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The smarter way to *manage* your money.

Sign up effortlessly and get your IBAN instantly for smooth, hassle-free transactions—completely free, with no hidden fees.

Explore our range of card options to find the one that suits your lifestyle best.

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Enjoy quick, safe money transfers to over 150 countries, offering bank transfers, mobile wallet and cash pickup.

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Transfer money to phone number and local bank instantly

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Use your bank account, debit card, credit card, or physical channels to add money seamlessly online or offline.

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Pay a wide range of bills and top-up services including mobile services, home utilities, transportation, and more.

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Where are you *sending money* to?

Send abroad to over 150 countries with unbeatable rates, low fees, and a variety of convenient channels to choose from.

Select country to send money

Live rate

Duration

Fee (incl. VAT)

Get the app now for exclusive offers tailored just for you. We're confident you'll find the best value for your transfer!

Get the e& #money# app

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Create your account in minutes

Step 1: Download the e& money app

Step 2: Enter phone number

Step 3: Scan Emirates ID

Step 4: Face verification

Step 5: Additional information

Step 6: Set up your Application PIN!

Step 7: Your e& money card and IBAN is ready!

*Forbes Middle East’s* Ranked #9 in
Fintech 50 for 2025

Best wallet

*Global Business Magazine Awards * Awards 2025

Most innovative digital bank UAE

*MEA business awards* 2025

Outstanding sector leadership and growth

4.6

App store rating

1M+

Cards issued

2.5M+

App Downloads

Hear from our *happy users!*

Check out how e& money is making financial management easy, secure, and efficient for people just like you.

Currently one of best money transfer service out there. Live Google exchange rates and lowest or zero transfer fee. Definitely recommend

Google PlayStore

This app is amazing, and it's user-friendly. I didn't have a hard time sending money to my family abroad, and the service is free of charge. It's a big help to expats like me who's not earning much. Thank you e&money

Google PlayStore

Amazing card and account easy to apply and get .. flexible to use .. internationally it is very pleasant and transparent .. it is almost as good as using cash, and on top you get points worth cash .. thanks e& money.

Apple Store

Best and The Best faster, Reliable and trustworthy way to transfer money internationally. Highly Recommended

Apple Store

E&money i wanted to share my feedback on Eandmoney. I appreciate how user-friendly the platform is and the fact that there are no fees.

Apple Store

My co workers introduced this app to me ly ago NB; I saw their advertisement but never really pay attention until my coworker told me l'm missing a lot ; The service charge is very friendly and I can do everything within the app and even send money to my family

Apple Store

E& money grate app! Easy for people to send money to their back home country love ones friends and family ... Good job keep it up

Apple Store

I've been using the e& Money app since 2023, and it's been a great experience. The app is user-friendly, and I love the fee-free transfers, competitive best exchange rates, and integration with payment platforms like Apple Pay. The prepaid cards with cashback on transactions are a nice touch

Google PlayStore

Easy to use , very easy steps to request a physical card and activate it , very smooth transactions never had a problem . Also very easy to recharge the card even via bank transfer it happens in a minute

Google PlayStore

Thank you E&money . 3 months ago since I'm using your service sending money to the philippines.. No delay and No service fee 😁 and the good thing is you can get rewards also if you're using your E&money card while paying..thank you soo much♥

Google PlayStore

Get started with <br />*e&* #money# today!

Download our app instantly by scanning the QR code below. Start managing your finances with ease and enjoy all the benefits e& money has to offer.

Services

All your financial needs. *One app.*

Send abroad

Bills & Top ups

Send money

Request money

Donations & Zakat

Invest money

Gifts & Vouchers

Open your free IBAN account in under 1 minute

Earn up to 1% cash rewards with e& money card

Send money abroad to over 150 countries

Send money locally to a phone number or to any bank

Top up your account your way

Manage all your bill payments in one place

Select country to send money

Get the *e&* #money# app

Create your account in minutes

All your financial needs. One app.

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& Zakat

Get the e& #money# app