Made with       in the UAE

  • White Instagram Icon
  • White Facebook Icon
  • White Twitter Icon
  • White LinkedIn Icon


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.