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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.

Updated on: 13/08/2026

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