Xpence vs ADCB | Nomo UAE
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Issue corporate cards instantly
- Set customized card controls
- Automate bookkeeping
- Upload and store receipts
- Transaction approvals for compliance
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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
ADCB | Nomo UAE
Access a UK digital bank account with multi-currency spending, international transfers, and savings options. Invest in UK property with tailored finance solutions. Manage your finances globally with a Sharia-compliant digital banking app.
- Fee-free multi-currency spending
- Easy international transfers
- UK-based savings accounts
- UK property investment finance
- Digital account opening
- Sharia-compliant banking
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Think global, bank local, with a UK digital bank account from Nomo, in partnership with ADCB. Nomo by Bank of London and The Middle East plc (“BLME”) is a trading name of BLME. Bank of London and The Middle East plc DIFC Branch is regulated by the Dubai Financial Services Authority (“DFSA”) as a Category 4 Authorised Firm. The registered office is Office 2904, Level 29, Al Fattan Currency House, Dubai International Financial Centre, Dubai, UAE, PO Box 506557 is DFSA Firm Reference Number F0003552. When you join Nomo, you’ll have access to fee-free multi-currency spending, easy international transfers, UK-based savings accounts, and exciting property investment opportunities. Apply for an account digitally from your smartphone. Kindly note that the Nomo Bank account is provided by Bank of London and The Middle East (BLME) rather than ADCB. SPEND Pay like a local with your debit card or Apple Pay in six currencies – GBP, USD, EUR, KWD, AED, SAR – and avoid international card fees when you’re travelling abroad. SEND Send money abroad in multiple currencies from the app. GBP transfers to UK personal and business bank accounts are fee-free, and transfers in other currencies have low, flat fees. SAVE Diversify your income and earn multi-currency profits with GBP, USD and EUR Fixed Term Deposits. PROPERTY FINANCE Receive finance to buy a UK property, either as an investment or as a home for your family. Joint and sole applications and available, as well as refinance for existing UK property owners.* Security with Nomo Ensuring your money and data are safe is a top priority for us. Nomo is part of Boubyan Bank and a trading name of BLME (Bank of London and The Middle East plc), which is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the PRA. Nomo deposits via BLME of up to £85,000 are therefore protected by the FSCS (Financial Services Compensation Scheme). Please refer to the FSCS website for further information at www.fscs.org.uk. Why ADCB | Nomo? We believe that your international, fast-paced lifestyle should be matched with instant access to amazing banking products wherever you are in the world. Nomo’s seamless banking tools allow you to live locally and think globally. Wherever our clients go, they take their financial freedom with them thanks to our Sharia-compliant digital banking app. We’re working hard to bring digital excellence to the world of Islamic banking, through cutting-edge technology that lets customers manage their money on their terms. It takes just minutes to open a Nomo account, so download the app and begin your journey now! *Properties in England and Wales only. Your property may be at risk if you do not keep up the payments on your Nomo Property Finance
Screenshots
Verdict
The clearest difference is rating: ADCB | Nomo UAE at 4.7 against Xpence's 1.0. ADCB | Nomo UAE also leads on ratings volume (109 vs 2). Xpence's advantage is review sentiment (67% vs 50%) and iOS requirement (15.0 vs 18.0). On price, update cadence, ads and in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
ADCB | Nomo UAE holds the better App Store score, 4.7 against 1.0. That said, the two scores are not equally well evidenced: ADCB | Nomo UAE has 109 ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 67% of Xpence's written reviews are positive against 50% of ADCB | Nomo UAE's, so the app with the better star average is not the one people write more warmly about.
Xpence ships an update every 2 weeks, ADCB | Nomo UAE fortnightly. The most recent releases landed on June 5, 2026 and September 25, 2026 respectively.
| Parameter | Xpence | ADCB | Nomo UAE |
|---|---|---|
| Price | Free | Free |
| Rating | 1.0 (2 ratings) | 4.7 (109 ratings) — better |
| Positive reviews | 66.7% of reviews — better | 50.0% of reviews |
| Number of ratings | 2 | 109 — better |
| Update frequency | Every 2 weeks — better | Fortnightly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 15.0 — better | 18.0 |
| Further details — not scored | ||
| Size | 151 MB | 167 MB |
| Age rating | 4+ | 4+ |
| Developer | Xpence | BLME |
Customer experience
Xpence
ADCB | Nomo UAE
In-app purchases
Xpence
No in-app purchases
ADCB | Nomo UAE
No in-app purchases








