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SMART SPEND - FZCO, License No. 68272, Legal address: Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates

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Kredit is a product of SMART SPEND - FZCO, a licensed entity under the International Free Zone Authority (IFZA), UAE

Copyright © 2026 All Rights Reserved.

Kredit

Privacy PolicyTerms of Service
AboutBest credit cardsMy CardsOffersKredit PerksBanksLoyalty ProgramsCalculatorsAccountsPick me a cardKredit NearbyChatGPT AppNew to the UAESecure CollectContact us

Please send feedback and feature requests to team@kredit.ae

For partnerships please reach out to partner@kredit.ae

SMART SPEND - FZCO, License No. 68272, Legal address: Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates

All third-party trademarks, logos, and brand names displayed on this website are the property of their respective owners. They are used for identification and informational purposes only, and their use does not imply affiliation with, endorsement by, or sponsorship from any trademark owner. If you are a trademark owner with concerns, please contact us and we will address them promptly.

Kredit publishes independent editorial content and card comparisons to help users evaluate credit card options. We may earn a commission when users click certain links, submit an application, are approved, or open an account with partner institutions. Compensation may affect how and where products appear on the site. We do not cover every available card, and our editorial analysis is produced independently and is not reviewed, approved, or influenced by card issuers, banks, or partners before or after publication.

Kredit is a product of SMART SPEND - FZCO, a licensed entity under the International Free Zone Authority (IFZA), UAE

Copyright © 2026 All Rights Reserved.

Kredit

Privacy PolicyTerms of Service

e& money

A wallet for local and international transfers, with digital and physical card options.

OpenCompare wallets
e& money product artwork

At a glance

Key facts

Providere&
Provider licenceStored value facility
PlanStandard
Monthly fee
Free
See all fees and limits

Opening requirements

Emirates IDRequired
UAE residencyRequired

Fees and plans

Compare plan charges. Use the information icons for fee conditions and billing options.

Standard

Wallet maintenance
Free
Top up · Bank transfer
Free
Cash out · Bank transfer
AED 5.24
Cash out · ATM
AED 2.10
Local transfer · To wallet
Free
Local transfer · To UAE bank
AED 5.24
Card · Card issuance
Free
Card · Physical card issuance
AED 26.25
Card · Foreign currency
Up to 2.625%
Card · UAE ATM withdrawal
AED 2.10
Card · International ATM withdrawal
AED 21

Limits

Balance and transaction caps, with their time periods and conditions.

Standard

Maximum balance
AED 25,000
Cash out · Monthly
AED 10,000
International transfersPer transferDailyMonthly
Transfers
AED 25,000
AED 25,000
AED 25,000
International transfersPer transferDailyMonthly
Transfers
AED 25,000
AED 25,000
AED 25,000

Each row applies to its funding method and destination. Blank cells mean no separate amount cap is listed for that period.

International transfers

Transfer fees and published FX margins for sending AED 5,000.

Standard

India · All payout methods
AED 15.75
Pakistan · Cash pickup
AED 15.75
Pakistan · Mobile wallet
AED 15.75
Philippines · All payout methods
AED 15.75
Bangladesh · All payout methods
AED 15.75
Egypt · All payout methods
AED 15.75
Nepal · All payout methods
AED 15.75

Important stuff

e& money Schedule of Charges

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e& money General Terms and Conditions and Key Facts Statements

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Frequently asked questions

Opening, fees and everyday use of e& money.

Select Open to continue to e& money. Check the opening requirements above before registering with the provider.

The fees and limits sections list funding, withdrawal, local-transfer and card charges. Paid-plan fees appear separately, and provider documents are linked in Important stuff.

Free means the provider lists no charge for that specific service. It does not mean every service in the app is free.

Each plan has its own fee table above. Membership charges are separate from transaction charges. Where annual billing is available, it appears as an alternative to monthly membership.

The limits section lists the amount, time period and conditions for each published limit. Daily, monthly and per-transfer caps are different limits.

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