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AI-powered business account that works or you

Smart corporate cards, receipt collection, AI-powered accounting, and more. All in one place. For businesses of all sizes.
Open an account

Meet Pemo's AI-Powered Business Account:
The account that does the work for you

Wakala

Earn up to 3.75% expected annual profit on your cash with no lock-in period

Earn up to 3.75% expected annual profit on the money sitting in your account. Your cash grows while you focus on running your business. Terms and conditions apply.

  • Earn profit on your parked cash and liquidate whenever you need, with no long-term lock-in periods
  • Start with a minimum deposit of AED 5,000 and invest up to AED 5,000,000
  • Top up your account at any time with no restrictions
Payments

Send and receive payments fast

No more juggling between different accounts to pay and get paid. Our business account helps you manage all local payments from one place.

  • Automate your bill payments with ease. Our system processes invoice details automatically so your team never has to enter anything manually
  • Get full visibility into your accounts payable so your team always knows the status of every payment without needing to follow up
  • Suspicious payment activity is detected and flagged in real time before it becomes a problem
  • Pay all your invoices in one click
Fraud detection

Catch fraud before it happens

You don't need to worry about incorrect payments or fraud. Our system validates every invoice against the purchase order to make sure everything is correct before a single dirham moves.

  • Invoice-to-PO validation on every payment automatically
  • AI agents scan transactions and vendor data in real time for anomalies
  • Threats are automatically flagged for your team before they become problems
37,500/year
ESTIMATED EXPECTED ANNUAL PROFIT
AED 10,000Total BalanceAED 10,000,000

Displaying estimated expected profit at 3.75% annual rate with no lock-in period.

TOTAL BALANCE1,000,000
ESTIMATED ANNUAL PROFIT37,500
ESTIMATED MONTHLY PROFIT3,125
Start earning today

Estimated returns are indicative only. Actual profits may vary based on market conditions.

Have questions?

What is Pemo Financial OS?

Pemo Financial OS is an all-in-one finance platform combining AI agents, automated bill pay, fraud protection, and Sharia-compliant cash returns in a single product. Built for MENA businesses who want to run their entire finance function — from payments to insights — without the manual overhead of traditional tools.

How is this different from what Pemo offered before?

Pemo started as a corporate card and expense management tool. The Financial OS builds on that with AI agents that answer financial questions, automate accounts payable end-to-end, detect fraud before funds move, and generate returns on idle cash. The same trusted platform — now doing far more of the work for you.

Is it secure and compliant for use in the Middle East?

Yes. Pemo is regulated by the CBUAE, with all data stored in-region in full compliance with the UAE Personal Data Protection Law (PDPL). Our card issuing infrastructure is PCI-DSS certified, and the Wakala product follows AAOIFI Sharia standards.

Does our finance team lose control?

Not at all. Pemo's AI agents augment your team — they surface insights, flag anomalies, and handle routine tasks. Every payment, approval, and action is fully auditable. Your finance team sets the rules, approves exceptions, and retains complete authority.

What size company benefits most?

Pemo is built for growing MENA businesses — typically 10 to 500 employees who have outgrown manual expense tracking and basic banking but haven't yet scaled to enterprise ERP complexity. Customers span retail, logistics, professional services, tech, and hospitality across UAE and KSA

How long does it take to get started?

Most companies are live within one week. KYB typically completes in 2–3 business days, cards are issued the same week, and our onboarding team walks you through setup step by step. Pemo Agents and Bill Pay are available the moment your account is activated — no lengthy implementations or IT dependencies.

Get a business account that works for you

Apply to open an account today that works for you while growing your cash.
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Copyright © 2026 Pemo | All Rights Reserved
The products and services mentioned on this webpage belong to Pemo Payments Service Provider L.L.C., a private limited company incorporated in the United Arab Emirates with registered number 1081638 and registered address at office no. 09-124, 8th & 9th Floor, The Office 4, We Work, One Central, Dubai World Trade Centre, Dubai, United Arab Emirates. Pemo is a financial technology provider, not a Bank. Pemo does not offer or provide any banking or financial services through itself or affiliated entities. Only the Pemo card is issued by Nymcard Payment Services LLC, pursuant to license by Mastercard/Visa. Nymcard Payment Services LLC is authorized by the Central Bank of The UAE, holding the Retail Payment Services and Card Schemes license in accordance with the Decretal Federal Law Bo. (14) of 2018 regarding the Central Bank & Organization of Financial Institutions and Activities, and Regulatory Framework.