Corporate cards with accounting integration in the UAE

All five UAE spend platforms publish accounting integrations — Xero and QuickBooks are the common floor; NetSuite and custom ERP support split the leaders from the pack. Compare how the sync delivers receipts and VAT fields, not just that an integration exists.

Catalogue updated 2026-10-13

Raqma's pick

Alaan

No monthly fee
Stated approval from 2 days
Accepts free-zone licences
Fully remote onboarding

The top catalogue-ranked product in this list — reasons cite the published fields below, not a paid placement. Methodology

Products to compare

6 products

Products are shown in catalogue order, not as a personalised recommendation. Compare the details and confirm current terms with the provider. Methodology

Alaan

Mature GCC spend platform — deep per-card limits, receipt OCR and direct integrations. Strong for finance teams that want policy enforcement baked in.

1% cashbackFree-zone friendlyFully digital onboardingMulti-currency: AED, SAR, USD

Monthly fee: AED 0
Cashback: up to 1%
Approval: 2–5 days
Free zone: Yes

Reviewed 2026-10-23

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Starter plan AED 0/mo (10 users). Premium/Enterprise cards can earn unlimited 2% cashback on international transactions. Card issued by NymCard (CBUAE-authorised, Visa licence). Per alaan.com/pricing, verified Oct 2026.

Pemo

Unlimited virtual cards on the free plan, receipt matching and accounting integrations (Zoho, QuickBooks, Xero). Cashback on card spend makes the free tier genuinely usable.

2% cashbackFree-zone friendlyFully digital onboardingMulti-currency: AED, USD

Monthly fee: AED 0
Cashback: up to 2%
Approval: 1–3 days
Free zone: Yes

Reviewed 2026-10-15

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Kickoff plan AED 0/mo (2 card users, +AED 29/user); Essential AED 58/mo; Business+ custom (min 20 card users). Per Pemo help centre, verified Oct 2026.

Qashio

Emirates NBD-backed corporate cards with strong merchant-category controls — good fit for ad spend and SaaS subscriptions where cashback compounds.

2% cashbackFree-zone friendlyFully digital onboardingMulti-currency: AED, USD

Monthly fee: AED 0
Cashback: up to 2%
Approval: 2–5 days
Free zone: Yes

Reviewed 2026-10-15

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Qashio Points convert to cashback or Emirates Skywards miles (no conversion fee; cashback credited ~3–5 business days). Prepaid corporate card issued by NymCard (CBUAE-authorised). Per qashio.com, verified Oct 2026.

Xpence

SME-friendly card + spend platform — simple onboarding for mainland and free-zone companies, virtual and physical Visa cards.

Free-zone friendlyFully digital onboardingMulti-currency: AED, USD

Monthly fee: —
Cashback: —
Approval: 2–5 days
Free zone: Yes

Reviewed 2026-09-30

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Pricing is per-plan; check current card and platform fees on Xpence, Sep 2026.

Volopay

Unlimited virtual cards, bill pay, reimbursements and multi-currency wallets in one platform — card fee scales with monthly spend and is waived above a threshold.

Fully digital onboardingMulti-currency: Multi-currency wallets

Monthly fee: —
Cashback: —
Approval: 3–5 days
Free zone: —

Reviewed 2026-10-17

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UAE plan pricing not published on the site — request a quote. Operates via licensed partners; not a bank.

Pluto

Free unlimited virtual cards with merchant/amount controls — fastest to issue for distributed teams. Integrations thinner than Pemo/Alaan but the card layer is solid.

2% cashbackFree-zone friendlyFully digital onboardingMulti-currency: AED, USD

Monthly fee: AED 0
Cashback: up to 2%
Approval: 1–3 days
Free zone: Yes

Reviewed 2026-10-15

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Free for SMEs — no monthly subscription for up to 10 users; up to 2% cashback; prepaid Mastercard corporate card. Per getpluto.com, verified Oct 2026.

Side-by-side

Side-by-side — 6products — Monthly fee, Cashback, Approval, Free zone
Product	Monthly fee	Cashback	Approval	Free zone
Alaan	AED 0	up to 1%	2–5 days	Yes
Pemo	AED 0	up to 2%	1–3 days	Yes
Qashio	AED 0	up to 2%	2–5 days	Yes
Xpence	Not published	Not published	2–5 days	Yes
Volopay	Not published	Not published	3–5 days	Not published
Pluto	AED 0	up to 2%	1–3 days	Yes

How to choose a Corporate cards by your situation

startups watching fixed cost: compare monthly fee and minimum balance first — lowest published monthly cost: Alaan and Pemo and Qashio.
a free-zone company: shortlist first — free-zone onboarding on published criteria: Alaan and Pemo and Qashio.
founders outside the UAE: All products onboard remotely — no branch visit needed.
anyone needing it live soon: fastest stated approval: Pemo and Pluto — still subject to compliance review.
import-export and multi-currency flows: widest published currency coverage: Alaan.

Fact sources: alaan.com · help.pemo.io · pemo.io · qashio.com · volopay.com · getpluto.com · getpluto.com

Frequently asked questions

How to choose a Corporate cards service for your situation?

For startups watching fixed cost: compare monthly fee and minimum balance first — lowest published monthly cost: Alaan and Pemo and Qashio. For a free-zone company: shortlist first — free-zone onboarding on published criteria: Alaan and Pemo and Qashio. For founders outside the UAE: All products onboard remotely — no branch visit needed. For anyone needing it live soon: fastest stated approval: Pemo and Pluto — still subject to compliance review. For import-export and multi-currency flows: widest published currency coverage: Alaan.

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