Wio Personal 4+

See, manage, grow your money

WIO BANK P.J.S.C

Designed for iPhone

    • Free

iPhone Screenshots

Description

Open your Wio Personal account in minutes. Save, spend, borrow, manage, and invest- all in one place.
Spend without borders, anywhere. Free multi-currency accounts in AED, USD, EUR, and GBP.
Turn your savings into earnings. Get up to 6% interest per annum when you sign up for the Wio Personal 'Salary' Plan or up to 4.75% interest per annum when you sign up for the Wio Personal 'Plus' Plan.
One card for debit and credit. Seamlessly switch spending modes, all with the same card.
Get rewarded for spending. Earn up to 2% cashback up to 2500 AED/month on all* credit spends with Wio Credit.
Cashback, your way. Choose to receive it in your current account, saving space, or invest it in selected stocks.
Travel smart, spend smarter. No foreign exchange fees + 1% cashback on your international debit transactions.
Move money, minus the hassle. Transfer to 100+ countries with instant currency exchange at highly competitive rates.
Instant card, instant access. Use your Wio card online immediately-add it to Apple Pay or Google Pay.
Physical card? Order anytime.
Virtual cards, real control. Customize your design, set spending limits, and shop securely online or in-store.
Access 3,000+ stocks, ETFs, crypto and more-all in one secure platform.
Crypto, simplified. Buy & sell directly from your AED account-no detours, no delays.
Be IPO-ready. Apply instantly for UAE public listings and boost your share allocation with up to 5x leverage.
Security that works for you. Set controls on where and how you spend, backed by powerful encryption.

What’s New

Version 1.42.0

We've made some improvements to enhance your experience. Thank you for using Wio Personal!

Ratings and Reviews

4.8 out of 5
4.6K Ratings

4.6K Ratings

Vicomte_V ,

Perfect bank.

I already used WIO for Business. Really good Bank. And now personal with 6% interest not blocked amazing. Is even better than Neo Bank I used in Europe like Revolut or N26 because this one is easy well made with interest and possibilities to invest in IPO.

The only things who can be even better is getting Card who have different cash back depending on the spend for exemple 3% for DEWA etc… And why not special offer when we are costumer of Etisalat.

Developer Response ,

Thank you for such a great review! We take pride in the quality of the services we provide, we aim to offer you a seamless banking experience. ❤️

Kunstlerischerleiter ,

Lukewarm customer experience

I applied for Wio Personal over a month ago and since then, my application has been stuck in a sort of limbo, listed as "Under Review" with no further updates or feedback from the team. This has been particularly frustrating for me, as I have been a loyal user of Wio Business for my company for over six months.

I had higher expectations for Wio, given my previous experience with their business service. However, the lack of communication and the seemingly endless wait for application approval have made this an incredibly disappointing experience. It's disheartening to see that Wio Personal doesn't seem to maintain the same standard of customer service and efficiency that I have come to expect from their business offering.

Would I recommend Wio Personal based on this experience? Unfortunately, no. I hope the team takes note and works on improving their application and review process for future customers.

Developer Response ,

We would like to begin by expressing our sincere apologies for the disappointing experience you've encountered during your application process for Wio Personal. Your feedback is invaluable to us, and we genuinely appreciate you taking the time to share your concerns. We appreciate your loyalty to Wio Business and understand the expectation of a similar level of service with Wio Personal. Rest assured, we are committed to ensuring that all our customers, regardless of the service they use, receive the same high standard of customer service and efficiency.
If you would like to discuss your application or have any further questions or comments, please don't hesitate to reach out through our social media channels, or reach out to our Wio care team at 600 500 946 or via E-mail at care@wio.io.

Hera 33 ,

Not happy

I had a very disappointing experience with WIO Bank. I tried multiple times over several months to open an account through their app, but my application was repeatedly rejected without any clear explanation—just a vague reference to “internal policy.” Each time, I was simply told to try again after 3 months.

This happened three times, and when I reached out for help, I received no meaningful support or clarification. It’s frustrating to go through this process repeatedly without transparency or accountability.

I expected better customer service and clearer communication from a digital bank. Unfortunately, based on my experience, I wouldn’t recommend using this app or relying on WIO Bank for your banking needs.

Developer Response ,

Hello - We apologize for the inconvenience and frustration you've experienced. We're unable to identify you to help you further. We'd like to kindly ask you to share your contact details via DM through Facebook, Instagram, or X so that we can help you.

App Privacy

The developer, WIO BANK P.J.S.C, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More

Supports

  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

More By This Developer

You Might Also Like

HSBC UAE
Finance
Liv X - Mobile Banking App
Finance
AECB CreditReport
Finance
Mbank UAE
Finance
ENBD X
Finance
RAKBANK App
Finance