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Xpence – Smart business Xpence cards for smart businesses

Xpence - home page
Xpence landing page

What is Xpence about?

Xpence is a digital banking platform based in the UAE, catering specifically to businesses across the Middle East. It offers a comprehensive suite of financial services designed to simplify financial management, improve cash flow, and streamline operations for businesses in the region.

Key Features

  • Business Accounts
  • Expense Management Tools
  • Corporate Debit Cards
  • Multi-Currency Support
  • Invoice Generation & Management
  • Instant Domestic and International Payments

Why choose Xpence?

Xpence is an ideal digital banking solution for businesses in the Middle East, offering a powerful combination of expense management, multi-currency support, and real-time payment capabilities. The platform’s easy-to-use mobile app, robust features, and integration options make it perfect for businesses looking to optimize financial operations and improve cash flow.

Who is Xpence for?

  • Businesses
  • Freelancers
  • Startups

Where is Xpence available?

Xpence is currently available for residents in 4 countries:

United Arab Emirates, Saudi Arabia, Bahrain, Qatar

How is Xpence different than my bank?

Xpence provides 24/7 account access via its mobile app, enabling you to manage finances, make payments, check your balance, and freeze your card anytime. Real-time transaction notifications keep you in control of your spending.

Opening an account is quick and hassle-free—download the app, verify your identity, and get started within minutes. No credit check is required.

With low fees and no physical branches, Xpence minimizes costs for ATM withdrawals, international transfers, and payments abroad. The app also keeps everything digital, offering convenience and eco-friendliness.

Founded: 2018

Headquarters: Dubai, UAE

Users: unknown

Countries available: 4

Account plans: current accounts for businesses

Xpence cards
Xpence cards

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Affordable fees and attractive pricing

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Neobanks offer highly accessible, user-friendly mobile apps designed for a smooth, modern banking experience. Unlike traditional banks, which rely on complex processes and paperwork, neobanks provide a streamlined interface where users can manage finances, track transactions in real-time, and set up alerts with ease. This straightforward, app-based experience appeals to tech-savvy users and businesses alike, offering a practical solution for efficient financial management.

Advanced budgeting and financial tracking tools

Responsive support and community involvement

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