One account for
everything money
Open a free Emaal account in minutes. Send, spend, save and invest — all from one beautifully simple app, with no hidden fees.
Everything you need, nothing you don't
Your Emaal Personal Account comes loaded with powerful features designed around how you actually live and spend.
Virtual & Physical Cards
Get a Mastercard debit card instantly. Create unlimited virtual cards for online shopping with one tap.
Instant Money Transfers
Send money to anyone, anywhere in seconds. Emaal to Emaal transfers are always free and instant.
Multi-Currency Pockets
Hold and exchange 30+ currencies at the real exchange rate with no markups on weekdays.
Spending Analytics
See exactly where your money goes with automatic categorisation, weekly summaries and spending insights.
Split Bills & Requests
Split any bill in seconds. Send payment requests to friends or groups with a single tap.
Bank-Level Security
Freeze your card instantly, set spending limits, enable 3D Secure and get real-time fraud alerts.
Open your account in 3 steps
Download the app
Get the Emaal app from the App Store or Google Play — it takes under a minute.
Verify your identity
Take a quick selfie and snap your ID. Our AI verification approves you in seconds.
Start using Emaal
Your account is live. Add money, order your card and start spending smarter.
You're always in control of your money
Every setting is in the palm of your hand. From freezing your card to setting daily limits, Emaal gives you granular control that no traditional bank can match.
- Freeze & unfreeze your card instantly
- Set daily, weekly or monthly spending limits
- Block specific merchant categories
- Instant push notifications for every transaction
- Manage multiple cards from one dashboard
Start free, upgrade when you're ready
Every Emaal plan is built on the same powerful account. Pick the one that fits your life.
The essential Emaal account — fee-free spending, instant transfers and a physical card.
Learn moreEverything in Standard, plus commission-free stock trading, cashback on spending and more.
Learn moreExclusive metal card, priority support, lounge access and unlimited currency exchange.
Learn moreLoved by millions of customers
"Emaal completely changed how I handle money. I opened my account in 2 minutes and had my card the next day. The exchange rates are genuinely the best I've found."
"I travel for work every month. Emaal saves me a fortune on currency fees. The app is slick, support is fast and I've never had an issue."
"Sending money home used to take days and cost a lot. With Emaal it's instant and almost free. My family loves it too."
Ready to join 50 million+ Emaal customers?
Open your free personal account today. No paperwork, no queues, no nonsense.
Open your free account