Personal
PersonalBusinessFamily
Help

Download Wio Personal app today

4.8 in App store
App store downloadPlay store download

Phone lost or stolen? No worries.

Block and secure your account instantly here.

Learn More

  • New to the UAE
  • Save
  • Salary Transfer
  • Spend & Send Money
  • Credit Card
  • Get rewards
  • Family
  • Manage
  • Send and receive

Company

  • About Us
  • Public Offerings
  • Press
  • Investor Relations
  • Terms for brokerage
  • FATCA and CRS

Legal

  • Privacy Policy
  • Cookie Policy
  • Terms and Conditions
  • Debt Counsel Services
  • Key Fact Statement
  • Vulnerability Disclosure Program
  • Support
Language

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.

Need Help?
Background imageBackground image mobile

YOUR MONEY’S NEW HOME IN THE UAE

country card image

Open a UAE bank account using your UAE work visa and start banking before day one.

See pricing

How it works

THREE STEPS TO BANKING IN THE UAE

Apply from anywhere in the world. Start banking before you even arrive.

thumbnail

Download the Wio Personal app - even if you’re still abroad

thumbnail

Apply with your passport and UAE work visa

thumbnail

Start banking right away and share your new IBAN with your UAE employer

thumbnail

Download the Wio Personal app - even if you’re still abroad

thumbnail

Apply with your passport and UAE work visa

thumbnail

Start banking right away and share your new IBAN with your UAE employer

NEW HOME FOR YOU
(AND YOUR MONEY)

While your visa is being processed, your money isn't sitting still.

NEW HOME FOR YOU
(AND YOUR MONEY)

While your visa is being processed, your money isn't sitting still.

country bullet list image 1
country bullet list item 2
country bullet list item 3
country bullet list item image 4

GOT YOUR ID? UNLOCK THE FULL EXPERIENCE

Upload it within 60 days of arrival and get access to the full Wio Personal experience

YOUR SALARY
UNLOCKS MORE

Better rates, more cashback, smarter credit. Unlock even more by referring your company to Wio.

Salary Plan

Better rates, more cashback, smarter credit. Everything Wio can do — unlocked the moment your salary lands.

FREE
with salary transfer

Benefits

6% interest per annum on one-month Fixed Saving Spaces

Monthly term, no minimum deposit.

Personal loans from 4.75% interest

Fast approval, flexible terms.

Low interest on credit card

From 2.49% per month

Up to 2% cashback on credit card spends

Up to AED 2,500/month

THE MIDDLE EAST’S LEADING DIGITAL BANK

Join over 300,000 people who chose Wio Bank as their UAE banking home.

Fully digital. Fully yours in minutes.

Open your account from your phone and start moving money the moment it's live. Ready to receive your salary or relocation allowance from day one.

Banking people actually love

Named Best Digital Bank in the Middle East — and rated highest by the people who use us. High interest, smart investing, real rewards: all the tools to grow your money with confidence.

Backed. Regulated. Protected.

Licensed by the Central Bank of the UAE and backed by ADQ, Alpha Dhabi, e& and FAB. We protect every transaction with round-the-clock fraud monitoring that keeps your account secure at all times.

FAQs

More Tools for You

Save

image (6) (optimized)
Earn up to 6% interest per annum with Family or Salary Plan

Salary Transfer

sa_bg (optimized)
Transfer your salary to Wio Personal and earn more

Spend & Send Money

s_bg (optimized)
In AED, USD, GBP, EUR, AUD, CAD, and CHF

Credit Card

bg (optimized)
Spend and earn up to 2% cashback on every spend

Get rewards

gr-banner (optimized)
On all your spends

Family

Keep family life under one roof (Or bank)

Manage

manage-bg (optimized)
All your spendings, savings, and investments from one dashboard

Send and receive

sar_main_bg (optimized)
With the best foreign exchange rates

Save

Earn up to 6% interest per annum with Family or Salary Plan

Salary Transfer

Transfer your salary to Wio Personal and earn more

Spend & Send Money

In AED, USD, GBP, EUR, AUD, CAD, and CHF

Credit Card

Spend and earn up to 2% cashback on every spend

Get rewards

On all your spends

Family

Keep family life under one roof (Or bank)

Manage

All your spendings, savings, and investments from one dashboard

Send and receive

With the best foreign exchange rates