Pluto · corporate cards + spend management
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.
Is Pluto worth it?
- free-zone companies: Pluto onboards free-zone entities on its published criteria.
- founders outside the UAE: Pluto onboards fully remotely — no branch visit required.
- import-export businesses: Pluto lists only AED, USD — narrow for import-export flows.
Pricing
- Monthly fee
- AED 0
Eligibility
- Not suitable for
- teams wanting a credit line or bank account — Pluto is a prepaid spend card funded by the company wallet. Companies needing physical card issuance at scale for hundreds of staff
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.
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.
Verified answers
Who issues Pluto corporate cards?
The Corporate Prepaid Card Program is provided by Pluto through NymCard Payment Services LLC under a Mastercard license; NymCard is authorised by the Central Bank of the UAE holding the Retail Payment Services and Card Schemes license.
Source: getpluto.com · verified
Who is Pluto itself?
Pluto Technologies Limited (DIFC) provides the technology platform; payment services for "Pay via Pluto" are offered by InterPay Limited (TransferMate Global Payments), an Electronic Money Institution licensed by the Central Bank of Ireland (C42802).
Source: getpluto.com · verified
Does Pluto publish pricing?
No public pricing page was found — /pricing returns 404 and plan terms are discussed in sales/onboarding.
Source: getpluto.com · verified
Head-to-head
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Frequently asked questions
Is Pluto worth it for free-zone companies?
Yes — Pluto onboards free-zone entities on its published criteria.
Is Pluto worth it for founders outside the UAE?
Yes — Pluto onboards fully remotely — no branch visit required.
Is Pluto worth it for import-export businesses?
No — Pluto lists only AED, USD — narrow for import-export flows.