# Wio Personal vs SiloSpend

Wio Personal and SiloSpend are too close to call on the numbers: across 5 compared parameters — price, ads, in-app purchases and device support among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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

## The numbers

| Metric | Wio Personal | SiloSpend |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (671 ratings)](https://appshunter.io/ios/app/wio-personal/id1658472726/reviews)** | — |
| Number of ratings | **671** | — |
| Positive reviews | 42.5% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 9 days | — |
| Monetization | Free | — |
| Size | 421 MB | 49 MB |
| Requires iOS | **16.0** | 16.4 |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 4+ |
| Developer | [WIO BANK P.J.S.C](https://appshunter.io/developer/1622363879) | [Zakaria Sofiane SAAID](https://appshunter.io/developer/1851861596) |

## What reviewers say

### 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


### SiloSpend

[App page](https://appshunter.io/ios/app/silospend/id6820300956)

**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 SiloSpend free?

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

### Do Wio Personal or SiloSpend have ads?

Neither Wio Personal nor SiloSpend shows ads.

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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.*