Free
Starter spend plan · per month
Pemo
Corporate spend and partner-issued account
Team cards and expense controls with a separately paid Ruya-issued UAE business account.
At a glance
Key facts
Account typeOptional separately billed Ruya-issued business account; prepaid card wallet is distinct
CardsUnlimited physical and virtual cards on current spend plans
Plan feeStarter free; Premium AED 399/month; Enterprise from AED 1,500/month
Users and cardsUnlimited physical and virtual cards and users on current spend plans
CashbackStarter 0.5% international; Premium up to 2% international; Enterprise custom
ATM availabilityUnavailable on Starter; Premium and Enterprise enabled on request
ATM limitsAED 10,000 single, 20,000/day, 35,000/week, 70,000/month; eight per day
AccountOptional, separately paid Ruya-issued IBAN; existing UAE business bank account needed to apply
Ruya account balanceNo minimum balance
Ruya account offerFirst 100 companies have the account subscription waived through the end of 2026
Wakala expected profit2.50% for 1 day, 3.00% for 7 days, 3.65% for 1 month, 3.75% for 3 months, and 3.50% for 6 or 12 months, annualised
Wakala depositAED 5,000–5,000,000; tenors from 1 day to 12 months
Fees
Starter spend plan · per monthFree
Premium spend plan · per monthAED 399
Enterprise spend plan · per monthFrom AED 1,500
Use cases
Use casesBusiness accounts, Team spend
Team spending
Corporate cards
Unlimited physical and virtual cards across current plans.
Expense controls
Track spending, receipts, budgets and approvals.
International cashback
Starter earns 0.5%; Premium offers up to 2%.
Ruya business account
Add a business IBAN and domestic transfers.
Local transfers
Send AED payments within the UAE through Aani.
Bill Pay approvals
Upload invoices for controlled vendor payments.
Fees
399AED
Premium spend plan · per month
From AED 1,500
Enterprise spend plan · per month
Good to know
New and existing customers
The 3.68% international-card rate applies to businesses approved from 1 July 2026. Earlier customers may have a different card tariff; the former Essential plan is retained only for existing subscribers.
Separate account and wallet
Ruya issues the optional business account. Corporate cards spend from a separate wallet; moving funds back out requires a Pemo support request.
Wakala deposit
Expected profit is paid at maturity under Ruya's terms. Partial early redemption is unavailable; ending the deposit early forfeits its profit.
Cash withdrawals
ATM access is off on Starter and must be requested on the paid plans. Machine operators may add a separate cash-withdrawal fee.