Pemo · corporate cards + spend management
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.
Is Pemo worth it?
- free-zone companies: Pemo onboards free-zone entities on its published criteria.
- founders outside the UAE: Pemo onboards fully remotely — no branch visit required.
- import-export businesses: Pemo lists only AED, USD — narrow for import-export flows.
Pricing
- Monthly fee
- AED 0
Eligibility
- Not suitable for
- solo users without a registered company — Pemo requires a business entity and invoices card spend to it. Not a credit product: it is spend management, so companies needing a revolving credit line
Business operations
- Approval time
- 1–3 days
- Free-zone companies
- Yes
- Branch visit
- Not required
- Multi-currency
- AED, USD
Benefits
- Cashback
- 2%
How onboarding goes
- Application: Submit the request through the provider’s channel and upload documents
- Compliance review: KYC checks and document verification
- Decision: Typical timing: 1–3 days
- Go live: Access activated and the product is live
Documents you'll typically need
- Valid UAE trade licence (mainland or free zone)
- Memorandum and Articles of Association
- Passports and Emirates IDs of shareholders and authorised signatories
- UBO (ultimate beneficial owner) declaration
- Office tenancy contract, Ejari or flexi-desk agreement
- Recent invoices or contracts for new companies; 6–12 months of bank statements for operating businesses
Typical pack for this category — the provider confirms the exact list on application.
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.
Verified answers
How much does Pemo cost?
Under the new plans, Starter is free with no SaaS fees (unlimited users and cards), Premium is AED 399 per month per company, and Enterprise starts from AED 1,500 per month. Existing Kickoff/Beta customers move to Starter and Business+ to Enterprise on 1 July 2026; Essential customers keep their current pricing.
Source: help.pemo.io · verified
How do Pemo card limits work?
Admins set a spending limit per card on a daily, weekly, monthly or yearly basis, plus a per-transaction cap, allowed merchant categories and allowed countries. ATM withdrawals are off by default and available on request on Premium and Enterprise, capped at 8 withdrawals per day.
Source: help.pemo.io · verified
Do all Pemo plans include unlimited cards?
Yes — every plan includes unlimited users and unlimited physical and virtual cards; plans differ by functionality. ATM withdrawals, MCC restrictions, reimbursements and VAT visibility start at Premium, and international employee cards are Enterprise-only.
Source: help.pemo.io · verified
Alternatives in corporate cards
Compare corporate cards →
Frequently asked questions
Is Pemo worth it for free-zone companies?
Yes — Pemo onboards free-zone entities on its published criteria.
Is Pemo worth it for founders outside the UAE?
Yes — Pemo onboards fully remotely — no branch visit required.
Is Pemo worth it for import-export businesses?
No — Pemo lists only AED, USD — narrow for import-export flows.