Zemmal unifies your accounts, budgets, installments, investments and AI insights into one private, bank-grade command center — on web and iPhone.
Stop juggling spreadsheets and banking apps. Zemmal brings it together and makes it make sense.
Net worth, accounts and cash flow in one live, always-current view.
Buckets and monthly plans that adapt to how you actually spend.
Track every plan and see your cash flow up to 90 days ahead.
An advisor that reads your live data and answers in plain language.
Holdings, gold wallet and portfolio — all valued in SAR.
Encryption, MFA, device attestation and Face ID on mobile.
From a single dashboard you know exactly where you stand — and what to do next.
Built security-first, so your financial life stays yours.
Encrypted in transit and at rest, with strict per-account data isolation.
Multi-factor sign-in, App Attest device verification, Face ID & PIN unlock.
No selling your data, ever. Export anytime — it's yours.
Zemmal is rolling out by invitation. Request access and we'll get you set up.