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FUEL GROWTH, power progress

Smart credit for smarter business spending

With Wio Business credit card, manage your everyday spends with limits up to AED 250,000

Smart credit for smarter business spending

With Wio Business credit card, manage your everyday spends with limits up to AED 250,000

  • Built for your business

    Apply and get approved quickly in the app. No hidden fees either - it's free for life.

  • More time, more flexibility

    Get up to 60 days interest-free credit

  • Turn credit into cash instantly

    With Quick Cash, it's a flat daily fee of AED 1.50 for every AED 1000 you withdraw

  • Highest cashback in the UAE

    Earn 2% cashback* on everything - up to AED 2,000 every month

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  • Built for your business

    Apply and get approved quickly in the app. No hidden fees either - it's free for life.

  • More time, more flexibility

    Get up to 60 days interest-free credit

  • Turn credit into cash instantly

    With Quick Cash, it's a flat daily fee of AED 1.50 for every AED 1000 you withdraw

  • Highest cashback in the UAE

    Earn 2% cashback* on everything - up to AED 2,000 every month

Borrow as you need, repay as you earn

Your business moves with the seasons—our Line of Credit keeps up.

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  • Get credit limit of up to AED 250,000

    access anytime and repay in 90 days

  • Only pay for what you use

    auto-deducted daily from POS sales at a competitive 12% per annum

  • Reuse your limit as you repay

    Maintain cash flow flexibility by reborrowing with a new 90-day repayment period

Borrow as you need, repay as you earn

Your business moves with the seasons—our Line of Credit keeps up.

  • Get credit limit of up to AED 250,000

    access anytime and repay in 90 days

  • Only pay for what you use

    auto-deducted daily from POS sales at a competitive 12% per annum

  • Reuse your limit as you repay

    Maintain cash flow flexibility by reborrowing with a new 90-day repayment period

Every empire starts with a spark

Get the capital you need—fast and flexible with Business loans

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Access the capital you need to grow

Borrow up to AED 3 million to fund expansion, inventory, or new opportunities.

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Flexible loan terms, competitive rates

Choose a loan tenure of 6, 12, 24, or 36 months with fixed monthly repayments at competitive rates as low as 9% per annum

Simplified supply chain finance

One seamless platform to improve cash flow, streamline payouts, and strengthen supplier relationships.

Control everything in one platform

Approvals, multi-currency payments and settlements, and team-wide access—in a few clicks

Effortless supplier onboarding

Add suppliers with just one invite and manage them across any bank or region.

Early payouts, zero cash impact

Let suppliers access early payments while you stick to your original payment terms.

HOW-TO VIDEOS FOR SMARTER BANKING

Learn how to use our app with quick, easy video guides. Master key features and unlock smarter ways to manage your money.

  • How to Apply for a Business Loan

FAQ

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More Tools for Your Business

Easy onboarding

Create your account digitally in minutes

Team collaboration

Delegate tasks and reduce your workload

Control expenses

Manage your budget and employee expenses

Save

Save and earn up to 4.75%* of interest per annum

Pay and get paid

Local and global payments and collection solutions

Invoicing

Create and manage your invoice easily

Payroll

Streamline your payroll effortlessly

Wio for web

Your bank account on any device