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e& money
by e& money
What e& money is
e& money is a financial services app from e& money, based in Dubai, United Arab Emirates. It brings together a wallet and account with international transfers, prepaid cards, bill payments, top-ups and other services. Customers can open a free IBAN account and receive the IBAN instantly. International transfers can go to more than 150 countries through bank transfers, mobile wallets or cash pickup; transfers are listed as instant and can be tracked. The standard transfer fee is AED 15.75 including VAT, with lower fees for some countries and occasional zero-fee promotions. Exchange rates use a markup. The Standard account is free, while Plus costs 23.81 AED a month and Premium costs 42.86 AED a month; salary deposits in specified ranges can make either paid plan free. Completing registration, including Emirates ID scanning and face verification, gives customers a free virtual card. A physical card costs AED 25 plus VAT, and card purchases earn 1% cashback. The card can be added to Apple Pay, Google Pay and Samsung Pay. The app is available for Android and iOS. International transfers require users to be at least 18 and to have a valid Emirates ID registered in the app.
Who it suits
e& money suits people in the UAE who want one app for an account, transfers, payments and prepaid card services. Its international transfer options may suit eligible customers sending money abroad, while the card and wallet services support everyday payments and top-ups.
What it does well
- Free Standard account with wallet and account access.
- Open a free IBAN account and receive the IBAN instantly.
- Send transfers to more than 150 countries using three delivery routes.
- Transfers are listed as instant and can be tracked.
- Card purchases earn 1% cashback.
- Support is available by phone, email and in-app live chat.
What to know first
- International transfers require a valid Emirates ID and age 18 or older.
- The total fund-out limit is AED 25,000.
- First-time transfers to a beneficiary are capped at AED 5,000 for 24 hours.
- A physical card costs AED 25 plus VAT.
Limits
The Standard plan is listed as wallet and account access. International transfers and payment transactions together are subject to a total fund-out limit of AED 25,000, and a first-time transfer to a beneficiary is limited to AED 5,000 during the first 24 hours.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Standard | Automatically enrolled when opening an account · Free account plan · Wallet and account access | Free |
| Plus | Monthly fee; free if receiving a salary of AED 2,000–5,000 into the account · 1 free international transfer per month · Free virtual and physical card · 1 free supplementary card · 1 free UAE ATM withdrawal per month · 1 free international ATM withdrawal per month · 1 free transfer to a UAE bank account per month | 23.81 AED a month |
| Premium | Monthly fee; free if receiving a salary above AED 5,000 into the account · 2 free international transfers per month · Free virtual and physical card · 2 free supplementary cards · 2 free UAE ATM withdrawals per month · 2 free international ATM withdrawals per month · 2 free transfers to a UAE bank account per month | 42.86 AED a month |
| e& money account | No account fee stated · international transfers typically AED 15.75 including VAT · total monthly fund-out limit AED 25,000 | Free |
As eandmoney.com lists them, read 22 Sept 2026. The maker's own page has the final word.
Getting started
- Visit the e& money website.
- Get the Android or iOS app.
- Open an account; the Standard plan is automatically enrolled when an account is opened.
- Complete registration, including Emirates ID scanning and face verification, to receive a free virtual card.
- Register a valid Emirates ID and meet the age requirement to use international transfers.
Verdict
Choose e& money if you meet its Emirates ID requirement and want account, transfer, bill payment and card services in one app. The free Standard plan provides wallet and account access, with paid tiers adding monthly allowances. Check the transfer fee and fund-out limits if international transfers are central to your needs.
Questions
Is e& money free?
The Standard plan is free and automatically enrolled when opening an account. Plus costs 23.81 AED a month and Premium costs 42.86 AED a month; each can be free with salary deposits in its stated range.
How much do international transfers cost?
The standard fee is AED 15.75 including VAT. Lower fees apply for some countries, and zero-fee promotions occur occasionally.
Where can I send international transfers?
Transfers are available to more than 150 countries through bank transfers, mobile wallets or cash pickup.
Which devices support e& money?
The app is available on Android and iOS.
What does the physical card cost?
A physical card costs AED 25 plus VAT. A free virtual card is issued after completing registration, including Emirates ID scanning and face verification.
Who can use international transfers?
Customers must be at least 18 and have a valid Emirates ID registered in the app.
Facts from e& money's own pages
- Card rewards
- The card page says users earn 1% cashback on card purchases. · eandmoney.com, 8 Oct 2026
- Cards
- Customers who complete registration, including Emirates ID scanning and face verification, automatically receive a free virtual card; a physical card costs AED 25 plus VAT. · eandmoney.com, 8 Oct 2026
- Customer support
- Support is available by UAE and international phone numbers, email and in-app live chat. · eandmoney.com, 8 Oct 2026
- Eligibility
- International transfers require the customer to be at least 18 and have a valid Emirates ID registered in the app. · eandmoney.com, 8 Oct 2026
- Exchange-rate model
- markup · eandmoney.com, 22 Sept 2026
- Upfront fee display
- Yes · eandmoney.com, 22 Sept 2026
- Free plan
- Yes · eandmoney.com, 22 Sept 2026
- Funding methods
- The about page says accounts can be funded through bank accounts, debit or credit cards, Apple Pay, agents and kiosks. · eandmoney.com, 8 Oct 2026
- Headquarters
- Dubai, United Arab Emirates · eandmoney.com, 28 Sept 2026
- IBAN account
- The site says customers can open a free IBAN account and receive their IBAN instantly. · eandmoney.com, 8 Oct 2026
- International transfers
- Users can send money to more than 150 countries through bank transfers, mobile wallets or cash pickup. · eandmoney.com, 8 Oct 2026
- Mobile platforms
- both · eandmoney.com, 22 Sept 2026
- Other services
- The site lists local money transfers, money requests, donations, bill payments, top-ups and buying or selling gold among its services. · eandmoney.com, 8 Oct 2026
- Purpose
- e& money is an app for managing financial services including prepaid cards, international transfers, bill payments and gifting. · eandmoney.com, 8 Oct 2026
- Regulation
- Digital Financial Service LLC (e& money) is licensed and regulated by the UAE Central Bank to offer stored value facilities and retail payment services. · eandmoney.com, 8 Oct 2026
- Transfer fees
- The standard international transfer fee is AED 15.75 including VAT, with lower fees for some countries and occasional zero-fee promotions. · eandmoney.com, 8 Oct 2026
- Transfer limits
- The total fund-out limit, including transfers and payment transactions, is AED 25,000; first-time transfers to a beneficiary are limited to AED 5,000 for the first 24 hours. · eandmoney.com, 8 Oct 2026
- Transfer speed
- instant · eandmoney.com, 22 Sept 2026
- Transfer tracking
- Yes · eandmoney.com, 22 Sept 2026
- Wallet integrations
- The card can be added to Apple Pay, Google Pay and Samsung Pay. · eandmoney.com, 8 Oct 2026
Where e& money stands on Freedom251
- Money Transfer Apps#28 of 81