Updated October 13, 2026 · VaultCue Editorial Team
Alinma vs Scotiabank Uruguay Cuenta Digital
Alinma
Scotiabank Uruguay Cuenta Digital
Higher score in this comparison
Alinma vs Scotiabank Uruguay Cuenta Digital: the differences
| Compare | AlinmaReviewSee alternativesSee alternatives | Scotiabank Uruguay Cuenta DigitalReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | SAR 0 | UYU 0 |
| Transfer fee | SAR 57.50 online, SAR 86.25 from branch (Transfer to a Bank Outside KSA, incl. VAT) | 2 cost-free transfers per month up to USD 10.000 or UYU 300.000, then UYU 10 per transfer (Scotiabank to Scotiabank unlimited and free) |
| Currencies | Not confirmed | 2 |
| Free ATM withdrawals | Not confirmed | UYU 5 |
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Key differences
- Founded is lower at Alinma: 2006 vs 2011.
- Support channels: only Scotiabank Uruguay Cuenta Digital offers Help centre.
Our verdict on each
Alinma
Alinma offers easy-access provision for everyday balances with use shaped by package terms. It suits customers who want current money to remain reachable through a defined structure and who accept reviewing those terms carefully before choosing an account for daily needs.
Scotiabank Uruguay Cuenta Digital
Scotiabank Uruguay Cuenta Digital suits anyone in Uruguay who wants a savings account run entirely from the app and pays nothing to keep it open. The catch is reach: it holds 2 currencies and needs a minimum deposit of UYU 5,000 to open, so it is a local tool rather than a global one.
Score breakdown
| Area | Alinma | Scotiabank Uruguay Cuenta Digital |
|---|---|---|
| Offer | 8.5 | 8.8HigherNo monthly charge of UYU 0, but only 2 currencies and a minimum opening deposit of UYU 5,000 |
| Trust | 8.8Higher | 8.6 |
How they place
| Ranking | Alinma | Scotiabank Uruguay Cuenta Digital |
|---|---|---|
| Savings accounts | 661 of 1420 | 536 of 1420 |
Every fact side by side
| Fact | Alinma | Scotiabank Uruguay Cuenta Digital |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Features | Not confirmed | Free ATM, Digital only |
| Legal entity | Alinma Bank | Scotiabank Uruguay S.A. |
| Headquarters | Saudi Arabia | Uruguay |
| Founded | 2006Lower | 2011 |
| Support channels | Phone, Email | Phone, Help centre, EmailCovers more |
Savings
| Fact | Alinma | Scotiabank Uruguay Cuenta Digital |
|---|---|---|
| Headline rate | 1.5% to 2.7% | Not confirmed |
| Rate type | Variable | Variable |
| Minimum deposit | SAR 1 | UYU 5,000 |
| Access terms | Withdraw any time during the investment period, subject to package terms | Bimonetary savings account in pesos and USD, managed 100% through digital channels, on-demand deposits and withdrawals; 5 free Banred ATM withdrawals and 2 free transfers (up to USD 10,000 or $300,000) per month |
| Account kind | Easy access | Easy access |
Money transfer
| Fact | Alinma | Scotiabank Uruguay Cuenta Digital |
|---|---|---|
| Delivery time | Instant with alinma Express | Not confirmed |
| Payout methods | Bank, Cash pickup | Not confirmed |
| Fee to send 1,000 | SAR 57.50 to SAR 86.25 | Not confirmed |
Where each stands against the rest
| Fact | Alinma | Scotiabank Uruguay Cuenta Digital | Median |
|---|---|---|---|
| Currencies | Not confirmed | 2lowest quarter | 5 |
Median across 536 listed accounts.
Pros and cons
Alinma
Pros
- Keeps everyday balances within easy-access provision shaped by package terms
- Connects everyday money movement with Alinma Express handling
- Organises current balances around clear customer access for daily needs
Scotiabank Uruguay Cuenta Digital
Pros
- No monthly maintenance charge on the account
- Runs entirely through digital channels, with deposits and withdrawals on demand
- Free ATM withdrawals up to an allowance of UYU 5 a month
Cons
- Only 2 currencies are held, so travel money beyond pesos and USD means another provider
- Transfers outside the free monthly allowance are charged per transfer, and only Scotiabank to Scotiabank transfers stay free
- A minimum deposit of UYU 5,000 is needed to open the account
Who each suits
Alinma
Who it suits
- Customers seeking reachable everyday balances
- Customers preferring package defined account use
Scotiabank Uruguay Cuenta Digital
Who it suits
- Uruguay residents paid in pesos who also earn or hold dollars
- People who bank by phone and do not want branch visits
- Savings customers content with a variable rate that moves with the bank
Who should look elsewhere
- Travellers holding more than 2 currencies, where Skrill or PayPal Colombia cover more currencies
- Anyone unwilling to meet the minimum deposit of UYU 5,000
- Users who want a fixed-rate term, since the rate is variable
Country by country
| Country | Alinma | Scotiabank Uruguay Cuenta Digital |
|---|---|---|
| Saudi Arabia | Yes | No |
| Uruguay | No | Yes |
Questions about each
Alinma
What type of accounts does Alinma cover?+
Alinma covers everyday balances through easy-access provision. Package terms shape how customers use the account. Customers who value reachable money for daily needs may find this structure aligns with their expectations.
Who is Alinma suitable for?+
Alinma suits customers who want everyday money to stay reachable. The package defined structure helps those who prefer clear terms around access. Customers should weigh daily needs against how this type of account organises balances.
Scotiabank Uruguay Cuenta Digital
Does the Cuenta Digital charge a monthly fee?+
No. The monthly fee is UYU 0, so the account costs nothing to keep open. Costs come from spending beyond the free allowances, mostly transfers and extra ATM withdrawals. Scotiabank to Scotiabank transfers stay free.
What can I hold in the account?+
The account is bimonetary, holding pesos and US dollars, which is 2 currencies in total. Anything beyond those two means a separate provider. Providers such as Skrill hold many more currencies for the same kind of task.
Other options to compare
Other matchups
Related by the facts
Alinma
Scotiabank Uruguay Cuenta Digital