EI + vs Wio Personal
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
EI +
This mobile banking application offers advanced technology and an improved user experience for both new and existing clients. It provides a streamlined way to manage your finances on the go.
- Advanced technology integration
- Enhanced user experience
- Manage finances on the go
- For existing and new clients
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Emirates Islamic's newest mobile banking offering brings the latest in technology, and enhanced user experience to our existing and new clients.
Wio Personal
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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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 monetization model: Wio Personal at free against EI +'s ad-supported. EI +'s advantage is review sentiment (55% vs 43%) and ratings volume (4.6K vs 657). 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 EI + against 4.8 for Wio Personal. That said, the two scores are not equally well evidenced: EI + has 4.6K ratings behind it against 657, so its average is the more settled of the two. Written reviews are what separate them: 55% of EI +'s written reviews are positive against 43% of Wio Personal's.
EI + ships an update every 10 days, Wio Personal every 11 days. Both last shipped on September 25, 2026.
| Parameter | EI + | Wio Personal |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (4.6K ratings) | 4.8 (657 ratings) — better |
| Positive reviews | 55.4% of reviews — better | 43.4% of reviews |
| Number of ratings | 4.6K — better | 657 |
| Update frequency | Every 10 days — better | Every 11 days |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone | iPhone |
| Requires iOS | 16.0 | 16.0 |
| Further details — not scored | ||
| Size | 682 MB | 417 MB |
| Age rating | 4+ | 4+ |
| Developer | Emirates Islamic Bank P.J.S.C | WIO BANK P.J.S.C |
Customer experience
EI +
Wio Personal
User reviews
EI +
From 4.6K App Store ratingsWhat we love
- 🚀 Excellent
- 🚀 Easy to use
- 🚀 Secure and easy access
- 🚀 Impressive UI/UX and features
- 🚀 Instant transfer to mobile
Room to improve
- 🐛 Doesn't work, app crashes
- 🐛 Impossible to reach customer support
- 🐛 Unfriendly app, confusing, and not user-friendly
- 🐛 Terrible app, doesn't function properly
- 🐛 Complicated to use, not user-friendly
Wio Personal
From 657 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
EI +
Reported bugs
5 issues- Credit card balance and transactions not updating
- Can't access credit card details
- Lost all beneficiary accounts and historical data
- Unable to transfer money, international transfers not working
- Forced to re-enter all account details and beneficiaries
Requested features
5 requests- Increase credit card limit
- Provide a link to relationship manager
- Add more communication options
- Improve customer service and response time
- Restore old app features and functionality
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
EI +
No in-app purchases
Wio Personal
No in-app purchases
