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Wio Personal

Wio Personal

See, manage, grow your money

670 ratings
87 reviews
🌟 Lifestyle
💰 Finance
Free

Details

Released
July 25, 2023
Updated
October 28, 2026

Features

Developer

WIO BANK P.J.S.C
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Wio Personal screenshot #1 for iPhone
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Wio Personal screenshot #3 for iPhone
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About

Manage your finances with a comprehensive banking app. Open an account, save, spend, borrow, and invest in stocks, ETFs, and crypto. Enjoy multi-currency accounts, competitive interest rates, and cashback rewards.

✓Multi-currency accounts (AED, USD, EUR, GBP)
✓Up to 6% interest on savings
✓Debit and credit card with spending modes
✓Up to 2% cashback on credit spends
✓International transactions with no FX fees
✓Invest in stocks, ETFs, and crypto
✓Virtual and physical card options
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What users say about Wio Personal

Reviews of Wio Personal are mixed: the Finance app is rated 4.8/5 from 670 App Store ratings. What users like most: user-friendly interface, easy setup. Top complaints: frequent app updates causing issues, difficult to find basic information. Summarized from real user reviews.

Positive things

  • 👍User-friendly interface
  • 🚀Easy setup
  • 💡Innovative features
  • 🚀Excellent performance
  • 🚀Cutting-edge banking app

Negative things

  • 🐛Frequent app updates causing issues
  • 🔍Difficult to find basic information
  • 🔍Cluttered and bloated UI
  • 🔍Restricted selling options in investing
  • 🔍Inconsistent cashback rewards
  • 🔍Inability to customize the app
  • 🔍Complicated app navigation
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+1

What's New in Wio Personal

1.75.1

October 28, 2026

We've made some improvements to enhance your experience. Thank you for using Wio Personal!

User reviews

Most RecentHighest RatedLowest Rated

App Update to Support the iPhone Duo

Hi please can you update the Wio App for the iPhone Duo, it will be great appreciated as it will enhance our user experience in different orientations. Rather than having a small iPhone app in the centre of the screen.
AAvinashzim

Mrs

Great Bank
MKMrs KTIJ

Response from developer

Thank you.

Horribly damaging bugs

Market orders remaining pending forever and freezing your money with no recourse. Support is super limited almost inexistent, causing me thousands in damages. Horrible horrible horrible
LLB379282

Response from developer

Hello, we’re sorry for the disruption you experienced yesterday. A wider Microsoft Azure outage impacted our connection with our trading partners, which temporarily affected trading services on Wio Invest. The issue has now been resolved and services are back to normal. We understand how important reliable access is when trading and sincerely apologize for the inconvenience caused. Thank you for your patience and understanding.

Data Leak reported

Wio creates US accounts with DriveWealth and recently in a cyber attack, all user data were leaked and Wio just sent an email asking us to contact DriveWealth without taking any accountability or providing information on the steps they are taking to prevent this. This is a very casual approach, you should take accountability of this or should not do business. You are talking about us signing agreement to share data with DriveWealth but we never authorised you to leak it - who will take responsibility for it?
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MMans19820517

Response from developer

Hello. Thank you for taking the time to share such detailed feedback. We're happy to hear you're enjoying the platform, from the onboarding experience to investing across UAE and US markets. We've also noted your suggestion about the ability to see investments into separate portfolios and will share it with the team for future consideration as we continue to enhance the experience. Thank you for helping us improve.

Horrible banking statement and customer support

The bank can just decide if they want or dont want to let you open an account regardless of any reason. Even if there is no reason to not let me open an account they have decided due to “some internal policies “ they cannot open my account. I called the customer support and he straight up wasnt even interested in my issue and sounded like he is waiting to cut the call. I asked him for the time it will take to whitelist me and he didnt even care and just said u cant make an account and didnt even try anything.
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RRJD0410

Response from developer

Hello. We apologize for the inconvenience caused. We're unable to identify you. We'd like to kindly ask you to share your contact details via DM through Facebook, Instagram, or X so that we can get this checked.

See 82 more reviews

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User experience

🐞

Reported Bugs

4 issues

Camera issues during account verification

Bug

Login problems and app crashes

Bug

Lost data when navigating away during beneficiary addition

Bug

Pending transfers with no clear resolution timeline

Bug
✨

Requested Features

6 requests

Ability to permanently remove unused features

Feature

More customization options for the UI

Feature

Improved customer support and responsiveness

Feature

Seamless integration of banking and investment features

Feature

Ability to export transactions to Excel

Feature

Push notifications instead of SMS for alerts

Feature

FAQ

What is Wio Personal?

Wio Personal is a comprehensive personal finance app that allows you to open an account, save, spend, borrow, manage, and invest in a variety of assets like stocks, ETFs, and crypto, all within a single platform.

How secure is Wio Personal?

Wio Personal employs powerful encryption and allows you to set controls on where and how you spend, ensuring your financial activities are protected.

What are the interest rates for savings plans on Wio Personal?

You can earn up to 6% interest per annum on the Wio Personal 'Salary' Plan or up to 4.75% interest per annum on the Wio Personal 'Plus' Plan.

Can I use Wio Personal for international transactions?

Yes, Wio Personal offers free multi-currency accounts in AED, USD, EUR, and GBP, with no foreign exchange fees and 1% cashback on international debit transactions.

What investment options are available on Wio Personal?

Wio Personal provides access to over 3,000 stocks, ETFs, and crypto, allowing you to buy and sell directly from your AED account.

Does Wio Personal have ads?

No, Wio Personal does not contain advertisements, as indicated by its 'hasAds' status.

What devices does Wio Personal support?

Wio Personal is currently supported on iPhones, as indicated by its 'supportedDevices' field.

How often is Wio Personal updated?

Wio Personal was last updated on October 28, 2026, with version 1.75.1, suggesting a relatively recent update cycle.