What Is Mobily Pay in Saudi Arabia: Wallet, Visa Cards, Transfers and Fees
Mobily Pay is Mobily’s digital wallet. It is a separate app from the Mobily app, and it handles money rather than your mobile line: you can store funds, pay bills, send money to family and friends, transfer money abroad, and get a Visa card for everyday spending.
It is licensed by the Saudi Central Bank (SAMA) and operated by Etihad Digital Financial Company. Your Mobily Pay account is an e-money wallet, not a bank account, so there is no overdraft.
One point many people get wrong: you do not need a Mobily SIM to use it. Mobily Pay is open to Saudi residents on any network, and you can register with a number from any Saudi carrier.
What You Can Do With Mobily Pay
| Service | What it does |
|---|---|
| Wallet account | Store money in the app after a fully digital sign-up and identity check |
| Top up | Add funds by debit or credit card, Apple Pay, or by redeeming Mobily Neqaty points |
| Wallet transfer | Send money to another Mobily Pay user by mobile number, request money, or send a gift |
| Qattah | Create a group collection and split an amount between family or friends |
| Household salaries | Pay domestic worker salaries through the Musaned platform |
| Remittances | Send money abroad through Mobily Pay’s remittance partners, to supported countries |
| SADAD | Pay utility, telecom and other bills through SADAD |
| IPS transfers | Send and receive money between local banks in real time through the Instant Payment System |
| Marketplace | Buy digital products in the app, such as gaming and iTunes cards |
| Visa cards | Get a digital Visa card for local and international payments, online and in stores |
Mobily Pay Visa Cards Compared
| Card | Annual fee | Rewards (cashback) | International transaction fee | Plastic card |
|---|---|---|---|---|
| Classic | SAR 0 | 0.50% | 2.75% | Digital only |
| Platinum | SAR 0 | 1.00–1.50% | 1.99% | SAR 35 + VAT, delivered by Aramex |
| Signature | Paid — check the current fee in the app | 1.50–2.00% | 1.99% | Free |
Two honest notes on this table. First, sources disagree on the Signature annual fee, so we have not printed a figure here — open the Mobily Pay app and check the current fee before you apply. Second, the Platinum plastic card fee above is the standard fee; any limited-time waiver Mobily Pay runs from time to time will be shown in the app.
Because the cards are prepaid, you can only spend money you have already loaded. That makes them a simple way to control spending, and a useful option if you do not want a credit card.
How to Register for Mobily Pay
Registration is fully digital — there is no branch visit. You need to be 18 or older, hold a valid Iqama or Saudi national ID, and have a mobile number registered under your own ID.
- Download the Mobily Pay app from the App Store or Google Play.
- Open the app and start registration with your mobile number.
- Enter your personal details and complete the identity verification step.
- Once your wallet is active, add funds and order your Visa card in the app.
If the app asks for extra documents during verification, that is a normal part of the identity check. Do not share your verification codes or wallet PIN with anyone who contacts you claiming to be from Mobily Pay — the real team will never ask for them.
How to Top Up Your Mobily Pay Wallet
You can add funds in three ways:
- Debit or credit card — link a card in the app and top up whenever you need.
- Apple Pay — top up directly from your iPhone.
- Neqaty points — redeem your Mobily Neqaty loyalty points into wallet balance.
Limits apply to how much you can hold and move, and they depend on your wallet tier. As a guide, Mobily Pay lists a daily limit of SAR 20,000 and a monthly limit of up to SAR 100,000. Your exact limits are shown in the app, so check there before a large transfer.
Mobily Pay vs the Mobily App: What Is the Difference?
This confuses a lot of people, because both apps come from Mobily.
- The Mobily app manages your mobile line: checking balance and data, buying packages, paying your Mobily bill and contacting support.
- Mobily Pay manages money: a wallet, Visa cards, transfers, SADAD bills and remittances.
They work together in one place: you can pay your Mobily bill from Mobily Pay in one click — see our guide on how to pay your Mobily bill — and you can also pay it inside the Mobily app with a card. If you only want to manage your line, you do not need Mobily Pay at all — see our guide on how to use the Mobily app. If you want a wallet for transfers and a prepaid card, Mobily Pay is the app for that.
Related guides: How to recharge Mobily and Mobily prepaid vs postpaid plans compared.
Is Mobily Pay Safe?
Mobily Pay is authorised and regulated by SAMA, the Saudi Central Bank, which is the financial supervisor in the Kingdom. Money in the wallet is held as e-money, and the app shows a full history of your transactions.
Still, use the same care as with any money app: keep your PIN private, only download the app from the official App Store or Google Play listing, and contact Mobily Pay directly on 800 100 0800 or at MobilyPayCare@Mobily.com.sa if something looks wrong.
Frequently Asked Questions
Do I need a Mobily SIM to use Mobily Pay?
No. Mobily Pay is open to Saudi residents on any network. You can register with a mobile number from STC, Zain or any other Saudi carrier, as long as the number is registered under your own ID.
Is Mobily Pay free?
Opening a wallet and getting the Classic or Platinum Visa card carries no annual fee. The Signature card is a paid card — check the current fee in the app before applying. Some services, such as international transfers and international card payments, carry their own fees.
How do I add money to Mobily Pay?
You can top up with a debit or credit card, through Apple Pay, or by redeeming Mobily Neqaty points. Top-up limits depend on your wallet tier and are shown in the app.
Can I send money abroad with Mobily Pay?
Yes. Mobily Pay offers international remittances through its remittance partners, and you can send to a bank account, for cash pickup, or to a wallet, depending on the destination country. Fees and supported countries are shown in the app before you confirm.
What is the difference between Mobily Pay and the Mobily app?
The Mobily app manages your mobile line — balance, packages and bills. Mobily Pay is a separate money app — a wallet, Visa cards, transfers and SADAD payments. You can pay your Mobily bill from either one.
Last updated: 12 November 2026
Edited by Ali.