Wio Personal

Name: Wio Personal
Rating: 4.8 (588 reviews)
Author: WIO BANK P.J.S.C

See, manage, grow your money

Only for iPhone

Free · Designed for iPhone

588 Ratings
Ages

4+
In-App Controls
Category

Finance
Developer

WIO BANK P.J.S.C
Language

EN
English
Size

328.2
MB

iPhone

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.

Ratings & Reviews

4.8

out of 5

588 Ratings

Flawless app with best CX
07/17/2024

AlessandroSainiMusic
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.
Flawless app with best CX
07/17/2024

AlessandroSainiMusic

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 07/18/2024
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
12/11/2025

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.
Extremely Disappointing Experience – Account Frozen Without Explanation
12/11/2025

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 12/15/2025
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
12/25/2025

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.
Too many updates
12/25/2025

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 12/29/2025
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.
Great user interface
Jan 14

Amoacatu
App is easy to use and i havent experienced any bugs or issues so far

Developer Response
Thanks for the feedback and rating.
Great user interface
Jan 14

Amoacatu

App is easy to use and i havent experienced any bugs or issues so far
Developer Response Jan 16
Thanks for the feedback and rating.

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

Version 1.57.1

3d ago

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

Information

Seller
Size
Category
Compatibility
Languages
Age Rating
Copyright

Developer Website

Privacy Policy

Supports

Wallet

The simplest way to get all your passes in one place.

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Wio Personal

See, manage, grow your money

Ratings & Reviews

What’s New

Version 1.57.1

App Privacy

Data Used to Track You

Data Linked to You

Data Not Linked to You

Accessibility

Information

Supports

Wallet

More by WIO BANK P.J.S.C

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