Comparison

Empay UAE vs Xpence

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Empay UAE

This app simplifies payments and essential services in the UAE. Manage bills, transfer money internationally, and top up prepaid accounts securely and easily. It offers a personalized experience with quick access to frequently used services and a digital prepaid card.

Highlights
  • Seamless payments and essential services
  • International money transfers
  • Bill and utility payments
  • Prepaid account top-ups
  • Digital prepaid card
  • UAE PASS integration for easy signup
Features
Read full description

Empay: One app for all your payment Empay is your trusted digital companion for seamless payments and essential services across the UAE. Whether you are managing bills, transferring money internationally, or topping up your prepaid accounts, Empay brings it all together in one secure and easy-to-use app. It is designed to support how people in the UAE live, pay and manage their finances every day Get Started in Minutes Joining Empay is effortless. Use UAE PASS to sign up without entering any personal data. Your identity, mobile number, and email are verified instantly. No UAE PASS? No problem. You can start with just a UAE mobile number and email. Want to get a digital prepaid card? Simply verify your Emirates ID and your card will be ready to use in seconds. Pay with Confidence With PCI DSS Level 1 certification, Empay is built to meet the highest standards in payment security. Easily link your debit or credit cards and make payments within the app, knowing your transactions are fully protected. Smarter International Money Transfers Empay makes sending money abroad simple and reliable. With competitive exchange rates, transparent fees, and an interface designed for repeat use, you can send money to your loved ones in just a few taps. View live rates instantly, access frequently used recipients, and complete your transfer without needing to visit an exchange house. All Your Essential Payments, One App No more juggling different apps or visiting websites. Empay lets you manage a wide range of government and utility payments from your phone, anytime. Current services include: ● Telecom: Etisalat Postpaid, Etisalat Prepaid, Du Postpaid, Du Prepaid, Elife, Du Landline ● Utilities: DEWA, Etihad Water & Electricity, TAQA Al Ain, TAQA Abu Dhabi, Ajman Sewerage, Lootah BC Gas, Sergas ● Transportation: Nol, Salik, MAWAQIF PVT ● Government Services: DET (Dubai Economy and Tourism) New services are added regularly, so you’ll always find what you need in one place. Personalized and Evolving Experience Our redesigned home screen makes it easier than ever to reach your most-used services. Quick action cards, a cleaner layout, and smart suggestions based on your previous activities help you complete tasks faster. Whether it's repeating your monthly bill payment, sending another transfer, or topping up your mobile, Empay remembers what you need. Your Digital Prepaid Card, Ready Instantly Apply for your Empay digital prepaid card directly from the app and start using it for any in-app payment. Top it up using your bank account, debit or credit card, and make secure transactions across all supported services. Physical cards are coming soon. Stay in Control Track your past actions right from the main screen. Get clear summaries, see your latest transactions, and manage everything in one place. Empay is more than just a payment app. It’s your personal tool to manage daily life in the UAE with clarity, speed, and security. Download Empay now and experience the better way to pay. Need help or want to know more? Visit us at www.empay.ae Facebook: facebook.com/Empay.UAE Instagram: instagram.com/Empay.UAE Twitter: twitter.com/Empay_UAE Privacy Policy: empay.ae/privacy.html Support: support@empay.ae

About

Xpence

Manage business expenses and finances with a platform that allows for instant corporate card issuance and automated bookkeeping. Upload receipts and ensure compliance with transaction approvals.

Highlights
  • Issue corporate cards instantly
  • Set customized card controls
  • Automate bookkeeping
  • Upload and store receipts
  • Transaction approvals for compliance
Read full description

Streamline your business finances with Xpence - the GCC’s new way of business spending.
 Take control of your expenses with our award-winning platform:   -    Issue corporate cards in less than a minute and set customised controls
 -    Automate your bookkeeping and say goodbye to manual entries and expense reports -    Upload and store receipts in-app
 -   Transaction approvals are here to help ensure full compliance with company policies  We are PCI DSS 4 compliant which means we protect your data in accordance with the highest industry standards.   Ensure your business stays ahead with Xpence – download now! 

 Features may vary by region

Screenshots

Empay UAE4 screens
Xpence4 screens

Verdict

The call

The clearest difference is rating: Empay UAE at 3.3 against Xpence's 1.0. Empay UAE also leads on ratings volume (11 vs 2). Xpence's advantage is review sentiment (67% vs 42%) and update cadence (every 2 weeks vs every 2 months). On price, ads, in-app purchases and monetization model there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Empay UAE holds the better App Store score, 3.3 against 1.0. That said, the two scores are not equally well evidenced: Empay UAE has 11 ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 42% of Empay UAE's written reviews are positive against 67% of Xpence's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Empay UAE ships an update every 2 months, Xpence every 2 weeks. The most recent releases landed on October 14, 2026 and September 24, 2026 respectively.

Scorecard4 real differences · 6 level
Empay UAE versus Xpence: the parameters behind the verdict, then further details
ParameterEmpay UAEXpence
PriceFreeFree
Rating3.3 (11 ratings) — better1.0 (2 ratings)
Positive reviews41.8% of reviews66.7% of reviews — better
Number of ratings11 — better2
Update frequencyEvery 2 monthsEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.115.0 — better
Further details — not scored
Size78 MB151 MB
Age rating4+4+
DeveloperThe Emirates Payment Services LLCXpence

Customer experience

Empay UAE

All ratings11 ratings
Positive54.5%
Neutral0.0%
Negative45.5%
Written reviews55 reviews
Positive41.8%
Neutral0.0%
Negative58.2%

Xpence

All ratings2 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews3 reviews
Positive66.7%
Neutral0.0%
Negative33.3%

In-app purchases

None

Empay UAE

No in-app purchases

None

Xpence

No in-app purchases

Questions

Is Empay UAE free?
Empay UAE is free to download, with no in-app purchases.
Is Xpence free?
Xpence is free to download, with no in-app purchases.
Which has better reviews, Empay UAE or Xpence?
Empay UAE is rated higher. Empay UAE averages 3.3 out of 5 from 11 ratings, while Xpence averages 1.0 from 2 ratings.
Do Empay UAE or Xpence have ads?
Neither Empay UAE nor Xpence shows ads.
Which is updated more often, Empay UAE or Xpence?
Empay UAE ships an update every 2 months, and Xpence every 2 weeks. Most recently, Empay UAE was updated on October 14, 2026 and Xpence on September 24, 2026.

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