E& Money review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
E& Money suits UAE households that want a prepaid card for a child to use, and travellers from the region who pay in other currencies.
Key facts
- Best for
- A prepaid card that charges AED 0 a month and 0% to change currency.
- Monthly fee
- AED 0↗
- Currency conversion fee
- 0%↗
- Card type
- Prepaid↗
- Cashback rate
- 1%↗
- Legal entity
- Digital Financial Service LLC↗
- Headquarters
- United Arab Emirates↗
- Support channels
- Phone, Help-centre↗
- Features
- Virtual card, Travel
- Audience
- Kids
- Official website
- eandmoney.com
Credit cards
- Annual fee
- AED 0↗
- Rewards type
- Cashback↗
- Rewards rate
- up to 1% cashback↗
- Cashback rate
- 1%↗
- Card kind
- Credit↗
- Pricing model
- No annual fee
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Elsewhere
- apps.apple.com
Pros and cons
Pros
- A currency conversion fee of 0% puts E& Money at position 1 of 258 brands ranked on that charge.
- The monthly fee is AED 0 and the annual fee is AED 0, so the account costs nothing to keep.
- Skrill lists a monthly fee of €5, so E& Money is the cheaper account to hold of the two.
- Support runs on phone and help centre, and 79.6% of the brands on the site run a help centre too.
Cons
- The card is prepaid, so the loaded balance is the only spending room available and it can be spent quickly.
- Help runs on phone and help centre, so chat and email are not among the channels listed for E& Money.
- The stated audience is kids, so a business looking for spending cards is in the wrong place here, while business customers make up 61.1% of prepaid brands on the site.
- The account is issued by Digital Financial Service LLC in United Arab Emirates, so it covers a single market and shoppers in the UK or Europe get a card priced outside their own currency.
Who it suits
- Households in AE who want a card for a child, with AED 0 a month to hold and 0% to change currency.
- Travellers from AE who pay abroad often and want the conversion cost kept at 0%.
- Shoppers who would rather earn up to 1% cashback back on everyday spending than pay a monthly account charge.
Who should look elsewhere
- Business customers: the card is aimed at kids, and business customers make up 61.1% of prepaid brands on the site.
- Readers who want account charges set in euros: Skrill lists a monthly fee of €5, while E& Money quotes AED 0 in AE currency.
- Shoppers outside AE, since fees are quoted in local currency, while CrediMax Cardy EX prepaid Visa prices its own card at BHD 0 a month in local currency.
Fees and currency costs
The prepaid card account runs on a monthly fee of AED 0, so holding it costs nothing each month. The charge that matters most is the currency conversion fee of 0%, and it is why a traveller keeps the whole converted amount on a foreign purchase. For scale, the site median for that charge is 1%, the debit card median is 1% and the prepaid card median is 0.4%. On the site's currency conversion ranking, E& Money holds position 1 of 258 brands rated.
Using it day to day
Day to day, E& Money issues a prepaid card, so the money available to spend is the money loaded on the account. Support is listed as phone and help centre, which covers a phone line and a help centre. Most questions on a prepaid account go through one of those routes, and both are common on the site as well: 79.6% of brands run a help centre and 74.4% offer phone support. Chat and email are not in the phone and help centre list, so anyone who prefers typing will not find that channel here.
Who runs it
E& Money is issued by Digital Financial Service LLC, which sits in AE and is regulated there by the UAE Central Bank. The licence sits with the same entity that looks after the account day to day, and customer queries run through phone and help centre, a phone line and a help centre. Fees are quoted in local currency, so the product is built around a single market rather than a wallet spanning several.
How E& Money compares
9.3 vs 9.4
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 9.4
9.3 vs 8.7
9.3 vs 9.2
9.3 vs 9.4
9.3 vs 8.7
9.3 vs 9.3
9.3 vs 8.9
9.3 vs 8.6
9.3 vs 9.2
9.3 vs 8.4
9.3 vs 8.5
9.3 vs 8.8Skrill lists a monthly fee of €5, so readers who want their account charges set in euros have a comparable option, though the running cost sits above the AED 0 charged here.
9.3 vs 9.0
9.3 vs 8.6
9.3 vs 8.3
9.3 vs 9.5
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 8.8
9.3 vs 8.7
9.3 vs 8.5
9.3 vs 8.4
9.3 vs 8.0- 9.3 vs 8.0
Where E& Money is available
- Available
- United Arab Emirates
- Licence in United Arab Emirates
- UAE Central Bank, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does E& Money cost each month?+
The monthly account fee is AED 0 and the annual fee is AED 0, so holding the account adds nothing to a household budget. Spending back comes through rewards rather than a cheaper card. Compared with Skrill, which lists a monthly fee of €5, the E& Money account is the cheaper of the two to hold.
Does E& Money charge for spending in another currency?+
The currency conversion fee is 0%, so foreign purchases keep the whole converted amount at the card. On the site's ranking for that charge, E& Money sits at position 1 of 258 brands. The site median is 1%, so the saving shows on any trip that changes currency.
Who is the E& Money card aimed at?+
The stated audience is kids, and the card is listed as prepaid. That pairing suits a household where an adult opens the account and the card is handed to a younger user, since spending is capped by the balance loaded. Business buyers, who make up 32.9% of the brands on the site, are served better by accounts built for them.
Who runs E& Money and is it regulated?+
The account is issued by Digital Financial Service LLC, which is based in United Arab Emirates. The brand holds a licence from the UAE Central Bank, so the money side of the account sits with a regulated operator in its home market rather than with an offshore name. Support sits with the same operation.
How do I get help if something goes wrong?+
Support is listed as phone and help centre, which covers a phone line and a help centre. Across the site, 74.4% of brands offer phone support and 79.6% run a help centre, so both routes are common. Chat is listed for 35.2% of brands, which is not the arrangement at E& Money.
What rewards does E& Money pay?+
Rewards are up to 1% cashback on a cashback basis, and 45.9% of the brands on the site pay in cashback while 29.7% pay nothing at all. The reward here is a small, predictable return on ordinary spending rather than points tied to a scheme.
Which cards does E& Money offer?+
The card set includes the options listed under virtual card and travel, which covers a virtual card and a travel card alongside the prepaid card in the account. The travel option is the one that fits currency conversion, given the 0% conversion fee on foreign purchases.
Where can I use E& Money?+
The account is built for AE, where Digital Financial Service LLC issues it and quotes fees in local currency. That makes it a single market account rather than a multi-country wallet, so anyone banking outside that market may prefer an account priced in their own currency, such as the JMMB Moneyline and JMMB Money Transfer prepaid card at JMD 0 a month.
Sources
- eandmoney.com checked September 26, 2026
Backs: Card kind, Cashback rate, Headquarters, Rewards rate, Rewards type
“Prepaid cards”
- eandmoney.com/en/cards.html checked September 26, 2026
Backs: Cashback rate, Features, Monthly fee
“Earn up to 1% cash rewards on every purchase - e& money card”
- eandmoney.com/en/home.html checked September 26, 2026
Backs: Card type
“From prepaid cards to international transfers”
- eandmoney.com/en/offers.html checked September 26, 2026
Backs: Audience
“Request a Supplementary Card for your kids now”
- eandmoney.com/en/offers/Card_0_FX_Fees.html checked September 26, 2026
Backs: Currency conversion fee, Legal entity, Support channels, Licences
“no currency conversion fees - e& money card”
- linkedin.com/company/eandmoney checked September 26, 2026
Backs: Annual fee, Pricing model
“no registration fees”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.