Wio Personal

Wio Bank PJSC

About this app

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 and reviews

Edited to one star. They have released a new feature but it doesn't work. So I am not able to use my card to make any payments. The one thing I need a card to do. Very frustrating. The app itself works well, but there are too many hidden fees. Things are advertised as "fee-free" but are then so convoluted and hidden that they still charge you fees anyway. I've been charged aed1000 through these fees over the past few months and it's really irritating

Absolutely untrustworthy application! I've been banking in the UAE for over 15 years and never faced any issues with refunds from merchants but with Wio, the refund process was a horrendous nightmare! Merchant refunded the amount on 19/3/26 wio rejected it. Merchant tried again on 27/3/26 wio rejected it again and then claims they amount has been received but on the Woo app the transaction clearly shows CANCELLED and it's been 1 month, still unresolved!

Everything was fine until I tried to open a family account. I contacted support via WhatsApp; a case was opened but not resolved. After follow-ups, another case was opened and later closed as “resolved” even though the issue remained. Agents said they could not reopen or escalate it, and one even said her shift had ended and she wanted to leave. The app is good, but the customer support is very poor and unprofessional. Reference case ID 519361, 530115, 4734024

What’s new

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