The digital platform for every investor

Instantly access your dividends, invest in IPOs, track your portfolio and manage your spending effortlessly.

Ready to achieve your financial goals? Download the app now.

Meet the all new iVestor

Get the most out of the app that focuses on what matters most to you.

Invest in IPOs

Stay ahead of the curve with the ability to subscribe to fresh IPOs.

Portfolio

Gives a snapshot of your current securities with DFM and its market value. You can monitor the changes to your portfolio on a daily basis with an interactive chart.

Transfer easily

Send and receive money between iVestor friends and banks in just a few taps.

Start young

Introduce your minors to responsible spending habits by giving them access to a card that enables them to spend and save money.

Saving goals

Create saving goals with automation actions based on recurring instruction, roundups on spends or using your dividends to define your goals.

The preferred card to trade in XCube

The XCube trading app connects easily to your iVestor app, so you can transfer funds and start investing immediately.

Spend safely

Control countries, categories, spending limits, and more with customizable security settings.

Track spending

View card balances and transaction history in your home feed

Stay connected

Send payments to friends with a message, your favorite emojis and even live animations: cue the confetti!

Top-up flexibly

Add money to your iVestor card however you’d like: IBAN transfers and ATMs.

Virtual cards

Track & manage spending with virtual cards. Apply up to two virtual cards.

Split bills

Request & accept money from friends based on bill amounts. Upload receipts for easy sharing.

Introducing Apple Pay for your iVestor card!

With our Apple Pay integration, you can now enjoy seamless and secure transactions using your iPhone or Apple Watch. Simply add your iVestor card to your Apple Wallet, and you’re ready to go!

More Info

Frequently Asked Questions

Quick Access

Most Frequent queries About iVestor Virtual Cards Portfolio Saving Goals Split Bills Transfers (iVestor) Card Charges Apple Pay

Most Frequent queries

: If you lost your phone, please contact our customer service at 04 305 5555 immediately.

: Please contact DFM customer support team on 04 305 5555 or email us on support@iVestor.ae.

: It can take up to 2-3 business days to reflect the amount in your account. Beyond that please email us on support@iVestor.ae.

: You can renew this immediately by entering the new pin under the card settings, Card settings- change pin- Enter a new pin – Enter pin again- OTP to confirm your new pin- new pin saved.

: Login on the app, tap on the card, select “cancel card and request a new one” and choose “ATM took the card” as the reason and request a new one.

: Due to regulatory restrictions, iVestor cards cannot be delivered to the following countries: Vietnam, Iran, Somalia, Egypt, Russia, China, Belarus, South Korea, Sudan, Syria, Afghanistan, Australia, India, and Ukraine. We apologize for any inconvenience this may cause.

: Currently, SMS services are not available for international numbers. Rest assured, we are actively working to resolve this issue and expect to restore the service for our customers soon.

: Your card may have been temporarily blocked. Please follow the instructions provided to resolve the issue. If further assistance is needed, don’t hesitate to reach out to us.

: For security purposes, your card needs to be inserted or swiped at a point-of-sale (POS) terminal for the first transaction before the tap feature can be activated.

: Funds may take up to one business day to appear in your account. If you do not see the funds within two business days, kindly provide proof of the transfer, and we’ll assist you further.

: Please ensure you have downloaded the new iVestor app, available on the App Store or Google Play. If the withdrawal doesn’t reflect after two business days, kindly report the issue to us for further investigation.

: The minimum limit for deposit using Emirates NBD’s ATM/CDM channel is AED 100.

: Your iVestor is a VISA prepaid card designed specifically for receiving dividends and deposits from your own account. Please note that it’s not meant for salary payments, so any salary-related bank transfers will be rejected.

About iVestor

: iVestor is a digital platform, an evolution of the iVestor prepaid card, that offers a range of features to track your dividends, securities portfolio, IPO offering, and makes spending more accessible, efficient, and engaging. You need an active primary card to be able to enjoy the features.

: New user:

Download the iVestor app (available on iOS and Android)
Launch the app.
Once you are directed to the welcome screen, create your account in a few easy steps. You will need your Emirates ID on hand if you are a UAE resident, or a passport if you are not a resident.
You are in! Explore the app while you wait for your card to be delivered in 4-5 business days within UAE and 15 business days internationally.
Existing DFM user:

Download the iVestor app (available on iOS and Android)
Launch the app
Login with your DFM account credentials
Forgot your password? Tap “forgot password” and follow the steps to login.

: Through the app

Login to your iVestor app, and click the card tab
Provide the last 4 digits of card number and expiry date

Call Customer Service

Land line: 043055555
Select option 3
Select option 1
Enter your 16 digit card number

: Yes, iVestor is free to download and use without any fees. You do not require a minimum salary or need to maintain a minimum balance to create an iVestor account.

