# Wio Personal vs Mal Digital

The clearest difference is review sentiment: Mal Digital at 100% against Wio Personal's 42%. Mal Digital also leads on update cadence (every 2 days vs every 9 days) and rating (5.0 vs 4.8). Wio Personal's advantage is ratings volume (669 vs 4). On price, ads, in-app purchases and monetization model there is nothing between them.

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

Mal Digital holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Wio Personal has 669 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 42% of Wio Personal's written reviews are positive against 100% of Mal Digital's.

Wio Personal ships an update every 9 days, Mal Digital every 2 days. The most recent releases landed on October 24, 2026 and October 23, 2026 respectively.

## The numbers

| Metric | Wio Personal | Mal Digital |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (669 ratings)](https://appshunter.io/ios/app/wio-personal/id1658472726/reviews) | **[5.0 (4 ratings)](https://appshunter.io/ios/app/mal-digital/id6775489610/reviews)** |
| Number of ratings | **669** | 4 |
| Positive reviews | 42.4% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 9 days | **Every 2 days** |
| Monetization | Free | Free |
| Size | 421 MB | 326 MB |
| Requires iOS | 16.0 | 16.0 |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 17+ |
| Developer | [WIO BANK P.J.S.C](https://appshunter.io/developer/1622363879) | [MalBank](https://appshunter.io/developer/1831945288) |

## 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


### Mal Digital

[App page](https://appshunter.io/ios/app/mal-digital/id6775489610)

An AI-first digital bank designed with Islamic values, offering a modern approach to managing your finances. It helps you understand spending, send money internationally, and save for goals, all within one intuitive platform.

**Highlights:** AI-first banking experience, Islamic values guided, International money transfers, Spending analysis, Savings goals, Zakat calculation

**Features:** macOS Compatibility, Apple Wallet, 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 Mal Digital free?

Mal Digital is free to download, with no in-app purchases.

### Which has better reviews, Wio Personal or Mal Digital?

Mal Digital is rated higher. Wio Personal averages 4.8 out of 5 from 669 ratings, while Mal Digital averages 5.0 from 4 ratings.

### Do Wio Personal or Mal Digital have ads?

Neither Wio Personal nor Mal Digital shows ads.

### Which is updated more often, Wio Personal or Mal Digital?

Wio Personal ships an update every 9 days, and Mal Digital every 2 days. Most recently, Wio Personal was updated on October 24, 2026 and Mal Digital on October 23, 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.*