# Wio Personal vs Pay10 UAE

The clearest difference is ratings volume: Wio Personal at 656 against Pay10 UAE's 1. Pay10 UAE's advantage is rating (5.0 vs 4.8) and iOS requirement (13.0 vs 16.0). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Pay10 UAE holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Wio Personal has 656 ratings behind it against 1, so its average is the more settled of the two.

Wio Personal ships an update every 9 days, Pay10 UAE weekly. Both last shipped on September 20, 2026.

## The numbers

| Metric | Wio Personal | Pay10 UAE |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (656 ratings)](https://appshunter.io/ios/app/wio-personal/id1658472726/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/pay10-uae/id6739810874/reviews)** |
| Number of ratings | **656** | 1 |
| Positive reviews | 43.4% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 9 days | **Weekly** |
| Monetization | Free | Free |
| Size | 417 MB | 206 MB |
| Requires iOS | 16.0 | **13.0** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [WIO BANK P.J.S.C](https://appshunter.io/developer/1622363879) | [Pay Ten Payment Services Provider LLC](https://appshunter.io/developer/1787160070) |

## What reviewers say

### Wio Personal

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

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.

**Highlights:** Multi-currency accounts, Interest on savings, Debit and credit card, Cashback rewards, International money transfers, Stock and crypto investing, Virtual and physical cards

**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


### Pay10 UAE

[App page](https://appshunter.io/ios/app/pay10-uae/id6739810874)

Easily send and receive money with contacts, link to your UAE bank account for seamless payments, and shop with your digital wallet. Securely pay by scanning QR codes and track your spending with real-time notifications.

**Highlights:** Send and receive money, Link UAE bank account, Shop with digital wallet, QR code payments, Real-time notifications, Spending tracking

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

**In-app purchases:** none


## Frequently asked questions

### Is Wio Personal free?

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

### Is Pay10 UAE free?

Pay10 UAE is free to download, with no in-app purchases.

### Which has better reviews, Wio Personal or Pay10 UAE?

Pay10 UAE is rated higher. Wio Personal averages 4.8 out of 5 from 656 ratings, while Pay10 UAE averages 5.0 from 1 ratings.

### Do Wio Personal or Pay10 UAE have ads?

Neither Wio Personal nor Pay10 UAE shows ads.

### Which is updated more often, Wio Personal or Pay10 UAE?

Wio Personal ships an update every 9 days, and Pay10 UAE weekly. Most recently, Wio Personal was updated on September 20, 2026 and Pay10 UAE on September 20, 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.*