0.
- Classic: SAR 0 a year, 0.50% rewards, 2.75% international fee, SAR 0 domestic ATM withdrawal
- Platinum: SAR 0 a year, 1.00–1.50% rewards, 1.99% international fee, SAR 0 card replacement
- Signature: SAR 575 a year (incl. VAT), 1.50–2.00% rewards, 1.99% international fee, 3,000 miles welcome bonus
- International ATM withdrawals: SAR 75 on all three cards
Best for: Platinum suits most users: no annual fee and the lower 1.99% international fee.
Compare prepaid cards in Mobily Pay in Saudi Arabia: 3 live plans compared
Mobily Pay vs alternatives
Mobily Pay vs STC Pay
Saudi Arabia's best-known wallet with Classic, Platinum and Signature cards. Mobily Pay vs STC Pay: both charge SAR 575 a year for Signature, but Mobily Pay's Platinum is SAR 0 a year versus SAR 230 for STC Pay Platinum, with a 1.99% international fee versus 2.00%. STC Pay charges SAR 28.75 for domestic ATM withdrawals; Mobily Pay lists SAR 0.
Mobily Pay vs Alinma Pay
Free Platinum Cashback card with 1.20% rewards. Mobily Pay vs Alinma Pay: Alinma Pay's Platinum Cashback card is also SAR 0 a year with 1.20% rewards and a 2.20% international fee; its Signature card is SAR 300 a year versus SAR 575 for Mobily Pay Signature.
Mobily Pay vs urpay
Free Visa prepaid card and SAR 0 transfer fees. Mobily Pay vs urpay: urpay's Visa Prepaid card is SAR 0 a year with a 2.20% international fee but no rewards on Giraffy's data; Mobily Pay Platinum adds 1.00–1.50% rewards at the same SAR 0 fee.
Mobily Pay in Mobily Pay in Saudi Arabia: 3 live plans compared — FAQ
What is Mobily Pay?
Mobily Pay is the digital wallet and prepaid card service from Mobily, offering Classic, Platinum and Signature Visa prepaid cards for everyday and online payments, plus local and international transfers.
Does Mobily Pay have a physical card?
Yes. Cards are issued digitally first, and Mobily Pay's fees page lists a plastic card for Platinum (SAR 35 + VAT, delivered by Aramex) and Signature (free). Mobily Pay is waiving the Platinum plastic card fee until 31 October 2026.
Is the Mobily Pay card free?
Classic and Platinum have SAR 0 annual fees on Giraffy. Signature is SAR 575 a year including VAT, with 1.50–2.00% rewards and a 3,000 miles welcome bonus.
What is the Mobily Pay international transaction fee?
2.75% on Classic and 1.99% on Platinum and Signature, per Giraffy's listing. For comparison, STC Pay charges 2.00% and Alinma Pay and urpay 2.20%.
Do I need a Mobily SIM to use Mobily Pay?
No. Mobily Pay is open to Saudi residents on any network; you register in the Mobily Pay app.
What are the Mobily Pay transfer limits?
Mobily Pay lists a daily limit of SAR 20,000 and a monthly limit of up to SAR 100,000, depending on your wallet tier. Wallet-to-wallet transfers are free.
Mobily Pay Services: Simplified Digital Financial Solutions
Mobily Pay offers a range of services designed to help users manage their daily financial needs with ease. From making payments and transfers to monitoring expenses, Mobily Pay provides convenient solutions for both personal and business use.
Digital Wallet
Mobily Pay’s digital wallet allows you to store and manage your money securely in one place, making it easy to track your spending and budget efficiently. The wallet is linked to your mobile number, enabling secure and quick access whenever you need it.
Key Features:
- Secure storage for digital funds
- Easy access through the Mobily Pay app
- Instant transfers and payments
- Budgeting tools to help manage finances
Local and International Transfers
With Mobily Pay, users can send money locally and internationally with minimal fees, making it an affordable solution for transferring funds to friends and family within Saudi Arabia and abroad. These transfers are fast and secure, ensuring peace of mind for the sender and recipient.
Key Features:
- Competitive transfer fees
- Support for multiple currencies
- Secure, instant transfers
Bill Payments and Mobile Top-Ups
Mobily Pay allows users to pay their utility bills, mobile phone bills, and other expenses directly from their digital wallet. This feature ensures that you can stay on top of your bills without having to visit physical payment centers, saving both time and effort.
Key Features:
- Instant bill payments for utilities, telecom, and more
- Option for recurring payments
- Mobile top-ups available for convenience
Mobily Pay App: Your Gateway to Secure Digital Payments
The Mobily Pay app, available on both iOS and Android, provides users with a seamless, easy-to-use interface for managing all their financial needs in one place. Designed with security in mind, the app includes advanced authentication options and data encryption to protect user information.
App Features
- User-Friendly Interface: Simple navigation for quick access to all features
- Multi-Layered Security: Biometric login, PIN protection, and encryption for added safety
- Real-Time Alerts: Stay updated with instant notifications for each transaction
- Expense Tracking: View detailed reports of your spending habits to stay within budget
Why Choose Mobily Pay?
- Convenience: Easily send and receive money instantly through a user-friendly mobile app.
- Security: Advanced security measures protect personal information and transactions.
- Wide Acceptance: Use STC Pay for online shopping at numerous retailers and for bill payments.
- Quick Registration: Simple sign-up process using your phone number and minimal personal information.
- Competitive Fees: Enjoy low transaction fees, especially for international money transfers.