GROW YOUR MONEY, YOUR WORLD YOUR POSSIBILITIES
Save, spend, borrow, manage, and invest your money – all in one place.
How Wio is switching up the game
Grow your money with Saving Spaces.
With Wio Personal Plus plan, sit back and watch your money grow. Earn 3.75%* per annum on AED savings and 3.5%* per annum on USD savings with Saving Spaces.
*T&Cs apply
Travel smart with your Wio card
Save up to 3.5% on fees on global card spends. The Wio card automatically selects the currency from your USD, EUR, or GBP accounts; saving you money on fees other banks would charge.
Easy Credit with 2% Cashback
Enjoy credit up to 60 days without interest and 2% cashback up to 2500 AED/month. Easy application, no paperwork, no hassles!
Send money globally, at attractive rates
Ultra fast and easy. Enjoy secure international money transfers to over 100 countries, at highly attractive exchange rates. Use ‘Schedule Transfers’ to automate your recurring transfer to any valid IBAN.
Start investing with only US$1
Access thousands of stocks, ETFs, and fractional shares in the same app, and fund and trade seamlessly.
One card for debit and credit
Easily toggle between debit and credit when you need it. Make every transaction count, with 0.5% cashback on AED debit spends, 1% on non-AED debit spends and 2% on credit spends.
RETHINK REWARDS.
Now, turn your Cashback into stocks!
The companies displayed above are for illustration purposes only. Wio ‘Invest’ offers access to a wide range of stocks.
Save more, spend smartly, see everything, and take back control of your financial life.
Open an account digitally, in minutes
Simply download our app and you can open a full bank plus investing account from your phone – anytime, anywhere. No queues, no branches, no paperwork! All you need is an Emirates ID.
Growing your wealth made simple
Invest safely and instantly in 2,000+ UAE and US stocks, fractional shares, ETFs and more. Start building your wealth and unlock a future of infinite opportunities
Say goodbye to boring banking
Which plan is right for you?
Everyday banking
Monthly fee
AED 25/month or FREE if you keep a total amount of at least AED 3,000 across your Wio accounts every month. You can check your total amount in your dashboard: main account, savings and investments.
Account closure fee
Free
Cheque returned fee
AED 78.75 per cheque
Rewards
Interest on AED Saving Spaces
X
Cashback on card spends
X
Cards
Physical card fee
Free (AED 26.25 for replacement)
Credit on Card
Roll over interest: 3.25% per month
Annualised percentage rate: 39%
Late fee: 199 AED (incl. VAT)
Easy Cash
1 AED per day, per 1000 AED
Annualised percentage rate: 36.5%
Late fee: 199 AED (incl. VAT)
Virtual card fee
Free
Foreign exchange transaction fee*
2%
*All transactions (AED and non-AED) originating outside the UAE (including online merchants)
Transfers & Exchange
Multi-currency accounts
Free (USD, GBP, EUR)
Local transfer fee
Free
Swift International Transfer fee
Free
Correspondent banking international transfer fees
International transfers (foreign exchange rate)
Standard
Withdrawals
Cash withdrawal (UAE, FAB ATM)
Free
Cash withdrawal (UAE, non-FAB ATMs)
AED 2.1 per transaction
Cash withdrawals (GCC ATMs)
AED 6.30
Cash withdrawal (outside UAE)
AED 21 per transaction
Statements & Others
Digital account statements
Free
Paper statements
AED 26.25 for each 3 month account statement
Balance / Account confirmation letter
AED 52.5
No liability letter
AED 52.5
Liability letter
AED 52.5
Everyday banking
Monthly fee
AED 25/month or FREE if you keep a total amount of at least AED 3,000 across your Wio accounts every month. You can check your total amount in your dashboard: main account, savings and investments.
Account closure fee
Free
Cheque returned fee
AED 78.75 per cheque
Understand how this works
Interest on savings
Monthly account fees
Cashback
Correspondent banking fees
All fees and charges inclusive of VAT
Click here to download the full schedule of fees
Download 
personal
