ENBD X vs Wio Personal
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
ENBD X
Manage your Emirates NBD accounts and cards securely on your phone. Access over 150 services, including instant transactions, card management, and international money transfers. Open investment portfolios and trade equities directly from the app.
- Manage accounts and cards
- Over 150 banking services
- Instant transactions
- Card lock/unlock and PIN reset
- Request statements and letters
- Set spending/withdrawal limits
- Open investment portfolios and trade equities
- International money transfers
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With ENBD X, a new standard of excellence, embark on a groundbreaking journey to mobile banking on your phone. Seamlessly navigate through all your Emirates NBD products to gain control of your finances. This cutting-edge app empowers you to securely manage your accounts and cards with the assurance from Emirates NBD to bring you best in class banking products and services. Emirates NBD, known for its commitment to innovation, ensures your financial wellbeing and security with ENBD X. Access over 150+ services, with majority of them being processed instantly on the app with no extra steps. Lock and unlock your Emirates NBD card effortlessly, reset your card PIN, request statements, letters with just a few taps, and set precise spending and withdrawal limits to match your financial preferences. See the historical information about your transactions on your accounts, cards and loans. Moreover, you can open an investment portfolio instantly and start trading in Global and Local Equities. You can find best of deals, offers and benefits of banking with Emirates NBD with the ease and convenience of the ENBD X mobile app. ENBD X, proudly brought to you by Emirates NBD, not only simplifies your daily digital banking but also offers lightning-fast international money transfer feature to multiple destinations with DirectRemit. Additionally, managing your finances is a breeze, as you can conveniently pay your bills or top up your mobile phone with Emirates NBD's secure and user-friendly app. Embrace banking like never before with Emirates NBD's ENBD X app – your trusted companion for a seamless, secure, and efficient financial journey. Download the app today to enjoy the numerous features and benefits Emirates NBD has tailored exclusively for you. Privacy Policy URL: https://www.emiratesnbd.com/en/data-privacy-notice/
Wio Personal
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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Open your Wio Personal account in minutes. Save, spend, borrow, manage, and invest- all in one place. Spend without borders, anywhere. Free multi-currency accounts in AED, USD, EUR, and GBP. Turn your savings into earnings. Get up to 6% interest per annum when you sign up for the Wio Personal 'Salary' Plan or up to 4.75% interest per annum when you sign up for the Wio Personal 'Plus' Plan. One card for debit and credit. Seamlessly switch spending modes, all with the same card. Get rewarded for spending. Earn up to 2% cashback up to 2500 AED/month on all* credit spends with Wio Credit. Cashback, your way. Choose to receive it in your current account, saving space, or invest it in selected stocks. Travel smart, spend smarter. No foreign exchange fees + 1% cashback on your international debit transactions. Move money, minus the hassle. Transfer to 100+ countries with instant currency exchange at highly competitive rates. Instant card, instant access. Use your Wio card online immediately-add it to Apple Pay or Google Pay. Physical card? Order anytime. Virtual cards, real control. Customize your design, set spending limits, and shop securely online or in-store. Access 3,000+ stocks, ETFs, crypto and more-all in one secure platform. Crypto, simplified. Buy & sell directly from your AED account-no detours, no delays. Be IPO-ready. Apply instantly for UAE public listings and boost your share allocation with up to 5x leverage. Security that works for you. Set controls on where and how you spend, backed by powerful encryption.
Screenshots
Verdict
The clearest difference is ratings volume: ENBD X at 19K against Wio Personal's 671. ENBD X also leads on review sentiment (51% vs 43%). On price, rating, update cadence and ads there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 4.7 for ENBD X against 4.8 for Wio Personal. That said, the two scores are not equally well evidenced: ENBD X has 19K ratings behind it against 671, so its average is the more settled of the two. Written reviews are what separate them: 51% of ENBD X's written reviews are positive against 43% of Wio Personal's.
ENBD X ships an update weekly, Wio Personal every 9 days. The most recent releases landed on November 7, 2026 and November 3, 2026 respectively.
| Parameter | ENBD X | Wio Personal |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (19K ratings) | 4.8 (671 ratings) — better |
| Positive reviews | 50.9% of reviews — better | 42.5% of reviews |
| Number of ratings | 19K — better | 671 |
| Update frequency | Weekly — better | Every 9 days |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone | iPhone |
| Requires iOS | 16.0 | 16.0 |
| Further details — not scored | ||
| Size | 693 MB | 421 MB |
| Age rating | 4+ | 4+ |
| Developer | Emirates NBD Bank P.J.S.C | WIO BANK P.J.S.C |
Customer experience
ENBD X
Wio Personal
User reviews
ENBD X
From 19K App Store ratingsWhat we love
- 🚀 Easy to use
- 🚀 Convenient banking
- 🚀 Efficient app
- 🚀 Smooth experience
- 🔒 Secure app
Room to improve
- 🐛 Buggy and glitchy
- 🐛 Crashes and freezes
- 🐛 Unreliable performance
- 🐛 Slow and unresponsive
- 🐛 Disappearing features
Wio Personal
From 671 App Store ratingsWhat we love
- 👍 User-friendly interface
- 🚀 Easy setup
- 💡 Innovative features
- 🚀 Excellent performance
- 🚀 Cutting-edge banking app
Room to improve
- 🐛 Frequent app updates causing issues
- 🔍 Difficult to find basic information
- 🔍 Cluttered and bloated UI
- 🔍 Restricted selling options in investing
- 🔍 Inconsistent cashback rewards
Bugs and requests
ENBD X
Reported bugs
5 issues- Login issues
- Beneficiary disappearance
- Incorrect account balances
- Inability to update profile details
- Failure to complete transactions
Requested features
6 requests- Dark mode option
- Improved transaction history
- Easier account management
- Seamless international transfers
- Enhanced security features
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- Better customer support
Wio Personal
Reported bugs
4 issues- 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
Requested features
6 requests- 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
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- Push notifications instead of SMS for alerts
In-app purchases
ENBD X
No in-app purchases
Wio Personal
No in-app purchases