: UAE Resident

Active UAE mobile number
Email ID
Valid Emirates ID
Current Address in the UAE

International

Active country of residence mobile number
Email ID
Valid passport
Address

: Yes, iVestor is compatible with Apple Pay.

: To sign up, you must be 18 years of age or above. For a member below 18, a guardian can simply apply for the iVestor card in your name.

: No, the iVestor card is a unique “pre-paid” debit card, credited with funds including any dividends from DFM listed companies and cash “top-ups” in order to make cash withdrawals and purchases from anywhere in the world accepting VISA.

: Yes, you can still apply for the iVestor card, in fact we encourage you to onboard to iVestor, apply, activate and use the card, and get familiar to become an investor in future.

: Yes, the iVestor card is also a cash card. You can withdraw from the credit balance on your iVestor card from any VISA or PLUS marked ATMs* worldwide. The respective forex rates apply.

: This is possible provided the investor’s representative presents a duly authenticated Power of Attorney in which it states a clause authorizing the representative to apply for an iVestor card on behalf of the investor.

: The iVestor card is only applicable for individuals and sole proprietorship.

: Yes, you can send and receive funds between iVestor friends using your account. More features will be unlocked once you receive the physical card. Then you must have an at least one active card to enjoy the features.

: Reset your password with below simple steps:

Navigate to account settings
Tap on account
Tap on password
Create your password

: Currently this is not available.

: If you have been active user of iVestor, the card will automatically be renewed and delivered to the address provided. If the card has not been used for more than six months, the card will not be renewed and shall be cancelled. You will need to contact the support for renewal and access the features.

: You can update your delivery address prior to your card expiry date by a pop up notification.

: When you login, select the card and tap on “freeze card”. A frosted feature will appear on your card to indicate it has been frozen.

: Tap on the card then select “modify security”, here you will find the limit sections, where you can set the limit for withdrawal.

Virtual Cards

: A virtual card is a digital only VISA card that exists only in electronic form and can only be used for online or remote transactions.

: Yes, through apple pay and google pay which will launched soon!

: Yes, virtual cards typically have an expiration date of 5 years by default and investors can delete the card anytime once the purpose is accomplished.

: You can fund a virtual card by transferring money from primary iVestor card.

: You can have 1 free virtual card. Up to 2 additional virtual cards can be provisioned at a fee.

: You can usually cancel a virtual card.

: It is only available to primary iVestor card of the recipient.

: Yes, you can.

Portfolio

: The portfolio section is a feature that allows users to manage and track their investments in stocks of listed companies in DFM. The portfolio section typically displays details about your stock holdings, including stock names, quantities, current market values, and performance metrics.

: No, you can only have a view of your total investment and portfolio, of DFM listed company’s stock.

: The total investment calculates the sum of your portfolio and saving goals. The interactive chart shows the trend of the market value of your portfolio in time.

: You can see historical performance charts and data for your portfolio from 2015 onwards.

Saving Goals

: A saving goal in iVestor is a specific financial target you set for yourself, such as saving for a vacation or a new gadget. You can start saving toward your goals on iVestor. Using 3 options such as an automatic transfer from your main account to your saving goals, round ups options from POS and dividends to be transferred to saving goal.

: currently you cannot edit or adjust the target amount and due date of your saving goal.

: You will be able to see a progress tracker that shows how close you are to reaching your saving goal.

: The goal is incomplete; however, funds will keep on being added to the saving goal.

: There is no interest, or any fee associated with saving goal accounts.

: When you reach your goal, you can typically mark it as completed and access the funds for your intended purpose.

: You can pause or adjust your contributions to a saving goal as needed.

: any time you make a POS transaction the rounded-up amount will be moved to your saving goal.

Split Bills

: The 'Split Bill' feature allows users to divide expenses among multiple people when sharing costs. You can create a group with people you want and start splitting bills equally or not.

: To split a bill, open the app, select the transaction, choose the "split bill" option, and select the names or contact details of the people involved, next you can decide on the amount for each person and split the bill. You can customize the split by entering individual amounts or percentages for each participant based on their share of the expense.

: You can send them the request and they’ll receive it via SMS, to onboard to iVestor and continue with the payment.

: The users will receive the request on their iVestor app and they have option to accept and pay by their iVestor or decline.

: Yes, transaction history on the app includes split bills.

: You can send reminders through the app or manually record their contribution as unpaid.

: You can split bills for both online and in-person POS transactions.

: Typically, you can split bills with anyone, but ensure they are willing participants and preferably part of the iVestor eco-system.

: You can follow up with them directly.

