Madkhol Capital Expands Platform with Albilad Partnership and “Ratbi+” Launch

Editorial Team

Last updated 19-01-2026

3 min

Madkhol Capital announced new partnerships to widen “investment choices” and sharpen its digital offering.

A deal with Albilad Capital brings its funds onto Madkhol, marking Albilad’s first robo-advisory entry.

The push promises “more choice and better diversification” without juggling multiple investment apps.

Madkhol also partnered with Khibrah to roll out the workplace savings programme “Ratbi+”.

CEO Saad bin Atyan said 2026 will bring clearer, more accessible investment products.

Madkhol Capital has taken another step in its growth story, announcing a batch of new partnerships aimed at widening the investment choices available on its app and sharpening its offer for both individuals and companies. The headline move is a business agreement with Albilad Capital, which means Albilad’s investment funds will now sit inside the Madkhol platform. It’s also Albilad Capital’s first entry into a robo-advisory style environment, all neatly wrapped in one digital experience.

For users, the practical upside is straightforward: more choice and better diversification without jumping between platforms. And honestly, anyone who’s tried to manage investments across three different apps knows what a faff that can be. From an Arageek point of view, this kind of integration feels spot on for a region where digital investing is moving from “nice idea” to daily habit.

These announcements were made during the Madkhol Capital HR Leaders Session in Riyadh, a gathering that brought together senior HR figures and decision-makers from across different sectors. The company used the event to underline a broader ambition: blending personal investing tools with corporate-led financial programmes, and tying financial wellbeing more closely to the workplace. I’ve seen how much stress money worries cause founders and employees alike, so this angle, well… I mean, it makes sense.

Alongside Albilad, Madkhol Capital also revealed a strategic partnership with Experience, also known as Khibrah Company, which specialises in debt collection for financing entities. The goal here is to roll out and activate the “Ratbi+” corporate programme within Khibrah through a clear launch framework. This includes practical tools such as staff education, awareness sessions for HR teams, and ongoing support after launch, because adoption doesn’t magic itself into existence.

“Ratbi+” is designed to let employees save and invest in a structured way directly through the Madkhol platform, using a simple mechanism embedded in their workplace. The idea is to boost financial literacy and encourage long-term job stability, which, on the flip side, also benefits employers. I reckon programmes like this work best when they’re boringly clear rather than flashy, and Madkhol seems to be leaning into that.

Commenting on the developments, Saad bin Atyan, co-founder and CEO of Madkhol Capital, said that 2026 would mark a new phase for the app, with the introduction of new investment products aimed at making investing clearer and more accessible. Believe it or not, clarity is still the rarest feature in fintech. Whether this fresh mix of robo-advisory access, corporate programmes and partnerships will tip the balance remains to be seen, but it’s definately a move worth watching in Saudi Arabia’s increasingly crowded digital investment space.

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