Maalchat review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Maalchat is a digital wallet for people in Palestine who want transfers that clear in seconds, with the Palestine Monetary Authority as regulator. The catch is cost: a monthly fee of ILS 1 and 1 currency make it a thin proposition against rivals that charge free.
Key facts
- Best for
- Instant wallet transfers with a cash payout option in Palestine.
- Monthly fee
- ₪1↗
- Currencies
- 1↗
- Transfer fee
- FAQ fee table: 2% per wallet-to-wallet transfer for the individual wallet; terms appendix (2021-06-28) lists transfer between wallets as free (cash-out at agents 1%, min 1 shekel max 5 shekels)↗
- Legal entity
- Maalchat Electronic Payment Services Co. (Private Limited)↗
- Headquarters
- Palestine↗
- Support channels
- Email, Phone, Help-centre, Chat↗
- Audience
- Business, Teens
- Features
- Digital-only
- Official website
- maalchat.ps
Money transfer
- Delivery time
- Instant, within seconds, service 24/7↗
- Payout methods
- Wallet, Cash-pickup↗
- Fee to send 1,000
- ₪20↗
Facts checked September 26, 2026, 3 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- Delivery is Instant, within seconds, service 24/7, so money arrives without waiting for opening hours.
- Payouts cover wallet and cash pickup, so a recipient can take cash as well as a wallet balance.
- Support runs on email, phone and help centre, giving phone and chat alongside email.
- Maalchat Electronic Payment Services Co. is regulated by the Palestine Monetary Authority in Palestine.
Cons
- A monthly fee of ILS 1 applies, where PayPal Colombia, Plazo ES and Skrill each charge free.
- Currency cover is 1 currency, and Maalchat ranks 338 of 379 brands on that measure.
- The fee documents disagree: the table charges a percentage on wallet to wallet transfers for the individual wallet, while the terms appendix calls those transfers free.
Who it suits
- People in PS who need a transfer to land in seconds rather than in days.
- Business users and younger account holders, the two groups named in business and teen.
- People who want a wallet balance and a cash option from one service, since payouts cover wallet and cash pickup.
Who should look elsewhere
- Anyone after a fee free monthly account: PayPal Colombia, Plazo ES and Skrill all charge free, where Maalchat charges ILS 1.
- Holders who want a euro account rather than paying ILS 1 for a wallet covering a single currency will find Plazo ES easier on both counts.
How Maalchat compares
8.7 vs 8.7
8.7 vs 8.6
8.7 vs 8.0
8.7 vs 8.9
8.7 vs 9.1
8.7 vs 9.2
8.7 vs 8.7
8.7 vs 8.7
8.7 vs 8.7
8.7 vs 9.0A free monthly fee, which takes Maalchat's ILS 1 a month off the running cost.
8.7 vs 8.7
8.7 vs 9.5
8.7 vs 9.4
8.7 vs 9.3
8.7 vs 9.2
8.7 vs 9.2
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8.7 vs 9.1
8.7 vs 9.0
8.7 vs 9.0
8.7 vs 8.9
8.7 vs 8.9- 8.7 vs 8.9
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8.7 vs 8.1- 8.7 vs 8.1
8.7 vs 8.0
8.7 vs 8.0
8.7 vs 8.0
8.7 vs 9.1
Where Maalchat is available
- Available
- Palestine
- Licence in Palestine
- Palestine Monetary Authority, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Maalchat cost to hold each month?+
The monthly fee is ILS 1. That is a standing charge on the wallet, and it sits above the free monthly fees listed for PayPal Colombia, Plazo ES and Skrill, which makes Maalchat the costlier of the group on price alone before any transfer charges are counted.
What do transfers cost?+
The published fee table charges a percentage on wallet to wallet transfers for the individual wallet, while the appendix in the terms lists transfers between wallets as free and takes a percentage for cash out at agents. The same table also lists a fixed charge of ILS 20, and the documents do not agree on which applies.
How quickly does money arrive?+
Delivery is Instant, within seconds, service 24/7. That timing is why the wallet appeals to anyone sending money inside PS who needs the balance to land straight away, and it separates Maalchat from an account that only moves money during banking hours.
Who regulates Maalchat?+
The wallet is run by Maalchat Electronic Payment Services Co., and the Palestine Monetary Authority is the regulator named for PS. Questions about how balances are held can go to the support team, which covers email, phone and help centre.
How many currencies can I hold?+
Maalchat supports 1 currency, which is a clear limit on the offer for anyone who earns or spends in more than one place. On this site it sits 338 of 379 brands on currency count, so expect the wallet to be a local instrument rather than a travel account.
Can I get money out as cash?+
Payouts run to wallet and cash pickup. Wallet transfers keep the money inside the app network, while cash pickup suits a recipient who would rather collect money in person from an agent. Both routes sit under the same service, and the fee table treats them differently.
How do I get help?+
Contact options cover email, phone and help centre, so help is not limited to one channel. Phone and chat suit quick questions about a transfer that has not landed, while email suits a written record and the help centre covers routine questions. A digital only service leans on that range of support.
Who is the wallet aimed at?+
The stated audience covers business and teen, which points to a wallet used for everyday payments and for younger account holders. The monthly fee of ILS 1 and the single currency make it a payments tool rather than a savings choice.
Sources
- maalchat.ps checked September 26, 2026
Backs: Audience, Features
“Open wallets for those under 16 years old (11 years and above); Maalchat wallet gives you, as a merchant or business owner, a safe and instant way to receive payments”
- maalchat.ps/faq checked September 26, 2026
Backs: Delivery time, Monthly fee, Transfer fee, Fee to send 1,000
“All financial transactions made through the Maalchat wallet are fast and instant, and the success message reaches the user within seconds”
- maalchat.ps/main/about-the-app checked September 26, 2026
Backs: Payout methods
“You can deposit or withdraw your money to/from your wallet through Maalchat agents ... transferring the amount to be withdrawn from your wallet to the agent's wallet and receiving it in cash”
- maalchat.ps/terms-and-conditions checked September 26, 2026
Backs: Currencies, Headquarters, Legal entity, Support channels, Licences
“the currency of the wallet is the Israeli shekel”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection, Currency conversion fee.