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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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TAP INTO SMARTER SPENDING

Live your life, travel, enjoy and pay with your Wio Card. Discover how convenient it is!

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How it works

Just One Card: Debit and Credit

Simplify your finances with one card for both worlds, easily managed with a tap in your app.

Up to 2%* cashback on your spends!

Switch between your own money or credit

Toggle in your app to choose and enjoy 60 days of interest-free.
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Earn cashback on all your spendings

Earn up to 2%* cashback on credit spends. Terms & Conditions apply*

MAXIMIZE YOUR TRAVELS, MINIMIZE YOUR FEES

Go global. Spend abroad with zero international card transaction fees using Wio's multi-currency accounts.

Travel smart. Save around 3.5% on fees you'd usually pay.

MAXIMIZE YOUR TRAVELS, MINIMIZE YOUR FEES

Go global. Spend abroad with zero international card transaction fees using Wio's multi-currency accounts.

Travel smart. Save around 3.5% on fees you'd usually pay.
  • In addition to your AED account, you can open free accounts in GBP, EUR, USD, CAD, AUD, and CHF.

  • We’ll automatically select the currency from your GBP, EUR, USD, CAD, AUD, or CHF accounts. Available for debit payments only.

  • By paying in local currency, you avoid the fees charged by other banks. Simple, right?

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  • In addition to your AED account, you can open free accounts in GBP, EUR, USD, CAD, AUD, and CHF.

  • We’ll automatically select the currency from your GBP, EUR, USD, CAD, AUD, or CHF accounts. Available for debit payments only.

  • By paying in local currency, you avoid the fees charged by other banks. Simple, right?

TURN YOUR SPENDINGS INTO EARNINGS

Spend, earn, grow, repeat. Here are 3 ways to turn your cashback into more money.Terms & Conditions apply*

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  • Automatically invest your cashback into your favorite stocks and build your wealth.

  • Automatically save your cashback into a Saving Space and earn up to 6%* interest per annum

  • Automatically transfer your cashback to your current account.

TURN YOUR SPENDINGS INTO EARNINGS

Spend, earn, grow, repeat. Here are 3 ways to turn your cashback into more money.Terms & Conditions apply*

  • Automatically invest your cashback into your favorite stocks and build your wealth.

  • Automatically save your cashback into a Saving Space and earn up to 6%* interest per annum

  • Automatically transfer your cashback to your current account.

Calculate your cashback

With the Salary, Family and Plus plans you can earn up to  2,500/month just by paying with your Wio credit card. So simple.

Terms & Conditions apply*

It pays to pay with Wio Credit

Credit

up to 2% Cashback

Your 2% cashback

 20

A CARD AS UNIQUE AS YOUR LIFE

A flexible, convenient and secure card for your everyday needs. And your splurges, too.

A CARD AS UNIQUE AS YOUR LIFE

A flexible, convenient and secure card for your everyday needs. And your splurges, too.

  • Create as many virtual cards as you need, or request a physical one. Our physical cards come numberless for extra protection against fraud.

  • Easily create virtual cards to empower those you trust – keep full control at your fingertips.

  • We are a digital bank. Of course, you can pay with your mobile in a super safe and easy way.

  • Withdraw from an ATM nearby. If you use a non-FAB ATM, it’s just a small fee of  2.1.

  • Establish rules and limits for your cards, monitor every transaction, and maintain complete control. Learn more

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  • Create as many virtual cards as you need, or request a physical one. Our physical cards come numberless for extra protection against fraud.

  • Easily create virtual cards to empower those you trust – keep full control at your fingertips.

  • We are a digital bank. Of course, you can pay with your mobile in a super safe and easy way.

  • Withdraw from an ATM nearby. If you use a non-FAB ATM, it’s just a small fee of  2.1.

  • Establish rules and limits for your cards, monitor every transaction, and maintain complete control. Learn more

Credit, Finally Made Simple

Easy to understand and apply. Totally transparent — no paperwork, no hassle. Unbeatable, really.
Terms & Conditions apply*

A dedicated team to ensure your safety

Fast, simple, digital. As easy as posting your latest holiday photos.

Ironclad encryption

Bank-vault security for your data: advanced encryption to keep your financial information locked down during every online transaction.

Backed by key entities

Wio Bank PJSC is regulated by the Central Bank of the UAE.

Fraud prevention

All transactions are monitored to detect suspicious activity, ensuring the security of your accounts at all times.

More Tools for You

Save

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

Salary plan

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Transfer your salary to Wio Personal and start shaping your life goals

Family

Keep family life under one roof (Or bank)

Credit

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Smart, simple and designed to help you achieve more

Send and receive

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With the best foreign exchange rates

Manage

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With spend analytics, limits and controls

Get rewards

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On all your spends

Save

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

Salary plan

Transfer your salary to Wio Personal and start shaping your life goals

Family

Keep family life under one roof (Or bank)

Credit

Smart, simple and designed to help you achieve more

Send and receive

With the best foreign exchange rates

Manage

With spend analytics, limits and controls

Get rewards

On all your spends