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Money that understands you.

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Open your Mal account with your national ID or passport and your phone, you’ll be ready to get started in just 30 seconds.

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Converting 1,000.00 USD to 278,500.00 PKR

Transfers this month, shown as a bar chart

Global account

No SWIFT.
No waiting.

Most “fast” transfer apps still rely on SWIFT and correspondent banks.

Mal holds accounts on both ends, so no third party slows your money down.

That’s the difference between a fast app and a fast financial institution.

Move money globally, faster, simpler, and on your terms.

Instant settlement — send and receive money with settlement completed in as little as three minutes.

Move your money — move money between your own currency accounts instantly with live rates. Send in 40+ currencies: pounds, euros, rupees and many more.

Convert on your terms

Hold your balance in US dollars for as long as you choose.

PKR 277.84May 12

Apr 22Apr 29May 6May 14May 22

Built on Islamic values

Enjoy clear, transparent pricing with no hidden fees.

Open-market rates

Access competitive exchange rates designed to help you more.

Business

4-minute onboarding. 5-second pre-indicative credit answer.

Join the waitlist for Mal Business

business.mal.ai

Mal starts with your business.

Get a pre-indicative credit answer in five seconds, subject to eligibility, then manage payments, payroll, and cash flow from one dashboard.

Onboard your business in as little as 4 minutes

All-in-one dashboard for your business

Get pre-indicative business credit in 5 sec

AI Suite

Get your spot on the waitlist

Join the waitlist, verify your account and then manage payments, payroll, and cash flow from one dashboard.

Join waitlist

~3 minutes completion time

Calculator

Know what fits. See what’s next.

What do you want to calculate?

Car price

dirhams

Down payment

37,168

Term

48 months

Monthly

2,323

Down payment · 25%

37,168

Term · 48 months

Sep 2030

This fits comfortably

You keep AED 4,221 a month after your bills and this car.

148,670

Car price

Car

Rear-Wheel Drive

Takaful: 163,784
Registration: 1,200

Transport replaced: −AED 2,200

AI chat

Here’s to never visiting your nearest branch again!

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Say it the way you would say it to a person. Mal reads the intent, confirms the detail that matters, and settles it — no forms, no screens, no waiting for business hours.

AI automation that knows you and your financials

Mal Calculator

Plan today. Feel ready for tomorrow.

Subscription • This month

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Talabat
· Streaming
dirhams 69/mo
Prime
· Streaming
dirhams 45/mo
Spotify
· Music
dirhams 20/mo

You withdrew

Syed Ali

Habib Bank · ••1021

-$100.00

PKR 2,78,500.001

USD → PKR conversion

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We build for access, not advantage. Our goal is to make intelligent tools that open doors, helping people move, grow

Money out • This month

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USD Transfers
Send to US bank accounts. can take 1–3 business days and fees may apply
PKR Payouts
Linked PKR account • Minutes • Free
Mal Recipients
Mal users • Instant • Free