Saudi Arabia
activeNeobankWallet / e-money
- HQ
- Riyadh
- Fee
- Confirm live in the STC Bank app
D360 Bank
First Saudi digital bank on its own homepage. SAMA. Shariah-compliant. PIF-backed.
Legal entity: D360 Bank — closed joint stock company, CR 1010822737
Rate this app
6.9Mixed
AlternativesFive questions
At a glance
Is it a bank?
Yes — Licensed digital bank — closed joint stock company (Saudi Central Bank (SAMA)). Still read the entity on the statement.
If it fails?
SAMA-licensed digital bank. Eligible deposits follow the kingdom’s bank scheme — confirm the live SAMA deposit-guarantee rules. This is not Barq (e-wallet) and not stc pay the wallet class.
Salary?
A SAMA digital bank account can take a Saudi salary. Confirm the product you open.
Open from abroad?
Saudi KYC / Absher-class onboarding. Not a tourist wallet.
Monthly fee
Confirm live — fees page on d360.com/en/services-fees
Account number
No IBAN-class local rail on this file.
NeoBankDBVerdict
Licence first · score second
6.9
/10 · Mixed
D360 Bank’s own footer is the review: regulated by the Saudi Central Bank; closed joint stock company; capital SAR 2,100,000,000; CR 1010822737; Council of Ministers decree 389 dated 15 February 2022; 7913 King Abdulaziz Rd, Al Arid, 13332 Riyadh. SAMA announced no-objection to commence banking operations on 17 December 2024. It is one of three licensed digital banks in the kingdom. Barq is an e-wallet. STC Bank is the other conversion story (ex-stc pay). meem is Gulf International Bank’s skin. D360 is the digital bank. Shariah-compliant on its own copy, with an independent Shariah committee. Eligible deposits follow SAMA bank rules — this file does not invent a riyal cap the homepage did not print.
What it is
PIF lists D360 Bank as a portfolio digital bank. Directories will file it next to STC Pay. The licence class is the split. Read the CR number.
Best for: Saudi residents who want a SAMA digital bank with a printed Shariah committee, not an e-wallet.
Last checked 2026-09-02. Not advice.
What it does well
- +SAMA digital-bank licence on the footer
- +CR 1010822737 and SAR 2.1bn capital printed
- +Independent Shariah committee named
- +Not Barq
What to watch
- −Saudi residency / Absher-class KYC
- −Young bank (operations from Dec 2024)
- −Guarantee cap not printed as a riyal figure on the homepage
- −Not a multi-country IBAN
Legal entity, not the app icon
Who is behind it
- Legal name
- D360 Bank — closed joint stock company, CR 1010822737
- Parent
- Public Investment Fund portfolio company (PIF’s own page)
- Offices
- 7913 King Abdulaziz Rd, 2122 Al Arid Dist., 13332 Riyadh, Kingdom of Saudi Arabia
The product, not the brand colour
The account
- Platforms
- iOS · Android
- Account types
- Personal digital bank
- Partner bank
- D360 Bank
- Availability
- Kingdom of Saudi Arabia
- Remote open
- Saudi KYC / Absher-class onboarding. Not a tourist wallet.
- Salary / payroll
- A SAMA digital bank account can take a Saudi salary. Confirm the product you open.
- Local rails
- Saudi domestic rails (SAR)
How money actually moves
- Who holds the cash
- Bank balance
- How money moves
- In-app ledger
- Built for
- Personal · Halal
- Settlement
- App-ledger instant; bank rails per corridor
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- visa · physical · virtual · Apple Pay · Google Pay
Licence first
Safety
SAMA-licensed digital bank. Eligible deposits follow the kingdom’s bank scheme — confirm the live SAMA deposit-guarantee rules. This is not Barq (e-wallet) and not stc pay the wallet class.
Holder / issuer: D360 Bank
- Saudi Central Bank (SAMA)Licensed digital bank — closed joint stock company · Saudi Arabia
Fees
- Monthly
- Confirm live — fees page on d360.com/en/services-fees
- FX markup
- Bank FX
- ATM
- Confirm live on the fees page
Features
- –IBAN
- –Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- ✓Halal
- SAMA digital bank
- Shariah committee
- Personal financing
- PIF-backed
Before you tap Sign up
How to open
Step 1
Name the entity
D360 Bank, SAMA digital bank, CR 1010822737. Not Barq. Not an e-wallet.
Step 2
Saudi KYC
National ID / Absher as the app asks. Residency-gated.
Step 3
Read the fees page
d360.com/en/services-fees outranks any directory tariff.
Official help: d360.com/en/report-complaint
Operator documents
Their own papers
These are the operator’s documents. They outrank this review if they disagree.
Score
- Safety25%
- 8.4
- Fees20%
- 7.0
- Features15%
- 7.6
- App15%
- 8.0
- Global15%
- 2.6
- Support10%
- 7.0
Change log
Full logLicence
SAMA no-objection for D360 banking operations
Council of Ministers decree 389 / 15 Feb 2022. CR 1010822737. Capital SAR 2.1bn. Shariah committee on the live footer.
Available in
Straight answers
FAQ
01Is D360 Bank a bank?
D360 Bank holds a banking-style licence (Saudi Central Bank (SAMA)). Still read the legal entity on the statement, not the app icon.
02How is money protected?
SAMA-licensed digital bank. Eligible deposits follow the kingdom’s bank scheme — confirm the live SAMA deposit-guarantee rules. This is not Barq (e-wallet) and not stc pay the wallet class.
03Where is D360 Bank available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with D360 Bank.
04Card and wallets?
visa · physical · virtual · Apple Pay · Google Pay
05Can I open D360 Bank remotely?
Saudi KYC / Absher-class onboarding. Not a tourist wallet.
06What is the legal name behind D360 Bank?
D360 Bank — closed joint stock company, CR 1010822737. Read the entity on the statement, not the app icon.
07Can I receive salary on D360 Bank?
A SAMA digital bank account can take a Saudi salary. Confirm the product you open.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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