Hala review

The monthly fee is SAR 0, so the card carries no recurring charge to budget for. Spending goes straight off the account balance through a debit card, and 1% cashback comes back on purchases. That makes the running cost easy to plan around.

Hala issues a debit card on the visa network. A debit card draws on the balance in the account at the moment of purchase, which suits a funded company account. Cards on that network are accepted at merchants in many countries.

Hala pays cashback of 1% on card spend, so spending through the card earns a small rebate on everyday company purchases. The rate is modest, and it is the main reward on offer beyond the SAR 0 monthly fee.

The card targets business accounts, so it is built for company money rather than personal spending. That shapes what you get: a debit card, a SAR 0 monthly fee and cashback of 1%. Personal users would be looking at a consumer account instead.

Support runs on email, chat and phone, which covers email, chat and phone. For a business that means a written record in email, a quick answer in chat, or a spoken one by phone when a payment needs checking.

Not among them. The Hala monthly fee is SAR 0, and Wise lists £0 while Monzo Flex lists £0. Bitpanda also shows €0. On fee alone they sit together, so the business focus is what tells them apart.