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Xpence app icon

Xpence

Corporate cards and expenses

UAE prepaid corporate cards with budgets, receipts and approvals.

Explore

At a glance

Key facts

CardsPhysical and virtual prepaid cards
Plan feeUAE KFS platform subscriptions: AED 95, 365 or 495 per month
Card issuerNymCard prepaid UAE corporate expense card
Card fundingWire from the company's own UAE bank account
ATM limitsAED 10,000 single, 20,000/day, 35,000/week, 75,000/month; eight per day
Annual load tiersAED 0–1m, 1–3m, 3–5m and above 5m
EligibilityUAE-registered SME and employees or associates
Premium rewardUp to 1% cashback on the website's Premium tier
See all details

Fees

Xpence platform monthly subscription AED 95 · per monthAED 95
Xpence platform monthly subscription AED 365 · per monthAED 365
Xpence platform monthly subscription AED 495 · per monthAED 495
See all fees

Use cases

Use casesTeam spend

Team spending

Prepaid expense cards

Physical and virtual cards for company spending.

NymCard issues the card, which can be used online, at points of sale and at ATMs. The card is funded from the company's own UAE bank account and is not a deposit or credit account.

Learn more: Xpence UAE card key facts statement

Budgets and receipts

Set card controls and capture expense receipts.

Starter lists unlimited users and cards, receipt tagging, automatic categorisation and requests. The KFS separately sets ATM and annual-loading ceilings.

Learn more: Xpence UAE pricing and features, Xpence UAE card key facts statement

Approval workflows

Route card and expense requests for approval.

Premium adds accounting integrations, a dedicated customer success manager and onsite training; Enterprise pricing and rewards are tailored.

Learn more: Xpence UAE pricing and features

Fees

95AED

Xpence platform monthly subscription AED 95 · per month

AED 95 per month under the UAE card KFS

365AED

Xpence platform monthly subscription AED 365 · per month

AED 365 per month under the UAE card KFS

495AED

Xpence platform monthly subscription AED 495 · per month

AED 495 per month under the UAE card KFS

Card issuing fee · one-timeFree card issue
Annual card fee · per yearAED 35 per card per year
Foreign currency markup · per transaction2.75% foreign-currency card markup
UAE ATM withdrawal · per transactionUSD 1.09 per UAE ATM withdrawal plus any operator charge
International ATM withdrawal · per transactionAED 10 plus 2.75% per international ATM withdrawal, plus any operator charge
ATM balance enquiry · per transactionATM operator charge only for a balance enquiry; no issuer amount is fixed

Good to know

Prepaid card

The card earns no interest and is not a bank or credit account. Funds are safeguarded; cardholders must be adult UAE residents and pass issuer identification checks.

Closing the card

After closing, remaining funds are sent to a same-name UAE bank account. A processing charge may apply; the KFS does not set an amount.

Important stuff

Xpence UAE card key facts statement

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Xpence UAE card key facts statement in Arabic

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Xpence UAE card terms

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