VERDICT · UPDATED 06:40 AST
Customer-service failures are dragging Tawuniya down to 2.36 — escalation signals are rising.
↓0.3vs last month
3new critical complaints this week
#3/4ranked insurers
Moment · this week
0
3 new critical complaints landed this week — support silence is now driving 41% of all complaint volume.
Trust score
2.36/5
n=8,890Governed reviews this score is built on — last 30 days, bots and duplicates removed. · last 30 days
HD8,890 reviews · high confidence
live · refreshed just now
Five pillars 30D
Customer service is your rank cap — it's the lowest pillar by a wide margin.
Trust trend · 6 months
Steady decline since the March premium change.
TawuniyaTameeni
The number behind the number
What the store rating shows vs. what customers actually say when they write.
4.4★
app store rating
→
2.36
written trust score
VERIFIEDn=8,890 written reviews
Business & offers · Tawuniya
Live listed pricing. Category-benchmark comparison — pending Ale's percentile calc.
Life insurance — Individual
SAR 890/yr
giraffy_offers
Family Health — “Silver”
SAR 2,340/yr
giraffy_offers
Recent reviews · Tawuniya
Pulled live from the governed corpus, one at a time.
Competitive · Insurance peer board
Ranked where the data can carry it — all 4 named insurers qualify.
| # | Insurer | Trust | 30D | Reviews (30D) |
|---|---|---|---|---|
| 1 | Tameeni | 3.90 | +0.1 | 6,120 |
| 2 | Walaa | 3.24 | +0.05 | 2,410 |
| 3 | Tawuniya — you | 2.36 | −0.3 | 8,890 |
| 4 | Malath | 2.81 | −0.1 | 1,860 |
| 1 more insurer held — from the rivals you picked at onboardingRequest full board access | ||||
News & regulatory · Tawuniya
Live from the governed news and SAMA feeds.
Top pains · ranked complaint drivers
Root-caused from 8,890 reviews, each linked to cited reports.
The move
Fix support access — it's your #1 driver and the gap to Tameeni.
VERDICT · UPDATED 06:40 AST
Drahim sits at ~2.7 while the category runs 4.0+ — fees and stuck-money are the theme this month.
↓0.1directional, vs last month
+0.05category median, vs last month
18%of category calling out withdrawal delays
Moment · this month
0
Category median crossed 4.0 for the first time — Drahim sits roughly 1.3 points back, on a widening gap.
Trust band
~2.7/5
n=1,489A band, not a point — the sample supports a directional read but not decision-grade precision. · last 30 days
category median 4.0
you: 20th–35th pct
0th pct50th100th
DIRECTIONAL1,489 reviews · band, not a point
Trust trend · you vs category · 6 months
Category has climbed steadily; you've drifted down since fee changes in June.
Drahimcategory median
Competitive · the main event
You beside the data-rich peers who define the field.
| # | Wallet | Trust | 30D | Reviews (30D) |
|---|---|---|---|---|
| 1 | Tabby | 4.3 | +0.05 | 5,210 |
| 2 | Barq | 4.1 | −0.05 | 4,780 |
| 3 | STC Pay | 3.9 | +0.02 | 6,930 |
| — | Drahim — you | ~2.7 (band) | −0.1 | 1,489 |
| 4 | Urpay | 3.8 | +0.03 | 2,340 |
| 2 more wallets held — from the rivals you picked at onboardingRequest full board access | ||||
Your pains · Drahim
Category pains · digital wallets
Regulatory heat · SAMA-escalation signal
Share of reviews that reference or threaten a SAMA complaint — a governed signal, not sentiment.
The move
Close the withdrawal-flow gap — the one thing separating you from the 4.0 field.
VERDICT · UPDATED 06:40 AST
62 reviews in on Rifd Pay so far — the payments category is seeing a rise in KYC-verification complaints this month.
+18%category KYC complaints, this month
−0.2Barq, category mover this month
62Rifd Pay reviews so far
Moment · this week
0
Rifd Pay crossed 62 reviews this week — 38 more to a decision-grade score, at the current pace.
Coverage — building your file
62/100
reviews needed for a decision-grade score
~4 new reviews/dayready in ≈9 days
CATEGORY SIGNALbuilding your file · market-level read
Category trend · digital wallets · 6 months
The category is rising; Rifd Pay's early reviews skew positive on onboarding speed.
category median
Competitive · full rival board
Drawn from the rich market — always available, even when your own file is thin.
| # | Wallet | Trust | 30D | Reviews (30D) |
|---|---|---|---|---|
| 1 | Tabby | 4.3 | +0.05 | 5,210 |
| 2 | Barq | 4.1 | −0.2 | 4,780 |
| 3 | STC Pay | 3.9 | +0.02 | 6,930 |
| 4 | Drahim | ~2.7 (band) | −0.1 | 1,489 |
| — | Rifd Pay — you | building | — | 62 |
| 2 more wallets held — from the rivals you picked at onboardingRequest full board access | ||||
Hidden leaders · nobody names them
Small entities outscoring the household names — real, high-confidence, low visibility.
4.91
Bonat
n=683
4.50
SAHL
n=5,121
4.37
Sanad Finance
n=569
4.28
Tree Insurance
n=298
Pain radar · category-wide drivers
The battlefield map — ranked from category reviews, not yet from your own file.
The move · attack angle
Customers are leaving Barq over KYC friction — lead your onboarding messaging with verification speed.
VERDICT · UPDATED 06:40 AST
Across Saudi fintech & insurance: bug is the #1 complaint market-wide, and it's rising.
13.9%of 502,646 tagged reviews cite bugs
+60%security complaints, quarter over quarter
333Saudi fintech apps tracked
Moment · market-wide
0
Mada Pay, a payment rail nearly every Saudi uses, sits at 58% one-star in written reviews — the widest vanity-vs-truth gap we track.
Top complaints · the whole market
Ranked from 502,646 complaint-tagged reviews, corpus-wide.
Competitor bleeding points
Highest one-star share, verified written reviews.
Big moves this week
The live and structural shifts worth knowing about right now.
Random reviews · what people are actually saying
Pulled at random from the governed corpus, one at a time.
WATCHLIST · UPDATED 06:40 AST
Tawuniya vs. 3 rivals you're tracking — Tameeni is pulling ahead by 1.54.
Your watchlist · one board
Every entity you follow, compared against your own score, in one place.
| # | Entity | Role | Trust | vs you | 30D | |
|---|---|---|---|---|---|---|
| — | Tawuniya — you | Insurance · Mirror/HD | 2.36 | — | −0.3 | |
| 1 | Tameeni | Insurance · rival you follow | 3.90 | +1.54 | +0.1 | |
| 2 | Walaa | Insurance · rival you follow | 3.24 | +0.88 | +0.05 | |
| 3 | Barq | Wallets · rival you follow | 4.1 | +1.74 | −0.05 |
Drahim
Wallets · your entity · Arena/Directional
~2.7
↓0.1 vs last month
Category median crossed 4.0 — your gap is widening.
Rifd Pay
Wallets · your entity · Radar/Category signal
62/100
+18 reviews this week
Coverage building — ready in ≈9 days at current pace.