The digital platform for every investor

Most Frequent queries

I lost my phone, is my information compromised?

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

My account has been blocked, what should I do?

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

My refund is not showing up in my statement, what should I do?

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.

What do I do if I forgot my PIN?

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.

What to do if my card has been captured by an ATM?

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.

Why didn’t I receive my card through international delivery?

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.

Why didn’t I receive an international OTP?

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.

Why is my card blocked?

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.

Why is my card's POS tap function not working?

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.

I transferred funds to my account, but they haven’t appeared yet. What should I do?

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.

Why hasn’t my xCube withdrawal reflected in my iVestor account?”

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.

What is the minimum ATM deposit limit?

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

Can I transfer salary to iVestor?

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

What is 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.

How do I get an iVestor card?

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.

How do I activate the card?

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

Is iVestor free?

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.

What information I need to open iVestor?

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

Is iVestor compatible with Apple Pay?

Yes, iVestor is compatible with Apple Pay.

Can anyone sign up for iVestor?

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.

Is this a credit card?

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.

Can I apply for an iVestor card if I do not own shares in DFM?

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.

Can I withdraw cash internationally?

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.

If I am a representative, can I apply for an iVestor card on behalf of the investor (principal)?

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.

Can we apply for an iVestor card as a Company?

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

Can I start using iVestor before I receive the physical card?

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.

How can I reset my password? Forgot password?

Reset your password with below simple steps:

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

Can I pay bills through the iVestor?

Currently this is not available.

My card is due to expire, how can I renew it?

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.

How can I change my card delivery address?

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

How can I freeze my card?

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.

How can I set withdrawal limits?

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

What is a virtual card?

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.

Can I use a virtual card for in-store purchases?

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

Is there an expiration date for virtual cards?

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 fund a virtual card by transferring money from primary iVestor card.

Are there fees associated with virtual cards?

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

Can I cancel a virtual card at any time?

You can usually cancel a virtual card.

Can I use a virtual card for iVestor to iVestor transfer?

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

Can I use it for IPO subscription?

Yes, you can.

Portfolio

What is the portfolio section on the app?

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.

Can I buy stocks through the app?

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

What is the total investment?

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.

Can I see the historical performance of my portfolio?

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

Saving Goals

What is a saving goal account?

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.

Is it possible to edit or change the target amount or due date for a saving goal?

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

How do I track my progress toward a saving goal?

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

What happens if I miss the due date for my saving goal?

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

Are saving goals in wallet apps interest-bearing?

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

What happens when I reach my saving goal?

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

Can I pause or temporarily stop contributing to a saving goal?

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

How does the round up in saving goal work?

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

Split Bills

What is the 'Split Bill' feature in the app?

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.

How do I split the bill?

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.

Can I split bills with people who don't use iVestor?

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

How do I settle a split bill after dividing the expenses?

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

Can I review the history of split bills within the app?

Yes, transaction history on the app includes split bills.

What if someone forgets to pay their share of the split bill?

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

Can I split bills for online purchases or only for in-person transactions?

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

Can I split bills with people from different countries?

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

What happens if someone cancels their payment for a split bill?

You can follow up with them directly.

Can I split bills for shared transportation, like rideshares or car rentals?

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

Transfers (iVestor)

What should I do if I did not receive a transfer to my iVestor account?

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

What is my transfer transaction limit?

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.

How do I transfer money to my iVestor account from another bank account?

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

How can I transfer domestically?

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.

How long will it take to transfer to other domestic accounts?

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

How can I transfer internationally?

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.

Will I receive all my dividends through my iVestor card?

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

iVestor Card

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

Fund deposit into iVestor

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

Card Transactions

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

Fund transfer from iVestor

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

Statement

Monthly email statement or app

Free

Virtual Card

Up to 3 virtual cards

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

Trading with iVestor

Is iVestor a broker?

No, iVestor is not a broker. It facilitates order placement and account management, but execution is done by the partner broker (currently xCube).

Who executes the trades placed on iVestor?

All trades are executed by the partner broker. Currently, xCube is the sole partner, with more brokers to be added soon.

What markets can I view in the Market Watch?

Currently, only securities listed on the Dubai Financial Market (DFM) are viewable.

What does the performance graph represent?

The graph shows the real-time index performance with selectable time ranges: weekly, monthly, or yearly.

How many Watchlists can I create?

There is no visible limit. You can organize Watchlists by categories like “Favorites,” “Growth Stocks,” or “Dividend Payers.”

What is the “Top Movers” feature?

It shows the top gainers, losers, and high-volume stocks, helping you spot market trends quickly.

How do I use the Watchlist?

Use the search bar to find a stock and click to add it to your Watchlist for easy tracking.

What kind of news updates are available?

Real-time updates from DFM, including general market news, regulatory updates, and corporate disclosures.

What are “Upcoming Corporate Actions”?

They include dividends, IPOs, mergers, acquisitions, and more—helping investors prepare for key events.

What are “Indices” in the Explore tab?

Indices represent groups of stocks. They help you compare individual stock performance with the broader market.

Can I search for specific stocks or sectors?

Yes, use the search bar in the Explore tab to find securities listed on DFM.

How can I view corporate action details?

Tap the file icon next to the event to view related documents like agendas or official letters.

Can I set reminders for corporate actions?

Yes, use the calendar icon to add event reminders.

What types of orders can I place on iVestor?

• Market Orders: Executed at current market price.
• Limit Orders: Executed at a specific price you set.

Where can I place trades?

From the main navigation "Trade" button, the company page, or your holdings in the Wallet tab.

What happens if I see a “restricted screen” while trading?

• Likely due to missing or expired documents. Contact support@xcube.ae.
• If your xCube account has been upgraded to a margin account, trading through iVestor is currently restricted.

How do I sell shares held in CSD or with another broker?

You need to transfer them to the partner broker (xCube) before placing a sell order.

Where can I view my trading and transaction history?

Go to “Activity History” in the Wallet tab or company page to view: ,

• Open orders
• Order history
• Transaction statements for your Trading Fund account

Where do I see the stocks I bought?

Check the Holdings section in the Wallet tab or within your trading account overview (xCube).

Why is the estimated price different from the market price during order placement?

The app estimates at the upper limit of the price to account for volatility. The actual execution price is confirmed after placement.

What is a “Trading Fund Account”?

A dedicated account within iVestor used exclusively for trading. You can deposit from your iVestor card and withdraw funds based on available balances.

Can I open an account with brokers other than xCube?

Not yet. iVestor is working to onboard more brokers.

What does the Wallet tab show?

A consolidated view of your:

• Trading Fund Account
• iVestor card balance
• Securities portfolio
• Saving goals
• IPO subscriptions

Apple Pay

What is 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.

How does Apple Pay work?

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

How secure is Apple Pay?

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.

How to pay using iPhone or Apple Watch?

1. 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.
2. To pay with your Apple Watch, double-click the side button and hold your Apple Watch up to the card reader.

How to set your card as your default card in Apple Wallet?

1. 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.
2. 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.

Can I continue using Apple Pay if my physical debit or credit card has been replaced?

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.

Can I add my virtual cards to apple pay?

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

How can I remove my iVestor Card from 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.