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

Say hello to 5.5%* interest p.a.

Grow your money effortlessly with the best interest rates in town. Earn up to 5.5%* p.a. on your AED savings in Fixed Saving Spaces. Earn 5%* p.a. on AED savings and 4.25%* p.a. on USD savings in Saving Spaces.

*T&Cs apply.

Travel smart with your Wio card

Save 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.

Earn 1% cashback

Earn rewards on your Wio card spends. Receive your cashback automatically every month.

Send money globally, at attractive rates

Ultra fast, ultra easy. Enjoy secure international money transfers to over 100 countries, at highly attractive exchange rates.

Start investing with only US$1

Access thousands of stocks, ETFs, and fractional shares in the same app, and fund and trade seamlessly.

Simplified credit at low interest

Enjoy up to 60 days without interest every time you pay us back in full! Make your credit payments on time with our smart reminders and auto-debit feature.

Say hello to 5.5%* interest p.a.

*T&Cs apply.

SAY HELLO
TO 5.5%* INTEREST P.A.

Grow your money in 3 easy steps:

Download the Wio Personal app & sign up for the ‘Plus’ plan
Move money into your Wio Personal bank account
Go to Hub , select ‘Save’ to create Fixed Saving Spaces or Saving Spaces, and add money to them.

Now sit back and watch your money grow!

Learn more

*T&Cs apply

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.

Banking made easy

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.

Save with Wio

Make space for your dreams with Saving Spaces

Be it putting away money for a trip, your dream car, or a safer future, we offer two ways to save for your goals – Fixed Saving Spaces and Saving Spaces. With Wio Personal ‘Plus’ plan, get up to 5.5%* p.a. on your AED savings and 4.25%* p.a. on USD savings.

*T&Cs apply

Invest with Wio

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

Stocks and ETFs are offered by Wio Securities LLC.

Say goodbye to boring banking

Simple, fair & transparent pricing

We go beyond the competition - way beyond.

Everyday banking

Monthly fee

AED 49/month or FREE if you keep a total amount of at least AED 35,000 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 Fixed Saving Spaces for AED account

1 or 3 months - 5.2% p.a.; no penalty for early withdrawal.
6 or 12 months - 5.5% p.a.; 1.25% penalty for early withdrawal.

Interest on Saving Spaces for AED account.

5% p.a. from 1st Jan 2024; No minimum balance required.

Interest on Saving Spaces for USD account

4.25% p.a. from 1st Jan 2024; No minimum balance required.

Cashback on card spends

2% on all credit spends.
1% on all debit spends.
Capped at AED 2,500 monthly.

Understand how this works

Interest on savings

To earn interest, sign up to Wio Personal ‘Plus’ Plan and watch your money grow. We offer 2 ways to get the best interest rates.
Earn 5% p.a. on existing Saving spaces from 1 Jan 2024, on any AED amount, no minimum required.
Lock in even higher interest at up to 5.5% p.a. with Fixed Saving Spaces. Choose your preferred term and start growing your money!
1 or 3 months - 5.2% p.a.; no penalty for early withdrawal.
6 or 12 months - 5.5% p.a.; 1.25% penalty for early withdrawal.

Monthly account fees

Cashback

Correspondent banking fees

If you pay for all fees, you will pay for the Wio charges and the correspondent banking fees listed below: (fee will apply based on currency of account where transfer is made from)

Payment Currency	I will pay for all fees	Account Currency
		AED	USD	EUR	GBP
	USD	63	15.75	15.75	15.75
	EUR	63	15.75	15.75	15.75
	GBP	63	15.75	15.75	15.75
	SAR	27	8	8	8
	INR	0	0	0	0
	AED	USD, EUR, GBP
USD	63	15.75
EUR	63	15.75
GBP	63	15.75
SAR	27	8
INR	0	0

If you share the fees, you will pay for the Wio charges and the beneficiary will pay for the correspondent banking fees listed below.
All USD, EUR, GBP transactions above a value of 1,000 will be charged a correspondent banking fee of 25 (of the respective currency) and transactions below a value of 1,000 will have no correspondent banking fees.For SAR transactions, a correspondent banking fee of SAR 25 will apply.
There may be additional correspondent bank fees applied by the beneficiary’s bank. All related correspondent banking fees will be deducted from the transfer amount and the beneficiary will receive an amount net off all charges.

This Price plan is effective from 1st August 2023.

Open an account today

GROW YOUR MONEY, YOUR WORLD YOUR POSSIBILITIES

How Wio is switching up the game

Say hello to 5.5%* interest p.a.

Travel smart with your Wio card

Earn 1% cashback

Send money globally, at attractive rates

Start investing with only US$1

Simplified credit at low interest

Say hello to 5.5%* interest p.a.

SAY HELLO TO 5.5%* INTEREST P.A.

RETHINK REWARDS.

Save more, spend smartly, see everything, and take back control of your financial life.

Open an account digitally, in minutes

Make space for your dreams with Saving Spaces

Growing your wealth made simple

Say goodbye to boring banking

Simple, fair & transparent pricing

Everyday banking

Monthly fee

Account closure fee

Cheque returned fee

Understand how this works

Download personal

SAY HELLO
TO 5.5%* INTEREST P.A.

Download
personal