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Empowering
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.
Empowering
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.
Features your business will love!
Spending Cards
Issue physical and virtual cards and track your team’s expenses.
Automated Bookkeeping
Your transactions are categorised in real-time.
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
Cards
Smart cards for smart businesses
Issue globally accepted physical and virtual Xpence cards for you and your team.
Teams
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 categorise each of your transactions and receive a detail-rich transaction history.
Virtual Cards
Start spending instantly
Manage your online spending with Xpence virtual cards
Invoicing
Get paid faster
Send professional invoices and accept payments online.
Solutions
For businesses of all shapes and sizes
Whether you’re a freelancer or a multinational, we have a solution for you.
Security
Keep your money safe
Learn more about our industry-leading security standards.
Perks
More than just payments
Recieve exclusive benefits from our partners to help you launch and scale your business.
About us
Our story
Meet the team building Xpence.
Onboarding
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 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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DIFC Innovation Hub, Gate Avenue, Zone D Level 1, Office 160, DIFC Dubai, UAE
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The products and services mentioned on this webpage belong to Xpence Ltd as a financial technology company and not a bank. Xpence Ltd provides certain facilities for utilization of payment services through Nymcard Payment Services LLC under the applicable payment network and Bank Identification Number Sponsorship of Mashreqbank PSC. This is  pursuant to the license by Visa® Inc and is available only for the residents of UAE subject to the Terms and Conditions of use