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Pay, send, ask, and understand your money across every bank — from one intelligent app.
Join 1,000+ others on the waitlist
Connects all your bank accounts, with smart funding, flexible rules, and rewards that follow how you spend.
The moment you tap, Morona funds the payment from the best account across all your banks — no thinking required.
Your spending, your rewards. Choose your preferred rewards programme, or let Morona intelligently select the best reward for each purchase, based on where you spend.
Not enough money in one account? No problem. Morona combines money from your linked bank accounts to complete your payment automatically.
Choose which bank account pays for shopping, bills, or everyday spending. Or let Morona automatically pick the best account for every purchase.
Ask Vision the way you'd ask a friend — "can I afford this?", "where did my salary go?" It already knows your accounts, bills, and habits, so the answer is yours, not generic.
Not generic tips. Vision reads your real spending, income, and commitments — then tells you what to do, like which account to pay a bill from or where you've got room to save.
Know what's coming before it hits. Vision spots upcoming bills, renewals, and tight days before payday — so you can plan ahead, not catch up.
Vision predicts, suggests, and can set rules — but it never moves your money on its own. Every rule is yours to approve.
Morona connects your spending, income, bills, subscriptions, and merchants across every bank — then shows what changed, what repeats, and where your money really went.
A salary deposit, a rising restaurant habit, a recurring subscription, a new merchant — Morona turns everyday money movement into a clear picture you can actually read.
Find anything in plain words.
Paid with ANB Card ending 5650
For bills that vary, Morona keeps every payment within your rules: capped, visible, and approved before the money leaves. Each bill is paid from the right account, not simply the default.
Morona lets you send rent, family support, and other regular payments from any account you choose, or automatically from the one that makes the most sense at the time.
“I had SAR 500 in ANB and SAR 1,000 in SNB. Morona Card combined both balances to cover my SAR 1,500 payment instantly.”
Abdullah
“I used to open three bank apps just to move my own money. Now I transfer between all my accounts from one place.”
Ahlam
“I was paying for Netflix twice from two di[erent accounts. Morona found both subscriptions and showed me what to cancel.”
Elisa
“My debit card earned nothing. Now I choose AlFursan, Bonvoy, or Qitaf, and spend my existing points like cash.”
Khalifa
“My STC bill was due before payday. Morona spotted the SAR 1,400 gap early and helped me plan around it.”
Sara
Morona is a financial intelligence platform that brings all your bank accounts, cards, payments, and transfers together in one smarter app. It does not replace your banks. It makes them work smarter together.
Morona connects your bank accounts, understands your financial activity, and helps you make smarter decisions. From choosing the right account for payments to spotting spending patterns and planning ahead, Morona makes your money work smarter.
No. Morona is a financial intelligence platform that connects to your existing banks. Your money stays in your bank accounts, while Morona brings everything together in one intelligent app. Morona doesn't take deposits or lend money.
A normal bank card uses one account. Morona Card connects multiple bank accounts, automatically chooses the best account for each payment, and can combine balances when one account isn't enough. One card, all your money.
Almost anything about your money. Ask where your salary went, how much you can spend this month, whether you can afford a purchase, or how to reach your savings goals. Morona Vision understands your finances and gives you personalized answers in plain language. It never moves money without your approval, and it doesn't give investment advice or make credit decisions.
Morona Insights brings your financial activity across all your banks into one clear picture. It tracks spending, income, bills, and subscriptions, spots patterns and changes, and helps you understand where your money goes.
Morona Transfer lets you move money between your bank accounts, send money to others using their mobile numbers, and make international transfers — all from one app. No switching between banking apps.
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