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.
This app has the best customer experience I have come across. The ease of use is almost incomprehensible. Everything gets done quickly and smoothly; the app is meticulously designed, deliberate, simple, and leaves a distinct emotional imprint with its UX. The experience has been so good that I cancelled the account I opened with another prestigious (one of the largest and most reputable) banks in the UAE.Hats off to the Wio team! They really nailed it.
Developer Response
Thank you so much for your wonderful feedback! It’s incredibly rewarding to know that our efforts have made a difference for you.
Extremely Disappointing Experience – Account Frozen Without Explanation
MuhammadSHK
I had been using Wio Bank for almost a year with absolutely no issues and genuinely enjoyed how simple and convenient the app was. Unfortunately, all of that changed about a month ago when my account was suddenly frozen without any explanation.Since then, I’ve called customer support five separate times, and every single time I receive the same vague response: “Sorry, we are investigating.” No one can tell me why my account is frozen, what triggered it, or when it will be resolved. I can’t use my card, I can’t send money, and I’m left completely in the dark.The only time I received any written response from them was after filing a complaint with the Central Bank. Even then, their reply was just another generic “we are working on it.” At least the Central Bank informed me that I should expect a response within 30 business days, which is apparently the timeframe Wio has been given to fix the issue — but it’s extremely frustrating that the bank itself provided no clarity at all.For a digital bank that promotes convenience and transparency, this experience has been the complete opposite. Having your money locked with no explanation and no timeline is incredibly stressful. I can no longer recommend Wio Bank based on what I’ve gone through.
Developer Response
Hello. We apologize for the inconvenience and frustration you've experienced. We're unable to identify you. 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.
Too many updates
Dushe Sam
While the app itself works fine, the updates are too frequent. You cannot use the app realistically, on the go, if the update is coming every 1 or 2 days. Causes a lot of issues esp if on cellular data trying to manage something but app won’t open until you update (again!). Delays work and productivity.Normally apps update after a month or more. Wio, you can do better.Ridiculous.
Developer Response
Hello Dushe. We're really sorry for the inconvenience. We release updates regularly to improve security and performance and introduce new features, but we absolutely take your point onboard. We’ve shared this with our product team to explore how we can make the experience smoother going forward.
Why is Wio good ?
Salama Khalifa Abushahab
Very easy to use and very cool for kids and adults you can customize your own cards and you can have people send you money and the app can help you invest
Developer Response
Thank you Salama for your kind words and enjoying our features.
We've made some improvements to enhance your experience. Thank you for using Wio Personal!
Version 1.63.2
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, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
WIO BANK P.J.S.C
Size
431.4 MB
Category
Finance
Compatibility
Requires iOS 16.0 or later.
iPhone Requires iOS 16.0 or later.
Mac Requires macOS 13.0 or later and a Mac with Apple M1 chip or later.
Apple Vision Requires visionOS 1.0 or later.
Languages
English
Age Rating
4+
4+
This app has an age rating of 4+ with content restrictions. Some content may be rated higher, but access is managed by the developer through in-app controls.
