Zand alternatives
short answerThe closest alternatives to Zand are Phantom, Wio Bank and YAP. All are neobanks operating in MENA, comparable to Zand on custody, licence, cards, fees and FX — compared field by field below. No affiliate links.
The 8 closest alternatives
| neobank | type | hq | reported users | compare |
|---|---|---|---|---|
| Phantom | web3-native | San Francisco, US | 15M MAU (2025) | directory → |
| Wio Bank | traditional | Abu Dhabi, AE | — | directory → |
| YAP | traditional | Dubai, AE | — | directory → |
| Liv. | traditional | Dubai, AE | — | directory → |
| Sarwa | traditional | Dubai, AE | — | directory → |
| ila Bank | traditional | Manama, BH | — | directory → |
| Tweeq | traditional | Riyadh, SA | — | directory → |
| STC Bank | traditional | Riyadh, SA | — | directory → |
go deeperBack to the Zand profile, ask who owns Zand?, or filter your own shortlist in the directory.
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.