Know exactly who paid you.
Maal gives every customer their own Saudi IBAN. The moment they pay over SARIE, you see who, how much, and when — all in one wallet you can withdraw to your bank anytime.
Money comes in. Answers don't.
A busy Saudi business takes dozens of transfers a month against one bank IBAN and a statement that only says a name and an amount. Matching each payment to the right customer and invoice is slow, manual, and easy to get wrong.
One shared IBAN for every customer — you can't tell who paid without asking.
Transfers, links, and cards live in separate places that never add up.
Funds sit in limbo while you reconcile by hand in a spreadsheet.
Maal gives every customer their own IBAN. The instant they pay, the money is already attributed to them — no name-matching, no guessing. Every collection method lands in one wallet, ready to withdraw to your own bank.
One account for getting paid.
Dedicated customer IBANs
Issue a unique Saudi IBAN for every customer. When they pay, Maal already knows exactly who it was — reconciliation happens by design.
Instant collections
Payments move over SARIE and SARIE Instant. Money arrives in seconds — any day, any hour, no batch windows to wait on.
One wallet
Every riyal you collect sits in a single balance you can see in real time — clear, current, and entirely yours.
Payment links
Send a link and get paid — no integration required. Customers pay by bank transfer or card, and it lands in the same place.
API & Bring-Your-Own-Payments
Build Maal collections into your own product. Create IBANs, issue links, and reconcile programmatically — or bring your own payment provider onto our rails.
Withdraw to your bank
Move funds to your own bank account whenever you want. Your money stays your money — no lock-in, no waiting.
Three steps to getting paid.
Add a customer
Create a customer in Maal and they instantly get their own dedicated Saudi IBAN and a shareable payment link.
They pay you
Your customer sends a transfer over SARIE — or taps the link. Maal attributes it to them the moment it lands.
Withdraw anytime
Collected funds gather in your Maal wallet. Send them to your own bank account whenever it suits you.
A money API
that reconciles itself.
- Create IBANs on demand. One call per customer — every payment to it is pre-attributed.
- Real-time webhooks. Get notified the instant funds land, signed and idempotent.
- Ledger-grade accuracy. Every movement is recorded on a double-entry ledger, so the numbers always reconcile.
- Bring your own payments. Run Maal as orchestration on top of your own acquirer.
# Give a customer their own Saudi IBAN POST https://api.maal.sa/v1/collections/ibans { "customer": "cus_9Fk2Ls", "reference": "INV-2025-0412" } → 201 Created { "iban": "SA44 8000 ···· 4471", "status": "active", "wallet": "wlt_main" }
Held to the standard money deserves.
Maal is being built from the ground up to meet the Saudi Central Bank's requirements for handling business funds — safeguarding, residency, and oversight are foundations, not afterthoughts.
Funds safeguarded
Customer balances are held in segregated, safeguarded accounts — kept fully separate from Maal's own money.
Data hosted in-Kingdom
Your data is processed and stored inside Saudi Arabia, in line with SAMA data-residency requirements.
SAMA regulatory framework
Maal is being built to the Saudi Central Bank's Electronic Money Institution standards and is pursuing a Major EMI licence.
Maal is developing its services within the Saudi Central Bank (SAMA) regulatory framework. Maal is not yet a licensed financial institution; the services described here will be offered subject to regulatory authorisation.
Free to start. Pay as you grow.
Simple per-collection pricing with no monthly minimums to begin. Open an account, start collecting, and only pay more as your volume climbs.
Everything a small business needs to start collecting.
- Dedicated customer IBANs
- Payment links
- One wallet, real-time balance
- Withdraw to your bank
For businesses collecting at higher volume.
- Everything in Starter
- Reduced per-collection fees
- Higher limits & team access
- Priority support
API access and bring-your-own-payments for builders.
- Full collections API
- Bring your own payment provider
- Dedicated infrastructure
- Custom commercial terms
Be first to open a Maal account.
We're onboarding Saudi businesses in cohorts. Leave your email and we'll reach out when your spot opens.