UAE Corporate Expense Management: Cards and Software for Business

Q: UAE Corporate Card Options

Traditional Corporate Cards (UAE Banks): Emirates NBD Visa Corporate, FAB Mastercard Corporate, ADCB Corporate Visa. Available for established companies (2+ years, AED 2M+ revenue). Credit limit: set by the bank based on financials. Expense reports: generated by the bank portal. Multi-employee cards: yes (supplementary cards for each employee). Prepaid Corporate Cards (UAE Fintech): Wio Business: provides Visa business debit cards for the company and supplementary cards for employees. Real-time spend notifications. Spend limits per card. International Expense Management Cards: Spendesk, Pleo, or Soldo — European prepaid card and expense management platforms that work in the UAE. Load funds onto employee cards from the main account. Set per-category spending limits. Automatic receipt capture via mobile app.

📅 Last reviewed: August 4, 2026📋 By: UAE Freezone Compare Finance Team✅ Fact-checked by UAE Freezone Compare Editorial Team

Managing employee expenses in the UAE requires corporate cards and expense management software. Here is a guide to the best UAE expense management solutions in 2025.

UAE Corporate Card Options

Traditional Corporate Cards (UAE Banks): Emirates NBD Visa Corporate, FAB Mastercard Corporate, ADCB Corporate Visa. Available for established companies (2+ years, AED 2M+ revenue). Credit limit: set by the bank based on financials. Expense reports: generated by the bank portal. Multi-employee cards: yes (supplementary cards for each employee). Prepaid Corporate Cards (UAE Fintech): Wio Business: provides Visa business debit cards for the company and supplementary cards for employees. Real-time spend notifications. Spend limits per card. International Expense Management Cards: Spendesk, Pleo, or Soldo — European prepaid card and expense management platforms that work in the UAE. Load funds onto employee cards from the main account. Set per-category spending limits. Automatic receipt capture via mobile app.

UAE Expense Management Software

Leading expense management software used by UAE businesses: Zoho Expense (UAE): Cloud-based, integrates with Zoho Books (popular UAE accounting software). Arabic interface available. Free tier for solo businesses. Expensify: Popular globally, well-used in UAE free zone businesses. Receipt capture, mileage tracking, approval workflows. Xero Expense (with WIO integration): WIO Bank has a Xero integration that auto-imports transactions. SAP Concur: Enterprise-grade, used by DMCC and DIFC multinational companies for complex expense management.