SiFi review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
SiFi is a prepaid Mastercard card aimed at businesses, with a monthly fee of SAR 0 and cashback of 0% to 1.5%. It suits small firms that want a virtual card for travel spending, and it is licensed by the Saudi Central Bank at home.
Key facts
- Best for
- A business prepaid card with no monthly charge and a virtual card for travel spend.
- Monthly fee
- SAR 0 (Source, checked September 26, 2026)
- Card type
- Prepaid (Source, checked September 26, 2026)
- Cashback rate
- 0% to 1.5% (Source, checked September 26, 2026)
- Card network
- Mastercard (Source, checked September 26, 2026)
- Legal entity
- Alhulul Almobassatah Financial Company (Source, checked September 26, 2026)
- Headquarters
- Saudi Arabia (Source, checked September 26, 2026)
- Support channels
- Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
- Features
- Virtual card, Travel
- Audience
- Business
- Official website
- sifi.app
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- LinkedInXinstagram.comtiktok.com
Pros and cons
Pros
- Monthly fee of SAR 0, so holding the account open adds no monthly cost.
- Cashback of 0% to 1.5% on spend, which trims a little off company volume.
- A virtual card and travel spending are both offered (virtual card and travel), handy for bookings and subscriptions.
- Skrill, by contrast, lists a monthly fee of €5, so SiFi costs less to keep open.
Cons
- The account is built for business use, so personal spending is not what it is set up for.
- It is a prepaid card, so what you can spend is tied to the balance you hold rather than a credit line.
- Cashback of 0% to 1.5% is modest, so rewards are not the reason to pick it.
Who it suits
- Businesses that pay for travel and want a virtual card for online bookings.
- Firms watching overheads, since the monthly fee is SAR 0.
- Teams that want help by email, chat and phone rather than one channel only.
Who should look elsewhere
- Personal users: SiFi is aimed at business, so Skrill or the CrediMax Cardy EX prepaid Visa may suit day to day spending better.
- Anyone comparing flat monthly costs: the JMMB Moneyline and JMMB Money Transfer prepaid card lists JMD 0 a month and the CrediMax Cardy EX prepaid Visa lists BHD 0, so check what each issuer adds on top.
The company behind it
SiFi is issued by Alhulul Almobassatah Financial Company, the Saudi company behind the app, and its home market is SA. Support runs on email, chat and phone, which covers email, chat, phone and a help centre. If you run a business account, that mix means you can start in the help centre and still reach a person by phone when a payment needs sorting.
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
What does SiFi cost to keep?+
The monthly fee is SAR 0, so there is no charge for holding the account open each month. On top of that, spend earns cashback of 0% to 1.5%. The card is a prepaid card, so your spending is limited to the balance you hold.
Is SiFi regulated?+
SiFi is licensed by the Saudi Central Bank in Saudi Arabia, where the account is based. The card runs on mastercard, so it is accepted wherever that network is taken. Read the licence terms in the app for what the arrangement covers.
Who is SiFi built for?+
SiFi lists business as its audience, so the card is set up for company spending rather than personal day to day use. It suits a business that pays for travel and wants a virtual card for online bookings on the same account.
Can I get a virtual card?+
A virtual card is one of the features SiFi lists (virtual card and travel), alongside travel. A virtual card is handy for subscriptions and online payments because you can add it, use it and drop it without a physical card in hand.
How much cashback do I earn?+
Cashback runs at 0% to 1.5%. That is a modest return on business spend, so the card works better for cost control than for rewards. If cashback is the deciding factor, compare the rate against other prepaid cards before moving a company account across.
How do I get help?+
Support covers email, chat and phone. In practice that means an email address, live chat, a phone line and a help centre, so you can start with self service and escalate if a payment is stuck. For a business card, keep the phone option for when a top up needs a person.
Where is SiFi available?+
The company sits in SA and is licensed there by the Saudi Central Bank. That shapes who can open the account: SiFi lists business as its audience, so the card is aimed at businesses in that market. If you are outside it, the monthly fee of SAR 0 will not be the deciding factor.
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.
SiFi
A business prepaid card with no monthly charge and a virtual card for travel spend.