The Banking Alternative for 


The region's first digital only business account for freelancers, solo entrepreneurs and startups.

Designed for All Entrepreneurs

Xpence has been designed with doing business in mind. Whether you have an existing business current account or you are looking for the perfect account for your venture, Xpence revolutionises the way you manage finances and accounting

Solo Entrepreneurs

Xpence makes it easier for freelancers to manage their businesses on the go.


Xpence is the perfect banking solution for new ventures with two or more founders.

Small Businesses

Xpence is the ideal solution for any modern business to manage its everyday finances.


a new kind of BUSINESS


Smart tools to grow your business come as standard with an Xpence account. So, if you are a freelance photographer, a yoga instructor or a tech startup, we've got your back!


your BOOKKEEPING on autopilot

Xpence automatically tags and categorises all your income and expenditure in real time making it easier for you to understand your money. You can also create your own tags too.

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no more RECEIPTS

Xpence reminds you to snap and add a picture of a receipt every time you use your card. You can even add notes and files to your transactions, and create custom tags.



Forget about mundane paperwork in the evenings or on the weekend. With Xpence you can create beautiful invoices and ask for payment on the go; anywhere, anytime.

a SMART card for SMART entrepreneurs

You will receive a premium contactless Visa card to pay in-store, online and access your funds instantly from ATMs locally and internationally. Depending on your plan you can create physical Visa cards for your team members or virtual cards for one-off payments. You can instantly adjust limits, monitor expenses in real time, and suspend cards all through our beautiful app.


we are about to LAUNCH in your CITY

We will be rolling out our beta accounts soon for entrepreneurs. Get on the waiting list to be one of the first to get an Xpence card.

Get early access to Xpence, Click below


Made with       in the UAE

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Xpence Ltd.

Al Sila Tower,

ADGM Square,

Abu Dhabi,

United Arab Emirates


Reg. No. 000002018


Xpence Payment Services Provider

Grosvenor Business Tower,

Barsha Heights, 


United Arab Emirates

License No. 821172


Xpence Saudi for Tech Development

3141 Anas Ibn Malik

Al Malqa District

Riyadh 13521 - 8292 

Kingdom of Saudi Arabia

CR No. 1010629415


Xpence Bahrain Ltd. S.P.C.

Bahrain Fintech Bay,

Bldg 551, Road 4612, Block 346, Manama, 

Kingdom of Bahrain

CR No. 137302-1


Xpence Ltd.

71- 75 Shelton Street,

Covent Garden, 

London, WC2H 9JQ,

England, United Kingdom

Company No. 11511126


Xpence Ltd. is an incorporated company pursuant to Abu Dhabi Global Market Companies Regulations 2015 and is taken to be incorporated in Abu Dhabi Global Market.

ADGM FSRA has granted Xpence a Financial Services Permission (FSP # 180031)

Xpence Ltd (‘Xpence’) is regulated by the Abu Dhabi Global Market Financial Services Regulatory Authority (‘FSRA’) solely for the purpose of developing and testing innovative financial technology services within the Regulatory Laboratory (‘RegLab’). Xpence is only permitted to test its financial technology services with clients who have expressly given their consent in writing to participate, and acknowledged the risks of participating in the test. The test is subject to a maximum period of two years within the RegLab. At the end of the test period, Xpence will cease operations unless it receives the relevant approvals from the FSRA to continue operations outside the confines of the RegLab. Xpence’s clients may have limited recourse in the event of a failure or termination of the firm’s services.

The Central Bank of Bahrain has confirmed that "Xpence Ltd." is authorised to participate in the Fintech Regulatory Sandbox in the Kingdom of Bahrain and is henceforth granted authorisation to operate as a "Sandbox Ancillary Service Provider" for a limited period.

Xpence is a member of the Visa FinTech fast-track program.

Xpence’s statements regarding its plans, directions and intent are subject to local laws, regulations and obtaining the necessary regulatory approvals and authorisations. Information on this website is subject to change or withdrawal without notice at Xpence’s sole discretion. Information on this website is intended to outline our general product direction and it should not be relied on in making a purchasing decision. This information is not an offer, commitment, promise or legal obligation to deliver any material, code or functionality. Information about potential future products in any market may not be incorporated into any future contract. The development, release and timing of any release in any market remains at the sole discretion of Xpence.

© 2020 by Xpence Ltd.