Spending rules & controls
Effortless business expense management
Issue Xpence Visa Business cards to your teams and say goodbye to expense reports.
Get complete control over how, when and where your team can spend.
Manage all your business spend in one place - from digital marketing to software subscriptions.
Manage your expenses as a team
Bring petty cash into the 21st century by issuing team members with smart company Visa cards.
Control how much and where employees can spend by using our powerful card controls.
Freeze and unfreeze Xpence cards in an instant with a click of a button.
Track spending in real time
Employees just need to snap a picture of a receipt and add a note to justify each spend.
Receive instant notifications whenever a team member makes a transaction.
Information rich transaction details including automated categorisation.
Instant virtual cards for online expenses
Issue and start using Xpence virtual cards instantly with just a few clicks.
Manage online subscriptions and services by using dedicated virtual cards for each one.
Easily pay online by one-click copying and pasting card details.
What do you need to open an account?
An iPhone or an Android smartphone.
A legally registered business.
A business bank account in your country of incorporation.
Online presence (website, Instagram account, Facebook page)
Xpence is a member of the Visa Fintech Fast Track Programme.
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.