e& money review
A UAE-focused wallet combining transfers, cards, bill payments and mobile funding options.
Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026
e& money is a UAE-regulated mobile financial app for sending and receiving money, managing a wallet and using prepaid cards. It is designed primarily for UAE residents with a valid Emirates ID and UAE mobile number, with mobile apps for iOS and Android. The service supports international transfers to bank accounts, mobile wallets and cash-pickup locations, alongside local transfers to UAE bank accounts and mobile numbers. It also covers bill payments, mobile top-ups, merchant payments and rewards on eligible card transactions.
The published plans use a freemium structure. Standard is free and includes account and wallet access. Plus costs AED 23.81 per month and adds one free international transfer, free virtual and physical cards, one free supplementary card, one free UAE ATM withdrawal, one free international ATM withdrawal and one free transfer to a UAE bank account each month. Premium costs AED 42.86 per month and raises those monthly allowances to two in the listed transfer, supplementary-card and ATM categories, while retaining the free virtual and physical cards. Plan fees are listed exclusive of VAT. International transfer fees vary by destination and transaction; the service lists a standard AED 15.75 fee including VAT, with exact fees shown before confirmation.
Funding options include bank accounts, debit or credit cards, Apple Pay, Samsung Pay, Google Pay, agents and kiosks. Apple Wallet, Google Wallet and Samsung Wallet are also supported, while transfer-status tracking and transaction history provide visibility after sending money. Support is available through email, chat, phone and documentation, with 24/7 support listed. e& money is a strong fit for UAE residents who want transfers, wallet functions, cards and everyday payment tools in one mobile service. It is less suitable for people outside the UAE or anyone seeking a desktop deployment, since the listed deployment is mobile and the service is built around UAE residency requirements.
e& money pros and cons
- Where it wins
- International transfers to banks, wallets and cash-pickup locations
- Supports prepaid cards, bill payments and mobile top-ups
- Apple Pay, Google Pay and Samsung Pay integrations
- Where it doesn't
- Primarily designed for UAE residents with an Emirates ID and UAE number
- International transfer fees vary by destination and transaction
- Paid plans are billed monthly and plan fees exclude VAT
e& money fact sheet, pricing and score →
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