Xpence · corporate cards + spend management
Xpence
SME-friendly card + spend platform — simple onboarding for mainland and free-zone companies, virtual and physical Visa cards.
Is Xpence worth it?
- free-zone companies: Xpence onboards free-zone entities on its published criteria.
- founders outside the UAE: Xpence onboards fully remotely — no branch visit required.
- import-export businesses: Xpence lists only AED, USD — narrow for import-export flows.
Eligibility
- Not suitable for
- solo founders without a team to manage spend for — expense cards earn their keep at team scale. Businesses wanting a credit facility rather than prepaid spend
Business operations
- Approval time
- 2–5 days
- Free-zone companies
- Yes
- Branch visit
- Not required
- Multi-currency
- AED, USD
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: 2–5 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.
Pricing is per-plan; check current card and platform fees on Xpence, Sep 2026.
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Frequently asked questions
Is Xpence worth it for free-zone companies?
Yes — Xpence onboards free-zone entities on its published criteria.
Is Xpence worth it for founders outside the UAE?
Yes — Xpence onboards fully remotely — no branch visit required.
Is Xpence worth it for import-export businesses?
No — Xpence lists only AED, USD — narrow for import-export flows.