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Wio Personal

Earn up to 6% interest, spend seamlessly across borders in 4 currencies, and invest in 3,000+ stocks—all from one powerful, high-yield account.

Finance & Crypto ›

Key Figures

Downloads

304K+

User Rating

4.8/5

Total Ratings

6K+

Publisher

WIO BANK P.J.S.C

The Only App Your Money Ever Needs

Save with market-leading interest, invest in global stocks, and spend in multiple currencies—all within a single interface designed for the modern global professional.

Maximize Your Wealth

Earn up to 6% interest p.a. on your savings—significantly outperforming traditional banks—while getting up to 2% cashback on every spend.

Banking Without Borders

Open free multi-currency accounts in USD, EUR, GBP, and AED. Spend anywhere with zero FX fees and instant, competitive exchange rates.

FAQ

Frequently Asked Questions

Everything you need to know about Wio Personal

Does Wio Personal support multi-currency accounts?

Yes, Wio Personal offers free multi-currency accounts in AED, USD, EUR, and GBP, enabling users to spend without borders.

What are the interest rates for savings in Wio Personal?

Wio Personal users can earn up to 6% interest per annum with the 'Salary' Plan or up to 4.75% per annum with the 'Plus' Plan on their savings.

How does the Wio Personal card combine debit and credit functionality?

The Wio Personal card offers a single card solution for both debit and credit, allowing users to seamlessly switch between spending modes.

Can I use my Wio Personal card instantly after account opening?

Yes, Wio Personal provides instant card access. Users can immediately use their virtual card online and add it to Apple Pay or Google Pay.

What investment options are available through Wio Personal?

Wio Personal allows users to access over 3,000 stocks, ETFs, crypto, and wealth management tools, all within one secure platform.

Can I set spending limits on my Wio Personal virtual cards?

Yes, Wio Personal virtual cards offer control features including customizable designs, setting spending limits, and secure online or in-store shopping.

What cashback rewards does Wio Personal offer on credit spending?

Wio Personal provides 2% cashback, up to 2500 AED/month, on all credit spends with Wio Credit, alongside up to 60 days interest-free.

Does Wio Personal charge foreign exchange fees for international transactions?

No, Wio Personal does not charge foreign exchange fees for international debit transactions and provides an additional 1% cashback on these spends.

Can I transfer money internationally using the Wio Personal app?

Yes, Wio Personal enables instant money transfers to over 100 countries, featuring instant currency exchange at competitive rates.

The following screenshots and description are sourced directly from the app's official store listing and are the property of the app developer.

App Store

Screenshots

Wio Personal - Wio Personal mobile banking app home screen showing account balance and financial distribution — Wio Personal mobile banking app home screen showing account balance and financial distribution

Wio Personal - Wio Personal app interface showing credit benefits and personalized savings spaces for fixed savings and a new car. — Wio Personal app interface showing credit benefits and personalized savings spaces for fixed savings and a new car.

Wio Personal - Wio Personal mobile app interface showing cashback rewards on spending and various credit card designs — Wio Personal mobile app interface showing cashback rewards on spending and various credit card designs

Wio Personal - Wio Personal mobile app investment screen showing a portfolio value of 800,000 USD and asset distribution — Wio Personal mobile app investment screen showing a portfolio value of 800,000 USD and asset distribution

Wio Personal - A marketing graphic for the Wio Personal app showing international money transfers on a digital globe — A marketing graphic for the Wio Personal app showing international money transfers on a digital globe

Wio Personal - Wio Personal mobile banking app splash screen featuring the slogan Born to back you on a purple background — Wio Personal mobile banking app splash screen featuring the slogan Born to back you on a purple background

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.