: Yes, you can split expenses using the app's split bill feature, if the payment was made iVestor VISA card.

Transfers (iVestor)

: Bank account fund transfer may take time to be received or contact support.

: For iVestor-iVestor and bank transfers the daily limit is AED 50,000.
For top-up to xCube, the daily limit is AED 150,000.

: Top up your iVestor account via bank transfer using your iVestor IBAN details and choosing beneficiary bank as Emirates NBD.

: Through the app send funds > bank account > input the IBAN or SWIFT. Domestic (UAE) transfers are available with a fee of 2.10 AED for any local banks except for ENBD, EIB and Liv accounts.

: It can take up to 24hrs. depending on the cut off times of Central bank of UAE.

: Through the app select: send funds > bank account > input the IBAN or SWIFT and it will automatically detect the country. International transfers are available with a fee of AED 42 and beneficiary’s bank and exchange rate fees may be deducted from the entered amount.

: Dividends will be deposited to your iVestor card account only for listed companies who decide to distribute dividends using DFM as the paying agent.

Card Charges

: IBAN Account & Debit Card

Free

Balance Requirement

No Minimum Balance

Card Issuance

Free

Account Closure

No charge

Card Replacement

No charge

Card Re-delivery

AED 35.00

: Cash Deposit at ENBD ATM

Free

Cash Deposit over the counter in Emirates NBD branch

Free

iVestor to iVestor Transfer

Free

Online Banking

AED 2.00

: Cash Withdrawal at ENBD ATM

Free

Cash Withdrawal at any UAE ATM (Other than ENBD Bank ATM)

AED 6.00

Cash Withdrawal at International ATM

AED 25.00

Balance Inquiry at ENBD ATM

Free

POS Transactions within UAE

Free

E-Commerce Transactions

Free

: Local outward transfer

AED 2.10 bank charge

International Outward transfer

AED 42.00 bank charge + recipients’ bank may have their own charges

: Monthly email statement or app

Free

: Up to 3 virtual cards

1 card free, One time fee of AED 15 per additional card

Apple Pay

: Apple Pay, is a mobile contactless payment solution that enables customers to make in-store, in apps, and on the web purchases with select Apple devices. You can use Apple Pay everywhere contactless payments are accepted.

In stores, you can use Apple Pay on your iPhone or Apple Watch. Within apps, you can use Apple Pay on your iPhone, iPad, and Apple Watch. Within websites in Safari, you can use Apple Pay on your iPhone, iPad, and Mac.

: Apple Pay uses Near Field Communication (NFC) to make contactless mobile payments.

: Apple Pay protects your payment info with multiple layers of security, using one of the world's most advanced security infrastructures to help keep your information safe. When you use your phone to pay in stores, Apple Pay doesn't send your actual credit or debit card number with your payment. Instead, a virtual account number is used to represent your information - so your card details stay safe.

: To pay with Face ID, double-click the side button, glance at your screen, then hold your iPhone near the card reader, with your finger on Touch ID.
To pay with your Apple Watch, double-click the side button and hold your Apple Watch up to the card reader.

: Open the Apple Wallet app on your iPhone, touch and hold down on your iVestor card to drag it to the front of your cards.
Open settings on your iPhone and tap ‘Wallet & Apple Pay”, Go to “Transaction Defaults” and tap on ‘Default card, the change will be notified with a tick sign.

: If your old card was blocked when you placed a request for replacement, you’ll need to activate and enroll your new card to continue using Apple Pay.

: Yes, you can. Follow the same steps to enroll virtual Card into Apple Pay.

: On iphone:

In the Wallet app, tap the card that you want to remove.
Tap the More button , then tap Card Details .
Scroll down and tap Remove Card.

On Apple Watch

On your Apple Watch, tap the Wallet app.
Tap the card that you want to remove.
Scroll down and tap Remove.

Get Started

Simplify your financial management via iVestor.

IBAN Account & Debit Card	Free
Balance Requirement	No Minimum Balance
Card Issuance	Free
Account Closure	No charge
Card Replacement	No charge
Card Re-delivery	AED 35.00

Cash Deposit at ENBD ATM	Free
Cash Deposit over the counter in Emirates NBD branch	Free
iVestor to iVestor Transfer	Free
Online Banking	AED 2.00

Cash Withdrawal at ENBD ATM	Free
Cash Withdrawal at any UAE ATM (Other than ENBD Bank ATM)	AED 6.00
Cash Withdrawal at International ATM	AED 25.00
Balance Inquiry at ENBD ATM	Free
POS Transactions within UAE	Free
E-Commerce Transactions	Free

Local outward transfer	AED 2.10 bank charge
International Outward transfer	AED 42.00 bank charge + recipients’ bank may have their own charges