Wio Personal

Wio Personal

See, manage, grow your money

648 ratings
63 reviews
Free

Details

  • Released
  • Updated
  • July 25, 2023
  • August 27, 2026

Features

Wio Personal screenshot #1 for iPhone
Wio Personal screenshot #2 for iPhone
Wio Personal screenshot #3 for iPhone
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About

Manage your finances comprehensively with a single platform. Save, spend, borrow, and invest across multiple currencies. Earn interest on savings, receive cashback on spending, and access global markets for stocks and crypto.

βœ“Multi-currency accounts
βœ“Interest on savings
βœ“Debit and credit card
βœ“Cashback rewards
βœ“International money transfers
βœ“Stock and crypto investing
βœ“Virtual and physical cards
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What users say

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+1

What's New in Wio Personal

1.71.0

August 27, 2026

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

User reviews

Ridiculous VPN / Location triggers

Hard and even unable to use abroad cause of location restrictions, false VPN detection and constant logouts the moment you need the app.

Impossible to confirm transaction without logging into the app, so while abroad I will start using different banks now.

Response from developer

Hello. We apologize for the inconvenience and frustration you've experienced. 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 it checked.

can't open the App everytime after update

Waste of time

Why no VPN usage?

So frustrating that you can’t access the app whilst using a VPN, I’ve read the other responses to this and by saying that by not using a VPN it makes the app more secure surely highlights the developers complete lack of understanding of how or what VPN’s do and makes me question the security of the app in general.
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Only few currencies are supported

Nice app, but only few currencies are supported. JPY and SGD are still missing!

Less secure No VPN allowed

Was a great app, working well, now blocks the app if it thinks you have a VPN or even iCloud private relay. Forces you to use open networks if you’re overseas or travelling without any VPN as they feel using a VPN is less secure than an open unprotected network! Seriously - how is a private VPN less secure than an open hotel wifi or foreign country cellular!
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Developer apps

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 does the Wio Personal app do?

The Wio Personal app provides a comprehensive financial management solution. It allows users to open accounts, save money, spend across borders with multi-currency options, borrow funds, and invest in a variety of assets like stocks, ETFs, and cryptocurrency, all within a single platform.

What are the key features of Wio Personal?

Key features include free multi-currency accounts in AED, USD, EUR, and GBP, earning up to 6% interest on savings, a single card for debit and credit with seamless switching, up to 2% cashback on credit spends, international money transfers with competitive rates, and access to over 3,000 stocks, ETFs, and crypto for investment.

Is Wio Personal free to use?

Based on the provided information, the app is free to download and use. There are no mentions of subscription fees or in-app purchases for core functionalities. Monetization may come from other sources not detailed in the description.

What kind of investments can I make with Wio Personal?

You can access and invest in over 3,000 assets including stocks, Exchange Traded Funds (ETFs), and cryptocurrency directly from the platform. The app simplifies crypto trading by allowing direct buying and selling from your AED account and offers leverage for UAE public listings.

How does Wio Personal handle international spending and transfers?

The app offers spending without borders with free multi-currency accounts and no foreign exchange fees on international debit transactions, plus 1% cashback. It also facilitates money transfers to over 100 countries with instant currency exchange at competitive rates.