Banks generally discriminate unemployed individuals, basically the "Unemployed" option in the employment detail section is there for decoration, so it wouldn't look too obvious that they actually discriminate on first glance. When they reject your application, they can just say you don't fulfill their "internal policy".

But Al Rajhi is worse, just like some other foreign banks, they tend to discriminate self employed individuals too, so if you're something like a gig worker you'll definitely be rejected because they don't understand what is "gig".

There's no need for banks to make a new app just to offer "digital bank" service, those banks who did that are all unreliable and if there's something wrong with your account you're screwed because everything can only be done via the app, some can't even provide debit cards which is worse, I would say they're doomed to fail because of the small userbase and they don't seem to be serious in improving too.

Banks nowadays (HSBC excluded) already provide seamless online account opening via their current app or website without visiting a branch, this method is the way to go because you can still visit the branch when things go wrong.

This post has been edited by xperiaDROID: Apr 20 2023, 04:48 PM