For people and small businesses in the Gulf

Your finances, finally in focus

Accounts, spending, budgets, bills and goals in one clear view, in Arabic or English, so you always know where your money stands.

Join the waitlist Explore the platform

A woman on a leather sofa checking her phone with a coffee in hand

Salary received: AED 21,500Just now
Eating out at 85% of budgetToday
Rent due on the 1stIn 3 days

Monthly salary+AED 21,500
RentDue on the 1
GroceriesAED 390 left
Emergency fund62%
Supermarket-AED 386
Phone planDue on the 6
Eating outAED 180 over
Summer trip61%
Metro card top-up-AED 100
Gym membershipDue on the 12
Café-AED 48
Electricity and water-AED 640
Pharmacy-AED 132
Streaming-AED 59

Invoice #204 paid+AED 38,400
Office rentDue on the 1
SoftwareAED 150 left
Three-month reserve57%
Team salaries-AED 46,000
Team salariesDue on the 25
MarketingAED 1,800 left
New equipment40%
Print shop-AED 2,740
Design softwareDue on the 9
Invoice #203 paid+AED 27,900
Business insurance-AED 3,900
Client visit flights-AED 1,860
Cloud hosting-AED 2,150

Solutions

One app for the way your money moves

See every feature

Know where your salary goes, keep to a budget and save toward what matters.

Try it with your own numbers

Pick a situation, change the figures and see your month the way Summa would show it.

Left over each monthAED 5,00023% of money in

Rent and fixed costsAED 7,900
BillsAED 1,400
EverydayAED 7,200
Left overAED 5,000

Summa dashboard

Understand your money, not just your statements

Switch between a personal and a business account and open each view.

Every balance, bill and goal on one screen.

Why Summa

One view instead of five places

What it takes to keep track of your money with the usual tools, and with Summa.

	Summa	Spreadsheets	Separate bank apps
Every account in one balance	Included	By hand	Not available
Spending sorted into categories	Included	By hand	Varies by bank
Budgets that update as you spend	Included	By hand	Varies by bank
Bills and subscriptions in one calendar	Included	By hand	Not available
Personal and business side by side	Included	By hand	Not available
Arabic and English throughout	Included	Not available	Varies by bank

A general comparison. What a bank app offers depends on the bank.

Who it's for

Built for the way you earn and spend

Young professionals
Know where your salary goes each month, keep to a budget and plan for what is coming up.
- Budgets
- Recurring bills
Freelancers
Steady your irregular income, keep work and personal money apart and build a buffer for quiet months.
- Cash flow
- Goals
Small business owners
See cash flow, costs and commitments in one place, and share clear summaries with your accountant.
- Cash flow
- Reports and insights
Households
Organise shared bills, school fees and savings goals, and see how spending changes over time.
- Recurring bills
- Goals

Security and privacy

Built to be trusted with your numbers

Sharing financial information is a big step. We only describe protections that are in place and verified, and you stay in control of what Summa can see.

Learn about security

We organise, we don’t hold
Summa shows and sorts your financial information. It is not a bank and never holds or moves your money.
Your data is yours
Export it or delete your account and its data whenever you choose. No selling it to anyone.
Arabic and English
The whole product, from categories to reports, works in both languages, right to left included.
Facts before claims
Security certifications and customer numbers appear here only once they are verified. The supported banks are listed on the Product page.

Verification status

Verified security and certifications: Verified
Supported banks: VerifiedFABADCBADIBEmirates NBDDIBMashreqHSBC UAE
Encryption of data in transit and at rest: Verified

Each one is checked and in place.

Questions? We have answers

Straight answers about the product, plans and your data, in Arabic or English.

What is Summa?

Summa is a financial management app for individuals and small businesses. It brings your balances, spending, budgets, bills and goals into one view and turns them into clear reports.

Can I connect my bank account?

Yes, if you bank with one of the seven supported UAE banks: First Abu Dhabi Bank, Abu Dhabi Commercial Bank, Abu Dhabi Islamic Bank, Emirates NBD, Dubai Islamic Bank, Mashreq or HSBC UAE. Summa reads balances and transactions only after you give permission, and you can remove it at any time. Accounts at other banks can be added manually.

Can I track expenses manually?

Yes. You can add balances and transactions by hand on every plan, for cash, unsupported accounts or anything you prefer not to connect.

Does Summa give financial or investment advice?

No. Summa shows and organises your information, and articles on this site are general education. For advice on your own situation, speak to a licensed professional.

How is my financial data protected?

We collect only what the product needs, never sell it and let you control connections. Your data is encrypted in transit and at rest, and bank connections are made only with your permission. Further details, such as where data is stored and any certifications, appear on the Security page once verified.

Can I use Summa in Arabic?

Yes. The website and the app work fully in Arabic and English, including right-to-left layouts, and you can switch at any time.