Hala review

The monthly fee is SAR 0 on the business account. That sits at the floor of the business ranking, where the upper quartile is €0 and the priciest monthly fee on the business list is €99.

Hala issues a debit card, so spending draws on the business account balance rather than a line of credit. Debit is the most common type among business cards at 73.2%, with prepaid next. A business that wants to borrow needs a credit card instead.

The card runs on visa. Visa accounts for 54.1% of the business ranking, while locally run networks take a much smaller share at 3.8%. The same pattern holds across the site, where Visa sits at 58.6%.

The listed offers pay 1% in cashback. Cashback is the most common reward style across the site at 49.5%, ahead of points at 19.8% and of cards that pay nothing at 28.7%.

The card is aimed at business users, so it fits a company, a sole trader or a small team paying suppliers and staff from a business account. Business cards make up the whole of the business ranking at 100%, and personal spending is outside that focus.

Support runs on email, chat and phone, so a cardholder can pick chat, email or phone depending on the issue. Across the site, phone is the most widely offered channel at 67.3%, ahead of email at 58.1% and chat at 35.1%.

Hala charges a monthly fee of SAR 0. Wise lists £0, Varo Believe Secured Credit Card lists $0, and the Chime Card lists $0, so the monthly cost alone does not set them apart.