Smart business Xpence cards for smart businesses

Welcome to the region’s first smart business spend platform with integrated payment cards for freelancers, corporates, and everyone in between.

Smart business Xpence cards for smart businesses

Welcome to the region’s first smart business spend platform with integrated payment cards for freelancers, corporates, and everyone in between.
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Features your business will love!
Issue physical and virtual cards and track your team’s expenses.
Automated Bookkeeping
Your transactions are categorised in realtime.
No Expense Reports
Add receipts and notes to every transaction.
Rules & Controls
Set custom limits and controls on every card.
Real-time Approvals
Accept and approve spend requests in real-time.
Globally Accepted
Use your Xpence card anywhere around the world.
Stay in Control
Empowering businesses with the tools to launch and scale

Corporate Cards

Smart corporate cards for smart businesses

Issue globally accepted physical and virtual Xpence cards for you and your team.
Invite your team, stay in control
Set individual spending limits and enjoy a real-time overview of all spending.
Auto Bookkeeping
Save time with automated expenses
Instantly categorize each of your transactions and receive a detail-rich transaction history.
Virtual Cards
Start spending instantly
Manage your online spending with Xpence virtual cards
Get paid faster
Send professional invoices and accept payments online.
For businesses of all shapes and sizes
Whether you’re a freelancer or a multinational, we have a solution for you.
Keep your money safe
Learn more about our industry-leading security standards.
More than just payments
Receive exclusive benefits from our partners to help you launch and scale your business.
About us
Our story
Meet the team building Xpence.
Getting started is easy
Here’s how to set yourself up with an Xpence account.
What you need to know about Xpence?

Xpence is a financial technology company and not a bank. Xpence provides business owners with tools to control their business expenses.

Xpence is a spend and expenses management platform built for business owners to empower them and their employees to manage business expenses through an integrated prepaid visa card. Xpence eliminates hectic and manual expense reporting, reducing the reimbursement process, and simplifying business expenses.

Xpence currently operates in the United Arab Emirates and Bahrain.
Coming soon to Saudi Arabia, Egypt, Pakistan, Kuwait, Oman and Qatar.

Stay tuned for updates.

Opening an Xpence account is very simple. If you are a business owner in the UAE or Bahrain, all you need to do is download the Xpence App from Apple Store or Google Play Store. Once you download the Xpence App, you will be asked to create an account. Once you are logged in, you will need to complete your digital application and submit it for approval.

Xpence is a business product, whether you are a licenced freelancer, SME or corporate, you can use Xpence to manage your business expenses.

If you are a business owner in the UAE, we will require these documents:

  • Emirates ID
  • Trade Licence
  • Memorandum of Association (If Applicable)
  • Proof of Address (DEWA or Du or Etisalat bill)
  • Your Company logo (Acceptable format: PNG, JPG, or JPEG. Ideal Size:1:1 square)
  • VAT Registration certificate (If Applicable)

Your Xpence card is a Visa corporate prepaid card, accepted worldwide to manage all your business expenses whenever and wherever you are.

Your funds are protected by a process known as safeguarding, whereby your funds are held with our top-tier local banking partner.

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WeWork Hub71, Al Khatem Tower, ADGM square, Abu Dhabi, UAE
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The Xpence card is issued by Mashreqbank PSC, pursuant to license by Visa.  Visa is a registered trademark of  Visa Inc . Nymcard Payment Services LLC is authorised by the Central Bank of The UAE, holding the Retail Payment Services and Card Schemes license in accordance with the Decretal Federal Law No. (14) of 2018 Regarding the Central Bank & Organization of Financial Institutions and Activities, and Regulatory Framework.

Copyright © 2024, Xpence, the Xpence logo, this website and all images are the copyright of Xpence Global Holdings Ltd, and may not be used or reproduced without the consent of the owner.