meem

Gulf International Bank digital brand. SAMA. Sharia-screened. Not a separate digital-bank licence.

NeobankHalal bankingactiveSaudi Arabia

Rate this app

6.8Mixed
Alternatives

Our take

Desk verdict

meem is Gulf International Bank’s digital brand in Saudi Arabia. SAMA. Sharia-compliant current and cards. Barq is a SAMA e-wallet. STC Pay is payments. This is a bank skin. Deposit protection, if it applies, follows GIB — confirm the live scheme sentence. Directories dump it next to a 2020 neobank. GIB is older than that.

Dhahran heritage, Riyadh retail. GIB is a Bahrain-born wholesale name with a Saudi digital front. The meem wordmark is not a second licence.

meem lists Digital brand of Gulf International Bank — Saudi Arabia. Not a separate SAMA digital-bank licence under SAMA in Saudi Arabia. On safeguarding we currently write: SAMA bank-deposit protection follows Gulf International Bank as a licensed bank. meem is a brand — shared with other GIB deposits. Confirm the live scheme copy.. Holder / issuer line: Gulf International Bank — Saudi Arabia. An AML programme is claimed. There is no IBAN-class local rail on the flags we store. We list 1 live markets on the product. As we score the sticker: monthly Digital SKU — confirm live; FX Bank tariff; ATM GIB / mada network. This desk would open it for: Saudi residents who want GIB in an app and a Sharia-screened current, not STC Pay.

What it does well: Named SAMA bank behind the brand; Sharia-screened SKU; mada rails. What to watch: KSA-resident; Shared cap with GIB; App ratings are mixed. Desk score 6.8 / 10 (safety 7.8, fees 7.2, features 7.0, app 7.4). Last verified 2026-08-30. Headquartered in Dhahran / Riyadh, Saudi Arabia; founded 2015. None of this is advice — it is a file so you can read the entity before the card colour.

Best for: Saudi residents who want GIB in an app and a Sharia-screened current, not STC Pay.

Pros

  • +Named SAMA bank behind the brand
  • +Sharia-screened SKU
  • +mada rails
  • +Not Barq

Cons

  • KSA-resident
  • Shared cap with GIB
  • App ratings are mixed
  • Directories invent a fintech charter

Account facts

Partner bank
Gulf International Bank

How it actually works

Custody
Bank balance
Local rails
In-app ledger
Built for
Personal · Halal
Settlement
App-ledger instant; bank rails per corridor
Review risk
Bank-grade; still not freeze-proof
Pay surface
visa · physical · virtual · Apple Pay · Google Pay

Safety

SAMA bank-deposit protection follows Gulf International Bank as a licensed bank. meem is a brand — shared with other GIB deposits. Confirm the live scheme copy.

Holder / issuer: Gulf International Bank — Saudi Arabia

  • SAMADigital brand of Gulf International Bank — Saudi Arabia. Not a separate SAMA digital-bank licence · Saudi Arabia

Fees

Monthly
Digital SKU — confirm live
FX markup
Bank tariff
ATM
GIB / mada network

Features

  • IBAN
  • Fee-free core
  • Multi-currency
  • Apple Pay
  • Google Pay
  • Virtual card
  • Physical card
  • Metal card
  • Crypto
  • Stocks
  • Business
  • Kids
  • Halal
  • SAR digital current
  • Sharia-screened
  • mada / Visa
  • SAMA via GIB
  • Not Barq’s e-wallet

Score

Safety25%
7.8
Fees20%
7.2
Features15%
7.0
App15%
7.4
Global15%
4.0
Support10%
6.4

Change log

Full log
  1. Licence

    Gulf International Bank digital brand, SAMA

    Sharia-screened. Not Barq. Not a separate digital-bank licence.

Available in

FAQ

01

Is meem a bank?

meem holds a banking-style licence (SAMA). Still read the legal entity on the statement, not the app icon.

02

How is money protected?

SAMA bank-deposit protection follows Gulf International Bank as a licensed bank. meem is a brand — shared with other GIB deposits. Confirm the live scheme copy.

03

Where is meem available?

We list 1 market desk on the desk. Residency and onboarding rules still sit with meem.

04

Card and wallets?

visa · physical · virtual · Apple Pay · Google Pay

Ratings and reviews

No published user reviews yet. The desk score still comes from licence, fees, and the product — not from a empty star average.

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Used meem?

Stars plus a short note. We publish after a desk read. “Verified user” is our tick, not yours.

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