Learn how to sign up, activate, and start using the Mamo card for convenient and secure transactions, rewards, and savings.

Updated over a week ago

About the Mamo Card

The Mamo Card is a versatile debit card that helps you stay on top of your finances with ease. It is linked to your Mamo Business balance. Perfect for online or in-store purchases and ATM withdrawals.

Cards per plan


No. of FREE Cards

Cost per additional card


1 Free Card

AED 19 / month


3 Free Cards

AED 12 / month



AED 0 / month

Based on your business plan, you will always have a fixed number of free cards allocated to your account. For instance, if you are subscribed to the Premium plan and have been assigned 3 free cards but deactivated one of them, you can still replace it for free, maintaining your total number of free cards at 3.

Getting started with the Mamo Card

Verification and activation

You’ll need to complete two types of verification: one for your business, its beneficial owners (KYB), and, if applicable, directors, and another for new cardholders (KYC). It is important to note that only licensed businesses are eligible for the Mamo card.

KYB verification requirement

  • Existing business documents

    • All existing business documents provided at the time of setting up your Mamo business account must be valid and up to date.

  • Country of birth

    • The country of birth of each UBO (ultimate beneficial owner) and director present on your business license and/or MOA provided in free text.

  • Residential address

    • The residential address of each UBO and director present on your business license and/or MOA provided in free text.

KYC verification requirement

  • Emirates ID

    • Cardholders must have a valid Emirates ID.

Please keep in mind that in certain cases, additional documentation or information may be requested to successfully complete the verification process.

Sign up

  • Log into the dashboard.

  • Select Cards from the left-hand menu.

  • Select Sign up for Card.

  • Enter your business owner's(s') details and registered business address.

  • Enter your estimated spend volume per month.

  • Accept the terms and conditions and select Continue.

Create a Mamo Card

  • Log into the dashboard.

  • Select Cards from the left-hand menu.

  • Choose your card type, and set your card details.

    • If creating a new card for a new user:

      • Enter their first and last name according to their Emirates ID

      • Enter their contact details and card name

      • Select Verify Identity

      • Scan both sides of the new user’s Emirates ID and select Upload

    • If creating a new card for an existing user:

      • Select the user

      • Enter their contact details

    • If creating a physical card

      • Enter the delivery address and phone number of the receiver

  • Select Create card

Activate a Mamo Card

Activate a virtual card

  • For a new user

    • After document submission, it takes 2 business days to complete the KYC verification and activation process for new users.

  • For an existing user

    • Any additional card issued to the same user is instantly activated

Activate a physical card

  • For a new user

    • After document submission, it takes 2 business days to complete the KYC verification.

  • For an existing user

    • Any additional card issued to the same user does not require KYC verification.

Once the KYC process is successful and your card is delivered, you can go ahead with the following steps to activate the card.

  • Login into the dashboard

  • Select Cards from the left-hand menu

  • Select Activate card on the verification banner of your dashboard or navigate to the specific card.

  • Create your 4-digit PIN, and then click on the Create Pin button to activate the card.

Card delivery

You can expect delivery of the physical card by Aramex within a maximum of 3 business days after KYC is completed. You will receive notifications and updates about the delivery of your card via SMS or WhatsApp, so you can stay informed and anticipate its arrival.

Using the Mamo Card


Depending on the merchant, authorization can be done through an OTP code sent to the cardholder’s phone number or email address or a PIN code might be requested for in-store purchases.


Usually, top-ups are as quick as a flash, but on rare occasions, it may take up to 24 hours for your Mamo Card balance to reflect the updated amount.

Only team members with roles set as owners or card admins can top up and see the overall card balance. Other users will only be able to see their assigned card balance.

Currently, the only method available for topping up is with your Mamo Business balance.

Use the following steps to top up your card balance

  • Log into your dashboard

  • Select Cards from the left-hand menu

  • Enter the amount you’d like to top up

  • Select Add funds


The Mamo Card can be used to make online and in-store purchases worldwide. It can also be added to virtual wallets such as Google Pay and Samsung Pay.

Customers will need to have either Google Pay or Samsung Pay enabled on their respective devices. Here’s a guide on setting up Google Pay or Samsung Pay.

In the near future, it will be possible to link your Mamo Card to Apple Pay. Stay tuned for updates on this upcoming feature.

Purchase notifications

You will receive notifications regarding your successful and declined purchases. You can view these updates in the card transactions section of your dashboard and also receive them via email.


Is there a charge to withdraw cash from an ATM?

When withdrawing money from any ATM in the UAE, there are no charges. But if you use an ATM outside the UAE, a fee of AED 20 will be applied.

Are there any limits to withdrawing money?

There are no limits on the amount you can withdraw. However, it’s important to note that you can only withdraw the balance on your Mamo Card and not directly from your Mamo Business account balance. Therefore, you should ensure your Mamo Card is sufficiently funded before attempting to withdraw any funds.

I did not receive the correct amount of cash from the ATM

Please follow the steps outlined in the Disputes article to fill out a chargeback form with all the necessary details about the ATM and the transaction.

My card is retained by an ATM

If your card becomes stuck in an ATM, it is important to deactivate it immediately from the cards section of your dashboard. Once deactivated, you can proceed to create a new card from the same dashboard.

Occasionally, an ATM may retain a card due to factors outside of Mamo’s control, factors such as technical difficulties or being out of service. In case you would like to know why your card was held, we recommend reaching out to the ATM provider for more details.

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