SiFi review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
SiFi suits businesses that want a Mastercard prepaid card with cashback, a virtual card for travel and a monthly fee of SAR 0. The trade-off is the audience, since business customers are the target, and cashback runs 0% to 1.5%, at the lower end of rewards cards.
Key facts
- Best for
- A business prepaid card with cashback, a virtual card and a SAR 0 monthly fee.
- Monthly fee
- SAR 0↗
- Card type
- Prepaid↗
- Cashback rate
- 0% to 1.5%↗
- Card network
- Mastercard↗
- Legal entity
- Alhulul Almobassatah Financial Company↗
- Headquarters
- Saudi Arabia↗
- Support channels
- Email, Chat, Phone, Help-centre↗
- Features
- Virtual card, Travel
- Audience
- Business
- Official website
- sifi.app
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- LinkedInXinstagram.comtiktok.com
Pros and cons
Pros
- A monthly fee of SAR 0 applies, so holding the business account open costs nothing.
- Cashback runs 0% to 1.5% on everyday card spend, with no points scheme to keep track of.
- Support runs on email, chat and phone, so help is there by phone and online.
- The card runs on mastercard and adds virtual card and travel for online payments and travel.
Cons
- It is built for business customers, so a personal account is not part of the offer.
- Cashback runs 0% to 1.5%, so heavier spending does not lift the return much.
- The prepaid format means money is loaded before it is spent, which suits company outlays rather than a balance held for longer.
Who it suits
- Businesses that want a mastercard prepaid card with 0% to 1.5% cashback and no recurring charge.
- Teams that need a virtual card for travel and online subscriptions, covered by virtual card and travel.
- Anyone who wants to pick up the phone or chat, given email, chat and phone.
Who should look elsewhere
- Personal users, because the offer targets business customers; bunq is the personal account to compare.
- Anyone after an everyday personal account, where Wise has a monthly fee of £0.
- Readers weighing a secured card instead, since the Varo Believe Secured Credit Card has a monthly fee of $0.
Who runs it
SiFi is issued by Alhulul Almobassatah Financial Company, which is headquartered in Saudi Arabia and regulated by the Saudi Central Bank (SAMA). Support runs on email, chat and phone, so a card holder can reach the team by phone, by chat, by email or through the help centre, whichever suits the query.
How SiFi compares
Where SiFi is available
- Available
- Saudi Arabia
- Licence in Saudi Arabia
- Saudi Central Bank (SAMA), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does a SiFi account cost to keep?+
The monthly fee is SAR 0 on the account, so there is nothing to pay for holding it open. The card is a prepaid card, so what you spend comes out of a balance you have loaded onto the account.
How much cashback does the SiFi card pay?+
Cashback runs 0% to 1.5% on the card, which is the reward on offer rather than a points scheme. It sits on a prepaid Mastercard, and the cashback applies to spend drawn from the loaded balance.
What kind of card is SiFi?+
It is a prepaid card issued by Alhulul Almobassatah Financial Company and running on mastercard. You load money onto the account and spend down that balance, which suits keeping work spending apart from personal money.
Where can the SiFi card be used?+
The card runs on mastercard, so it is accepted wherever that network is taken, at shops and online. virtual card and travel adds a virtual card for online payments and travel use, which helps with bookings and subscriptions.
Who can open a SiFi account?+
SiFi is aimed at business customers, so the account is set up for company spending rather than personal use. The card type is prepaid and the monthly fee is SAR 0, which keeps the running cost at nothing.
Whose money is on the SiFi card?+
The card comes from Alhulul Almobassatah Financial Company, based in Saudi Arabia and regulated by the Saudi Central Bank. Because the account is a prepaid card, the loaded balance sits in the card arrangement rather than a savings account, so it works as spend money.
How do I get help from SiFi?+
Support runs on email, chat and phone, so a card holder can reach the team by phone, by chat, by email or through the help centre. Those channels belong to the provider behind the account, Alhulul Almobassatah Financial Company, which serves business customers.
How does the monthly cost compare with bunq?+
The monthly fee is SAR 0 here and bunq's is €0, so both accounts cost nothing to hold. The difference is the audience, since SiFi is built for business customers while bunq is listed for personal accounts.
Sources
- sama.gov.sa/en-US/MediaCenter/News/Pages/news-974.aspx checked September 26, 2026
Backs: Licences
- sifi.app/en/benefits/sifi-card-benefits checked September 26, 2026
Backs: Card network
“Explore the exclusive perks available to you as a Mastercard cardholder.”
- sifi.app/en/legal checked September 26, 2026
Backs: Card type, Headquarters, Legal entity, Support channels
“The Account is an e-money account. The Customer acknowledges that the Account is not a bank account. There is no overdraft facility available on the Customer's Account.”
- sifi.app/en/legal/payment-cards-extension checked September 26, 2026
Backs: Cashback rate
“Tier 3 More than SAR 100,000 Up to 1.5% cashback; Tier 2 Between SAR 25,001 to SAR 100,000. Up to 0.5% cashback; Tier 1 Between SAR 0 to SAR 25,000. No cashback”
- sifi.app/en/pricing checked September 26, 2026
Backs: Audience, Features, Monthly fee
“Starter - For micro businesses. Essential - For small & mid-sized businesses. Advanced - For large companies.”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.