# ENBD X vs Wio Personal

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.

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.

## The numbers

| Metric | ENBD X | Wio Personal |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (19K ratings)](https://appshunter.io/ios/app/enbd-x/id1497518128/reviews) | **[4.8 (671 ratings)](https://appshunter.io/ios/app/wio-personal/id1658472726/reviews)** |
| Number of ratings | **19K** | 671 |
| Positive reviews | **50.9% of reviews** | 42.5% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Weekly** | Every 9 days |
| Monetization | Free | Free |
| Size | 693 MB | 421 MB |
| Requires iOS | 16.0 | 16.0 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Emirates NBD Bank P.J.S.C](https://appshunter.io/developer/498214446) | [WIO BANK P.J.S.C](https://appshunter.io/developer/1622363879) |

## What reviewers say

### ENBD X

[App page](https://appshunter.io/ios/app/enbd-x/id1497518128)

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.

**Highlights:** 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

**Features:** Apple Wallet, Vision Pro support, iPhone Duo support

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to use
- 🚀 Convenient banking
- 🚀 Efficient app
- 🚀 Smooth experience
- 🔒 Secure app

**What reviewers complain about**

- 🐛 Buggy and glitchy
- 🐛 Crashes and freezes
- 🐛 Unreliable performance
- 🐛 Slow and unresponsive
- 🐛 Disappearing features

**Reported bugs**

- Login issues
- Beneficiary disappearance
- Incorrect account balances
- Inability to update profile details
- Failure to complete transactions

**Requested features**

- Dark mode option
- Improved transaction history
- Easier account management
- Seamless international transfers
- Enhanced security features


### Wio Personal

[App page](https://appshunter.io/ios/app/wio-personal/id1658472726)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

- 🐛 Frequent app updates causing issues
- 🔍 Difficult to find basic information
- 🔍 Cluttered and bloated UI
- 🔍 Restricted selling options in investing
- 🔍 Inconsistent cashback rewards

**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

**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


## Frequently asked questions

### Is ENBD X free?

ENBD X is free to download, with no in-app purchases.

### Is Wio Personal free?

Wio Personal is free to download, with no in-app purchases.

### Which has better reviews, ENBD X or Wio Personal?

Wio Personal is rated higher. ENBD X averages 4.7 out of 5 from 19K ratings, while Wio Personal averages 4.8 from 671 ratings.

### Do ENBD X or Wio Personal have ads?

Neither ENBD X nor Wio Personal shows ads.

### Which is updated more often, ENBD X or Wio Personal?

ENBD X ships an update weekly, and Wio Personal every 9 days. Most recently, ENBD X was updated on November 7, 2026 and Wio Personal on November 3, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*