O que é o Zand em 2026
Primeiro banco completo independente totalmente digital dos EAU, licenciado pelo CBUAE (2022). Banco digital combinado de retalho + empresarial. Sustentado pela família Al-Hail Holding e por acionistas estratégicos dos EAU.
Segurança e regulação
Licença direta de banco completo do CBUAE; cobertura do AE DPS até AED 250 000 por depositante. Sem cadeia de banco-parceiro.
A quem se destina o Zand
Opte pelo Zand se: pretende um banco dos EAU totalmente digital e autorizado com acesso a banca empresarial. Opte pelo Wio se a vertente de retalho for suficiente.
How it stacks up.
Wio 77
CBUAE
UAE-native digital full-bank, CBUAE-licensed since 2022. Backed by ADQ + Alpha Dhabi + Mubadala + e&. Instant onboarding via Emirates ID and a multi-currency core (AED + USD + EUR + GBP) make it the strongest local-licensed competitor to Liv. and Mashreq Neo. AE DPS cover under the new UAE Deposit Protection Scheme.
stc Bank 76
SAMA
First SAMA-licensed digital full bank in Saudi Arabia (received bank licence 2023, originally launched as stc pay in 2017). Backed by Saudi Telecom (stc) — telecom-grade reach across the Kingdom. Multi-currency support and instant onboarding via Absher distinguish it from legacy KSA banks. SAMA Deposit Protection Fund cover.
Meem 74
SAMA
Digital banking arm of Gulf International Bank — one of the first KSA digital-only banking offerings (launched 2014). Sharia-compliant by structure (profit-share rather than interest). SA Deposit Protection cover via the GIB licence. Distinguishes itself vs. stc Bank by depth of wealth-management access through the GIB private-banking heritage.