# Wio Personal — user reviews > 63 indexed App Store user reviews of Wio Personal by WIO BANK P.J.S.C, rated 4.80/5 from 645 ratings. - Source: https://appshunter.io/ios/app/wio-personal/id1658472726/reviews - App overview in markdown: https://appshunter.io/ios/app/wio-personal/id1658472726.md - Rating breakdown: 5★ 587 · 4★ 30 · 3★ 4 · 2★ 1 · 1★ 23 ## What do users think of Wio Personal? Overall sentiment: neutral **Pros** - 👍 User-friendly interface - 🚀 Easy setup - 💡 Innovative features - 🚀 Excellent performance - 🚀 Cutting-edge banking app **Cons** - 🐛 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 **Commonly reported bugs** - Camera issues during account verification - Login problems and app crashes - Lost data when navigating away during beneficiary addition - Pending transfers with no clear resolution timeline **Most requested features** - Ability to permanently remove unused features - More customization options for the UI - Improved customer support and responsiveness - Seamless integration of banking and investment features - Ability to export transactions to Excel - Push notifications instead of SMS for alerts ## Newest reviews (12 of 63) ### 2/5 — Why no VPN usage? *2026-08-01, version 1.68.1* 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. ### 2/5 — Only few currencies are supported *2026-07-28, version 1.68.1* Nice app, but only few currencies are supported. JPY and SGD are still missing! ### 1/5 — Actually getting worse! *2026-05-07, version 1.63.0* Where’s your card details?! No one knows. Buried in some menu setting far far away. Is it printed on your card like normal cards.. nope! ### 1/5 — App is getting bloated *2026-03-28* Recently the app updates are making the app bloated and difficult to use. Too many ads and pop ups for non relevant features. Inability to use the app with a vpn on or on a call are such silly features with no relevancy to safety. Very short sighted decision that has decreased the usability and simpleness of using the app. Keep is simple wio. Your app was perfect and a breath of fresh air. Don’t make it like other local banking apps full of bloat and poor UX. **Developer response:** Thank you so much for sharing, your feedback is very valuable to us. We will definitely take these suggestions into consideration. ### 4/5 — Good app *2026-02-26, version 1.58.0* Easy too use. I would have given it 5 stars if it wasn’t for the amount of updates, far too many too often. ### 1/5 — Very annoying log-outs *2026-01-23, version 1.55.0* Recently they introduced VPN protection: if you open the app when VPN is on it doesn’t open up asking to turn VPN off but when you turn it off it log you out and you have to log in again. Very annoying especially for people travelling and using VON abroad frequently. Also very annoying feature is not being able to instantly transfer efen AED10 to new contacts. Other banks allow small transfers to new contacts before the 4-hour cooldown? Wio doesn’t allow alltogeter which is bery annoying. In western countries you don’t see these features. I hope they chhamge it some day ### 4/5 — Too many updates *2025-12-25, version 1.54.1* While the app itself works fine, the updates are too frequent. You cannot use the app realistically, on the go, if the update is coming every 1 or 2 days. Causes a lot of issues esp if on cellular data trying to manage something but app won’t open until you update (again!). Delays work and productivity. Normally apps update after a month or more. Wio, you can do better. Ridiculous. ### 1/5 — Extremely Disappointing Experience – Account Frozen Without Explanation *2025-12-11, version 1.53.0* I had been using Wio Bank for almost a year with absolutely no issues and genuinely enjoyed how simple and convenient the app was. Unfortunately, all of that changed about a month ago when my account was suddenly frozen without any explanation. Since then, I’ve called customer support five separate times, and every single time I receive the same vague response: “Sorry, we are investigating.” No one can tell me why my account is frozen, what triggered it, or when it will be resolved. I can’t use my card, I can’t send money, and I’m left completely in the dark. The only time I received any written response from them was after filing a complaint with the Central Bank. Even then, their reply was just another generic “we are working on it.” At least the Central Bank informed me that I should expect a response within 30 business days, which is apparently the timeframe Wio has been given to fix the issue — but it’s extremely frustrating that the bank itself provided no clarity at all. For a digital bank that promotes convenience and transparency, this experience has been the complete opposite. Having your money locked with no explanation and no timeline is incredibly stressful. I can no longer recommend Wio Bank based on what I’ve gone through. ### 3/5 — Great but bloated *2025-12-03, version 1.52.2* Super quick and easy but hugely annoying to not be able to (permanently) remove the annoying buttons for “Family”, “Investments” etc. that are utterly inapplicable. Constant reminders for personal loans etc are also frustrating. The lack of ability to customise the interface (just add/remove functions) is poor UX design, and the “cards” button seems to have vanished in the latest update. ### 1/5 — WIO Investing Is Not Ready for Public Use – Serious Limitations That Put Customers at Risk *2025-11-19, version 1.51.1* Review: I have been an active trader for several years—day trading, swing trading, and long-term investing across multiple global platforms. I recently decided to try WIO’s new “WIO Investing” product, and the experience has been extremely concerning from both a risk-management and operational standpoint. After purchasing nearly $300,000 worth of shares through WIO, I attempted to sell the position during a time-sensitive market move. Only then did I discover—without any prior notice—that WIO limits customers to selling a maximum of 50,000 shares per transaction (and effectively per day). There was no warning before buying, no mention of this limitation during order placement, and no disclosure in the app that selling is restricted in this manner. Anyone with trading experience understands that liquidity and exit flexibility are non-negotiable in any investment platform. Allowing customers to buy large positions freely while restricting