🤖How top-ups work at Pemo
Need to load your Pemo account? Here’s exactly what to expect.
Top-ups in Pemo are done through a simple bank transfer from your company’s account to your Pemo Wallet. Once your funds arrive, they’re immediately available for spending through your Pemo cards and managing business expenses.
Important update on top-up times
In February 2025, we upgraded our top-up process to make fund transfers faster and more reliable. If you haven’t updated your transfer details since then, your top-ups may take longer — in some cases, up to 2 business days.
To get the fastest processing times: Make sure you’re using your latest transfer details. Here’s how to find them:
Log in to your Pemo dashboard
Open your Wallet in top right hand corner and go to the Top-Up section
Copy the updated IBAN and account info listed there
Top-Up Timelines: When will my funds arrive?
Your Bank
Transfer Time (During Office Hours – Mon to Sat, before 12pm)
Transfer Time (After Office Hours or Weekends)
Emirates NBD, First Abu Dhabi Bank, Mashreq, Mashreq NeoBiz, RAKBANK, ADCB, WIO, ADIB, Commercial Bank of Dubai, Dubai Islamic Bank, Emirates Islamic, Sharjah Islamic
Within 2 hours
Next business day
Ajman Bank, Al Ahli Bank of Kuwait, Al Khaliji (France), Al Maryah Community Bank, Arab African International Bank, Arab Bank for Investment & Foreign Trade, Bank Misr, Bank of Baroda, Bank of Sharjah, Banque Banorient France, BNP Paribas, Citibank, El Nilein Bank, Emirates Development Bank, Habib Bank AG Zurich, HSBC, Intesa Sanpaolo, InvestBank, MCB Bank, National Bank of Umm Al Quwain, Standard Chartered, United Bank Ltd, Zand Bank, National Bank of Fujairah
Next business day
Up to 2 business days
Any other banks
2–3 business days
Up to 3 business days
What happens behind the scenes?
When you initiate a top-up, your funds go through several secure and regulated steps before they reach your Pemo account.
Step 1: Initiation
Your bank sends the transfer through the UAE Funds Transfer System (UAEFTS).
Instant payments (IPI) are usually credited quickly, pending checks
Bulk or high-value transfers may take 1–2 business days to clear
Step 2: Verification & fund loading
We validate and process the transfers, upon validation your Wallet is topped up, and you’ll be notified right away.
What might cause a delay?
While most transfers are processed smoothly, delays can occasionally occur due to:
Incomplete or mismatched sender details
Compliance reviews or a Request for Information (RFI) from the receiving bank
Transfers made after cut-off times or during non-business days
Public holidays or UAEFTS system downtime
If your transfer was made during office hours and hasn’t been credited within 24 hours, please contact our support team via the app.
Tips for a smooth top-up
To help your funds arrive without delays:
Use your new transfer details listed in your Pemo dashboard
Ensure the sender name and IBAN match your registered company info
Include a clear reference (e.g. “Top-Up – [Your Company Name]”)
Send your transfer before 12pm GST for same-day processing
Summary
Transfers using updated details from major UAE banks arrive within 2 hours during office hours
Delays are more likely with older transfer info or after-hours transactions
You can always access your most up-to-date IBAN via the Top-Up page in your dashboard
Last updated
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