Zand vs Meem.
Zand (Z77/100) and Meem (M74/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Zand leads Meem 4-0.
| M Meem №23 · SAMA 74 /100 | Z Zand №14 · CBUAE 77 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 74 /100 | 77 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 2.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank SAMA | Full bank CBUAE |
| Deposit guarantee Per depositor | €200,000 SA.SAMA-DPS | €250,000 AE.DPS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.1 ★ iOS 4.2 · And 4.0 | 4.2 ★ iOS 4.3 · And 4.0 |
| Read review → | Read review → | |
Pick Meem if…
Digital banking arm of Gulf International Bank — one of the first KSA digital-only banking offerings (launched 2014). Sharia-compliant by structure (profit-share rather than interest). SA Deposit Protection cover via the GIB licence. Distinguishes itself vs. stc Bank by depth of wealth-management access through the GIB private-banking heritage.
Pick Zand if…
UAE's first fully-digital full bank — CBUAE-licensed since 2021. Holds its own banking licence (not a partner-bank). Both retail and corporate banking offered. Adds full-bank diversity to the UAE set alongside Wio.
- Best for fees Zand won 1 of 4
- Best for protection Zand won 1 of 2
- Best for reach Tied
- Best for ux Zand won 1 of 2
Zand vs Meem — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Meem better than Zand?
Under our v3 methodology, Zand leads Meem 4–0 across 12 dimensions. Composite scores: Meem 74/100 vs Zand 77/100. Zand is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Meem or Zand cheaper?
Monthly fee — Meem: €0; Zand: €0. Card FX markup — Meem: 2.00%; Zand: Interbank. Zand wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Meem or Zand?
Meem holds a Full bank licence under SAMA; deposit guarantee per depositor: €200,000. Zand holds a Full bank licence under CBUAE; deposit guarantee per depositor: €250,000. Zand is the stronger pick on regulatory protection.
Where can I use Meem and Zand?
Meem operates in 1 country; Zand operates in 1 country. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.