D360 Bank
A SAMA-licensed, Sharia-compliant digital bank with no branches, run entirely through an app in English and Arabic, offering quick account opening, debit cards, daily-profit savings and international transfers.
About D360 Bank
D360 Bank describes itself as the first Saudi digital bank and is licensed and supervised by the Saudi Central Bank (SAMA), following a Council of Ministers licensing decision in February 2022. It is backed by the Public Investment Fund and Derayah Financial, and began operations in December 2024. The bank said in May 2025 that it had passed one million customers within four months of its official launch. All services run through its mobile app, with no physical branches.
Key Features
- Fast App Onboarding: An account can be opened in the app in about two minutes, according to the bank.
- Cards and Wallets: Debit cards that work with Apple Pay, Samsung Pay and Google Pay, with no foreign-currency fees on card spending according to the app listing.
- Sanabil Savings: Sharia-compliant savings accounts, including a daily account that calculates and pays profit every day.
- Transfers and Bills: Local and international transfers and bill payments directly in the app.
How to Get Started
- Download the D360 Bank app from the App Store or Google Play and choose English or Arabic.
- Start the sign-up with your mobile number and the identity details the app requests.
- Complete the identity check and the questions the app asks about your work and income.
- Order your debit card in the app and add it to your phone wallet.
The bank's public materials focus on Saudi consumers and do not clearly state which residents can open an account, so check eligibility for your Iqama type in the app before relying on it for salary. There are no branches, and support is provided through the app and phone. Savings returns, fees and product features can change, so read the current terms in the app.
❓ Frequently Asked Questions
Does D360 Bank work with a foreign bank card in Saudi Arabia? Not reliably — a foreign card may be declined. Check the notice above, or plan to use a local payment method.
Is D360 Bank available in English? Yes, D360 Bank has an English-language interface.
Do I need a local phone number to use D360 Bank? Yes, D360 Bank requires a local phone number to register.
Do I need local ID or residency for D360 Bank? Yes, D360 Bank requires local ID or residency status.