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  • Easy onboarding
  • Team collaboration
  • Control expenses
  • Save
  • Pay and get paid
  • Financing options
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  • Payroll
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Wio Bank PJSC is incorporated under the laws of Abu Dhabi, United Arab Emirates. Address: Etihad Airways Centre, 5th Floor, Abu Dhabi, UAE. Wio Bank is licensed and regulated by the Central Bank of the UAE.

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RUN YOUR GLOBAL BUSINESS. BANK IN ONE PLACE

Whether you import, export, or deliver professional services across borders, Wio Business gives you the banking tools to move money where you need it.

Why Wio

Why Wio for Trade & Services

Why Wio for Trade & Services

  • Get your account open and operational in 3 working days, entirely online. No branch visits, no excessive paperwork. Apply with your trade license and let Wio do the rest.

  • Multi-currency accounts, SWIFT payments, and competitive FX rates make Wio Business the natural choice for companies that regularly send or receive money across borders.

  • Wio Bank is licensed by the Central Bank of the UAE. Your international transactions are protected by SWIFT-standard security and 24/7 fraud monitoring.

  • Wio line of credit, term loans, and supply chain finance give you the flexibility to keep moving even when payments are delayed.

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  • Get your account open and operational in 3 working days, entirely online. No branch visits, no excessive paperwork. Apply with your trade license and let Wio do the rest.

  • Multi-currency accounts, SWIFT payments, and competitive FX rates make Wio Business the natural choice for companies that regularly send or receive money across borders.

  • Wio Bank is licensed by the Central Bank of the UAE. Your international transactions are protected by SWIFT-standard security and 24/7 fraud monitoring.

  • Wio line of credit, term loans, and supply chain finance give you the flexibility to keep moving even when payments are delayed.

Benefits built for Trade & Services

Multi-currency accounts for international trade

Hold and transact in AED, USD, EUR, GBP, CAD, AUD, and CHF from your Wio Business account. Pay international suppliers at competitive rates and get paid by global clients without currency surprises.

SWIFT international payments with no branch visit

Send international wire transfers directly from the Wio Business app. Whether you're settling with a supplier in China, a partner in Europe, or a client in the US, Wio handles SWIFT payments quickly and securely.

Supply chain finance to unlock working capital

Don't wait 60 or 90 days for buyers to pay. Wio supply chain finance platform has delivered over AED 1 billion in financing to UAE businesses, giving trade companies faster access to the capital locked in their receivables.

Your growth. Our guarantee

Request bank guarantees directly from the app, giving your clients confidence while keeping things simple on your end. For a limited time, you can also enjoy zero issuance fees on all cash-secured bank guarantees.

Team access to manage payments across your business

Assign roles to your team with full or limited permissions. Delegate the day-to-day without giving up control.

How It Works

Set up your account in 10 minutes with your phone, start using it within a few days.

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Simple and fully digital process

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Ready in less than 3 days

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24/7 help, with real people

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Simple and fully digital process

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Ready in less than 3 days

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24/7 help, with real people

Get In Touch

Get In Touch

    FAQs

    subscription plans without hidden fees

    Our account plans are designed to give your business everything it needs to thrive.

    Essential Plan

    99
    PER MONTH

    

    99/PER MONTH
    • Best for freelancers & small businesses
    • Free multicurrency account
    • 2 free users
    •  52.50 per Swift international transfer
    • No interests on Saving Spaces
    • 10 free local transfers per month

    Grow Plan

    249
    PER MONTH

    

    249/PER MONTH
    • Best for medium & large businesses
    • 3 salary payment files per month
    • 10 free users
    •  26.25 per Swift international transfer
    • Up to 3% interest in Saving Spaces
    • Unlimited free local transfers

    More Tools for Your Business

    Easy onboarding

    wio-business-easy-onboarding-herobanner-image
    Create your account digitally in minutes

    Team collaboration

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    Delegate tasks and reduce your workload

    Control expenses

    ce_bg (optimized)
    Manage your budget and employee expenses

    Save

    save-wb-hero (optimized)
    Save and earn up to 3.5%* of interest per annum

    Pay and get paid

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    Local and global payments and collection solutions

    Financing options

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    Fuel growth, power progress

    Invoicing

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    Create and manage your invoice easily

    Payroll

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    Streamline your payroll effortlessly

    Wio for web

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    Your bank account on any device

    Industry

    Run your business. Bank smarter

    Healthcare

    Healthy business. Healthier patients

    Food & Beverage

    Keep service smooth. Keep cash flow flowing

    E-commerce

    Sell everywhere. Bank in one place

    Wio Creators

    free-to-create-bank-image
    Designed for freelancers, creators, and independent professionals

    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 3.5%* of interest per annum

    Pay and get paid

    Local and global payments and collection solutions

    Financing options

    Fuel growth, power progress

    Invoicing

    Create and manage your invoice easily

    Payroll

    Streamline your payroll effortlessly

    Wio for web

    Your bank account on any device

    Industry

    Run your business. Bank smarter

    Healthcare

    Healthy business. Healthier patients

    Food & Beverage

    Keep service smooth. Keep cash flow flowing

    E-commerce

    Sell everywhere. Bank in one place

    Wio Creators

    Designed for freelancers, creators, and independent professionals