# Beam vs Wio Personal

The clearest difference is update cadence: Wio Personal at every 9 days against Beam's every 4 months. Beam's advantage is iOS requirement (13.0 vs 16.0). On price, rating, review sentiment and ratings volume there is nothing between them.

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

Wio Personal holds the better App Store score, 4.8 against 4.6. Both are backed by a comparable volume of ratings — 807 and 669 respectively. Written reviews complicate that: 47% of Beam's written reviews are positive against 42% of Wio Personal's, so the app with the better star average is not the one people write more warmly about.

Beam ships an update every 4 months, Wio Personal every 9 days. The most recent releases landed on October 23, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Beam | Wio Personal |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (807 ratings)](https://appshunter.io/ios/app/beam/id560637969/reviews) | **[4.8 (669 ratings)](https://appshunter.io/ios/app/wio-personal/id1658472726/reviews)** |
| Number of ratings | **807** | 669 |
| Positive reviews | **46.9% of reviews** | 42.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Every 9 days** |
| Monetization | Free | Free |
| Size | 57 MB | 421 MB |
| Requires iOS | **13.0** | 16.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [GBC S.A.](https://appshunter.io/developer/1230943315) | [WIO BANK P.J.S.C](https://appshunter.io/developer/1622363879) |

## What reviewers say

### Beam

[App page](https://appshunter.io/ios/app/beam/id560637969)

This app offers personalized deals and dollar rewards from local stores. Merchants can create targeted marketing campaigns to connect with specific customer profiles. It aims to help customers save money, businesses increase profits, and reduce waste.

**Highlights:** Personalized offers from stores, Earn rewards in dollars, Merchant campaign creation, Targeted offers to user profiles, Pay with your phone, 10% back on every spend

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 💰 Rewarding with cash back and discounts
- 🚀 Convenient and easy to use
- 🔒 Secure payment method
- 👍 Smooth and intuitive interface

**What reviewers complain about**

- 🐛 Frequent app crashes and technical issues
- ❌ Limited merchant acceptance and availability
- 🕰️ Slow and unreliable payment processing
- 💸 Unauthorized charges and deductions from accounts
- 🔍 Poor customer support and lack of responsiveness

**Reported bugs**

- App crashes on launch or during use
- Payment transactions fail or get stuck
- Account verification and card linking issues
- Rewards and credits not properly tracked or applied

**Requested features**

- Expand merchant network and availability
- Improve payment reliability and speed
- Provide better customer support channels
- Add Apple Watch support
- Introduce more rewards and discounts


### 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


## Frequently asked questions

### Is Beam free?

Beam 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, Beam or Wio Personal?

Wio Personal is rated higher. Beam averages 4.6 out of 5 from 807 ratings, while Wio Personal averages 4.8 from 669 ratings.

### Do Beam or Wio Personal have ads?

Neither Beam nor Wio Personal shows ads.

### Which is updated more often, Beam or Wio Personal?

Beam ships an update every 4 months, and Wio Personal every 9 days. Most recently, Beam was updated on October 23, 2026 and Wio Personal on October 24, 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.*