Wio Personal

Wio Personal

See, manage, grow your money

632 ratings
53 reviews
Free

Details

  • Released
  • Updated
  • July 25, 2023
  • July 17, 2026

Features

Wio Personal screenshot #1 for iPhone
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Wio Personal screenshot #6 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.

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

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+1

What's New in Wio Personal

1.67.1

July 17, 2026

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

User reviews

Waste of your time! At least don’t waste your money!

Since a couple of weeks, I’ve been trying to verify my identity through the app as a new customer, but the app crashes with a coding error. Support has been contacted and informed since day one, but nobody has contacted me. Most important, the error has NOT been fixed, even with the new update.
The response from the customer support “We’re unable to identify you…” which is a copy and paste to every critical review, is a joke! A joke is also asking you to contact them through social media for support. I wonder how these clowns got a banking license in the first place!
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Response from developer

Hello. We're sorry to hear about your experience. We'd like to look into this for you, however, we're unable to identify your account using your App Store username. Please send us a private message on any of our social media channels with your registered contact details (email address or mobile number), and we'll be happy to investigate this further and assist you.

Don’t use as primary bank

As a wallet it’s fine but taken over a month to get a personal loan…I got a mortgage faster in the uk.

Best bank user interface in UAE

Awesome bank interface, features and trading app

No chat support

Support is very unprofessional

New Account

Excellent service

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.