Hala review

The monthly fee is SAR 0, and cashback of 1% runs through the offers programme. That makes the card a low cost everyday tool for a business account, with the reward adding a small return on spend. The fee and the cashback rate are the two figures that decide whether it is worth keeping.

Spending draws on the business account balance, and the card type is listed as debit. That suits firms that want a simple spending card tied to the account they already hold, rather than a card that carries a balance to repay.

The card runs on the visa network, so it can be used wherever Visa debit cards are accepted. Network choice matters for a business account because staff and suppliers can pay with the same card, and the card type is debit.

Cashback of 1% is offered, so spending through the offers programme returns a small share of what the business spends. The reward is plain cashback on a debit card, which is easy to follow and leaves the way the account is run unchanged.

Support runs on email, chat and phone, so a business can call, chat or email. Having phone and chat alongside email matters when a payment is held and an account is mid transaction, since someone can be reached without waiting on a written reply.

The account is built for the business audience, so sole traders, limited companies and larger firms are the intended users. A personal card from Wise or bunq fits a household budget instead, and both sit outside the business focus.

Hala charges a monthly fee of SAR 0 on the business account, while bunq lists €0 and Wise lists £0. The difference between the three is the currency each account is billed in, since Hala serves the business audience rather than a household budget.

The card listed is a debit card, so it pays out from the business balance. Anyone who wants to borrow on the card can look at the Varo Believe Secured Credit Card, which carries a monthly fee of $0.