Xpence FAQ

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