Tabby
Gulf buy now, pay later app that splits purchases into four interest-free payments or longer plans.
Updated · AppBreakup editorial · Web, iOS, Android
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- 5 of 5
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About Tabby
Tabby is the biggest name in buy now, pay later across the Gulf, used mainly in the UAE and Saudi Arabia. At checkout in partner stores, or through payment links and QR codes in physical shops, shoppers can split a purchase into four payments with no interest or fees, or spread larger purchases over up to twelve monthly payments, where a service fee may apply. Tabby makes most of its money from the merchant fee each time it is used. Over time it has grown into a broader money app: the Tabby Card works anywhere Visa is accepted with up to 40 days to pay, a Cash Card and account pay cashback and send money abroad, and the app lists store deals and price-drop alerts. Signing up is free and needs a national ID, a linked debit or credit card and a good credit history. It runs on iOS and Android, with checkout on partner websites.
Best for: Shoppers in the UAE and Saudi Arabia who want to split online or in-store purchases without interest.
Tabby pricing (checked Nov 8, 2026)
Each line is quoted from Tabby's own site, with the page it came from.
| Plan or term | What it says | Checked | Source |
|---|---|---|---|
| Fees on longer plans | Service fee may apply above 4 payments | Nov 8, 2026 | tabby.ai |
Pros and cons
What works
- Pay in 4 has no interest or fees
- Accepted at tens of thousands of stores online and in person
- Tabby Card extends pay-later to any shop that takes Visa
- Regulated by the UAE Central Bank
Why people leave
- Only available to residents of a few Gulf countries
- Plans longer than four payments can carry a service fee
- Spending limits are set automatically and support can't override a decline
Tabby vs Tamara and Klarna
From each app's listing and the prices verified on its own site. A dash means we haven't verified it yet.
Top Tabby alternatives
See all 2Why people left Tabby
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Tabby: common questions
What is Tabby?
Tabby: Gulf buy now, pay later app that splits purchases into four interest-free payments or longer plans. Best for shoppers in the UAE and Saudi Arabia who want to split online or in-store purchases without interest. Available for Web, iOS and Android.
Is Tabby free?
Yes, Tabby is free to use.
How much does Tabby cost?
Tabby is free to use. Fees on longer plans: Service fee may apply above 4 payments. Checked on Tabby's own site, November 2026.
Is Tabby open source?
No, Tabby is not open source.
What platforms does Tabby run on?
Tabby is available for Web, iOS and Android.
What are the best alternatives to Tabby?
The highest-ranked Tabby alternatives right now are Tamara and Klarna. See the full ranked list for pricing, platforms and verified facts.
Tabby vs Tamara: what's the difference?
Both Tabby and Tamara are free to use. Both run on Web, iOS and Android.