their ability to exit those positions is both illogical and potentially dangerous. I contacted WIO’s support immediately and escalated the matter to their investment team. Despite acknowledging the urgency of the issue, no one followed up for two weeks. When I contacted them again, a manager simply stated that this limitation was “company policy,” without offering any explanation for why the platform allows unlimited buying but severely restricted selling. This raises a critical question: What happens if a customer invests hundreds of thousands—or millions—and the stock drops sharply? Under WIO’s current restrictions, users would be unable to liquidate quickly, potentially incurring massive losses through no fault of their own other than relying on WIO’s platform. From my experience, WIO appears to be launching products too quickly without the necessary infrastructure, safeguards, customer support, or basic trading features that every other established brokerage provides (Interactive Brokers, Robinhood, Fidelity, etc.). No reputable brokerage limits your ability to sell your own positions in this way. WIO’s customer service has also been consistently slow, unresponsive, and difficult to escalate, which only compounds the risk of using their investment product. I previously recommended WIO to others, but after this experience, I cannot continue to do so. WIO Investing is not ready for public use and poses real financial risk due to poorly designed policies, a lack of transparency, and inadequate customer support. Until these issues are addressed, I strongly advise traders and investors to avoid using WIO Investing. The platform needs significant improvements before it can responsibly support users’ financial decisions. ### 1/5 — I can’t verify my account *2025-09-09, version 1.46.0* Bug on camera, keep been blurred cuz you not able to focus the camera ### 1/5 — Worst Customer Service *2025-08-27, version 1.45.0* First of all they didn’t contact me for many days for my ticket created. Then all of a sudden they marked the ticket as resolved despite the issue isn’t resolved. ## Most critical reviews (10 lowest-rated) ### 1/5 — Ridiculous VPN / Location triggers *2026-08-16, version 1.70.0* 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. ### 1/5 — can't open the App everytime after update *2026-08-13, version 1.70.0* Waste of time ### 1/5 — Less secure No VPN allowed *2026-07-25, version 1.68.0* 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! ### 1/5 — VPN blocked and logs out *2026-07-18, version 1.67.1* So annoying that if my work VPN is on, the app not only does not work, it actually logs you out. Beyond frustrating. VPNs ensure safe internet traffic, it’s so odd for a bank to block usage let alone make your experience worse by logging you out completely. Sort it out, Wio! ### 1/5 — Waste of your time! At least don’t waste your money! *2026-07-09, version 1.67.0* 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! ### 1/5 — Customer support non-existent *2026-07-07, version 1.67.0* They send automated messages telling you to check online, and maybe, if you are lucky, someone responds around 4 hours later. Not good enough when you are dealing with ppl’s savings. ### 1/5 — Terrible UI and UX *2026-07-07, version 1.67.0* I don’t know who decided the UI was a good idea. It makes no sense. It’s not intuitive. It’s not like other apps. The entire app needs to be redesigned. And the ads for other features are annoying. I don’t care about the stories at the top. I should be able to dismiss everything in the explore section. Maybe look at Revolut for an example of a good UI. Also it just takes too long for the app to load and animations are not smooth. Terrible engineering. ### 1/5 — NOT Worth a Single Penny! *2026-07-03, version 1.66.0* This bank does NOT deserve you as a customer and certainly it doesn’t deserve your money! Since a week, I am trying to open an account with Wio as a NEW customer, and every time I’m stuck at the “Verify Identity” step as the app crashes with an “exception” json parser error, clearly a bug in the app’s code. I’ve installed/uninstalled the app multiple times, I’ve opened a ticket with customer support, provided screenshots and detailed explanation and still, after a week, there is NO update. So, if new customers, willing to deposit at least a couple of millions in AED, are treated this way, I can imagine the poor and lousy treatment and support current customers might receive, if they have a problem with their money. Stay AWAY from this bank! ### 1/5 — Don’t use as primary bank *2026-06-13, version 1.65.0* As a wallet it’s fine but taken over a month to get a personal loan…I got a mortgage faster in the uk. ### 1/5 — No chat support *2026-05-28, version 1.64.0* Support is very unprofessional ## Most praised reviews (10 highest-rated) ### 5/5 — Best bank user interface in UAE *2026-06-13, version 1.65.0* Awesome bank interface, features and trading app ### 5/5 — New Account *2026-05-20, version 1.63.2* Excellent service ### 5/5 — All in all money management app *2026-03-31, version 1.60.0* Super easy to navigate. From storing to investing to tracking money, everything can be done here. Highly recommended. ### 5/5 — Why is Wio good ? *2026-03-22, version 1.59.1* Very easy to use and very cool for kids and adults you can customize your own cards and you can have people send you money and the app can help you invest ### 5/5 — Probably the BEST banking app in the world *2026-02-09, version 1.56.1* WIO is a very slick app. Very functionable easy to use. When things work, they work beautifully The back office customer service side of things could improve. ### 5/5 — Great user interface *2026-01-14, version 1.55.0* App is easy to use and i havent experienced any bugs or issues so far ### 5/5 — Amazing app *2025-12-10, version 1.53.0* One of the best app and user friendly user interface. Thank you for amazing features. ### 5/5 — Amazing app *2025-11-22* One of the best app and user friendly user interface. Thank you for amazing features. **Developer response:** Thanks for the rating and feedback. ### 5/5 — Wio *2025-08-01, version 1.43.1* The best easy app to use👍 ### 5/5 — SMS for transactions? *2025-07-01, version 1.41.2* Love the app but would much prefer push over SMS for transaction/ other alerts and can't see any option for that. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-24.*