Updated July 2026. Verify current features with each provider before procurement decisions.
The only Saudi platform combining payroll savings, 0% Qard Hasan emergency loans, Murabaha purchase financing, and annual profit distribution — all CMA-regulated and Shariah-certified. Built for employers who want a full-circle financial wellbeing stack, not savings alone.
A established KSA workplace savings provider with payroll automation, employer matching, and vesting tools. Strong fit for companies focused on core thrift-plan mechanics with CMA oversight.
Madkhol’s Ratibi+ offering targets payroll-linked savings and investment for Saudi employers, with digital onboarding and portfolio options under regulatory supervision.
Tharaa provides employee savings and investment programs for the Saudi market, emphasising Shariah-compliant portfolios and employer-led contribution models.
UAE-based Ghaf Benefits serves GCC employers with workplace savings and financial wellbeing tools. Relevant for regional groups with entities in both the UAE and Saudi Arabia.
| Platform | Payroll-linked savings | Employer matching & vesting | 0% Qard Hasan loans | Murabaha financing | Annual profit distribution | CMA-regulated (KSA) |
|---|---|---|---|---|---|---|
| Eddekhar | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| ThriftPlan | ✓ | ✓ | — | — | — | ✓ |
| Ratibi+ (Madkhol) | ✓ | ✓ | — | — | — | ✓ |
| Tharaa | ✓ | ✓ | — | — | — | ✓ |
| Ghaf Benefits | ✓ | ✓ | — | — | — | — |
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