> ## Knowledge Base Index
> Fetch the complete knowledge base index at: https://help.nqoodlet.com/sitemap.xml
> Use this file to discover available pages before exploring further.
> Pure-Markdown content can be obtained by appending a '.md' suffix to the content URLs listed in the sitemap (without the trailing slash).

# Infinios vs. Local Bank: What’s the Difference?

Nqoodlet offers two banking infrastructure options: Infinios and our Local Bank. Each option provides different card and banking capabilities depending on your business needs.

| Feature | Infinios | Local Bank |
| ---- |
| Virtual Cards | Prepaid Mastercard | Zero Credit Mastercard |
| Physical Cards | Prepaid Mastercard | Zero Credit Mada/Mastercard & Corporate World Mastercard |
| Mada Cards | ❌ | ✅ |
| Apple Pay | ❌ | Coming soon |
| Samsung Pay | ❌ | Coming soon |
| FX Fees | 2.5% | 2% |
| Multi-Currency Cards/Wallets | ✅ | ❌ |
| Physical Card Delivery | Charged | Free |
| Employees Outside KSA | ✅ | ❌ |
| Fund Deposits | Up to 2 business hours | Instant |
| Dedicated Bank Account | ❌ | ✅ |
| Local Payments | ❌ | ✅ |
| International Payments | ❌ | ✅ |
| SADAD Bill Payments | ❌ | Coming soon |
| Savings Account | ❌ | Coming soon |
| Payroll Services | ❌ | Coming soon |


# Which option is right for you?

### Local Bank

* Best for businesses primarily operating in **Saudi Arabia**.
* Provides a more complete **local banking experience**.
* Ideal if you need **dedicated banking, faster funding, and local payment capabilities**.

### Infinios

* Best for businesses with **international requirements**.
* Ideal if you need **multi-currency cards or wallets**.
* Suitable if you need to issue cards to **employees outside Saudi Arabia**.

|| Note: Some Local Bank features are currently under development and will be available soon.