Comparison

Amex MENA vs Wio Personal

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Amex MENA

Manage your American Express account on the go with this mobile application. Track spending, view transactions, pay bills, and discover exclusive offers. Apply for cards, set spending goals, and earn rewards points.

Highlights
  • Digital card applications
  • Transaction tracking
  • Spending timeline by category
  • Supplementary card management
  • Card PIN management
  • Membership Rewards points
  • Exclusive local and online offers
Features
Read full description

The official Amex (Middle East) B.S.C. Mobile app allows you to access your account from anywhere, safely and securely. Track spend, find offers, pay your bill and enjoy many more features in the Amex MENA app. تطبيق Amex MENA الآن متاح باللغة العربية Benefits and features: - Apply digitally through the app for your Amex Card in the UAE - Choose to navigate in your preferred language, Arabic or English - Instant view of your transactions - View your Spending Timeline and track your spends by categories - Apply for Supplementary Cards for Family and manage with ease - Set up, view or unblock your Card PIN Explore rewards and benefits: - We reward your loyalty, by earning Membership Rewards® points on all your spend. Set up goals within the app to get the things you want, with points that never expire - Access to hundreds of local and online offers on shopping, entertainment, dining and wellness - Book your next trip with American Express, easily submit Concierge travel or lifestyle requests, whenever and wherever you are - Refer your friends and earn rewards when they get approved for a Card The Amex MENA app is for Personal and Corporate Cards issued by American Express Middle East. If your Card is not issued by American Express Middle East, then you will not be able to log-in to the Amex MENA app. All access to the app is subject to and governed by American Express Middle East End User License Agreement.

About

Wio Personal

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
Read full description

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

Amex MENA4 screens
Wio Personal3 screens

Verdict

The call

The clearest difference is rating: Wio Personal at 4.8 against Amex MENA's 2.4. Wio Personal also leads on review sentiment (43% vs 15%) and update cadence (every 9 days vs every 6 weeks). Amex MENA's advantage is device support (3 vs 1) and iOS requirement (13.0 vs 16.0). On price, ads, in-app purchases and monetization model 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

Wio Personal holds the better App Store score, 4.8 against 2.4. That said, the two scores are not equally well evidenced: Wio Personal has 671 ratings behind it against 101, so its average is the more settled of the two. Written reviews point the same way: 15% of Amex MENA's written reviews are positive against 43% of Wio Personal's.

UpkeepUpdate frequency

Amex MENA ships an update every 6 weeks, Wio Personal every 9 days. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.

Scorecard6 real differences · 4 level
Amex MENA versus Wio Personal: the parameters behind the verdict, then further details
ParameterAmex MENAWio Personal
PriceFreeFree
Rating2.4 (101 ratings)4.8 (671 ratings) — better
Positive reviews14.6% of reviews42.5% of reviews — better
Number of ratings101671 — better
Update frequencyEvery 6 weeksEvery 9 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS13.0 — better16.0
Further details — not scored
Size203 MB421 MB
Age rating9+4+
DeveloperAMEX (MIDDLE EAST) B.S.C. (C)WIO BANK P.J.S.C

Customer experience

Amex MENA

All ratings100 ratings
Positive33.0%
Neutral4.0%
Negative63.0%
Written reviews89 reviews
Positive14.6%
Neutral2.2%
Negative83.1%

Wio Personal

All ratings670 ratings
Positive95.5%
Neutral0.6%
Negative3.9%
Written reviews87 reviews
Positive42.5%
Neutral4.6%
Negative52.9%

User reviews

Amex MENA

From 101 App Store ratings

What we love

  • 👍 Covers all features (mentioned once)
  • 👍 User friendly (mentioned once)
  • 👍 Great UI (mentioned once)
  • 👍 Simple to use (mentioned once)
  • 👍 Extremely functional (mentioned once)

Room to improve

  • 👎 Extremely outdated app
  • 👎 App is barely working
  • 👎 Inability to book travel services
  • 👎 App is way behind competition
  • 👎 Login does not work

Wio Personal

From 671 App Store ratings

What 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

Amex MENA

Reported bugs

95 issues
  • Won't allow update
  • Barely working
  • Login does not work
  • App stopped working
  • Technical issues
Show 90 more
  • Non-functional
  • Buggy
  • Acts like browser while using app
  • Unstable
  • Poorly designed
  • Confusing interface
  • Slow interface
  • Full of bugs
  • Nothing works smoothly
  • App crashes during application process
  • Card scan not working
  • App crashes all the time
  • Offers page doesn't load
  • App keeps spinning for offers
  • App gets stuck
  • App blocked in Nigeria
  • Disconnecting during live chat
  • Not compatible with iOS 17
  • Instant crash loop after scanning ID
  • Login works 1/20 times
  • App not working after latest update
  • Full of bugs, low response
  • Loading on every command
  • Application not working
  • Scanning option for old Emirates ID
  • Fix your bugs
  • Not working after last update
  • App crashes
  • Login issues
  • App is slow
  • App is very slow
  • App freezes
  • App is not working
  • App hangs at welcome screen
  • App not optimized for iOS 8.1
  • App not optimized for iOS 8
  • App not optimized for iPhone X
  • App not optimized for iPhone plus
  • Fingerprint option not switched to Face ID
  • App is slow, clunky
  • App not designed for iPhone 6 and 6s screens
  • App freezes on transaction details
  • App not compatible with iOS 13
  • App is old and buggy
  • App looks obsolete
  • App is slow and unresponsive
  • Connection to server is lost
  • App looks like iOS 5
  • Doesn't let you fill boxes on forms
  • Payment terminal does not open
  • App needs to be faster
  • App looks like iOS 8 App
  • App doesn't support iPad screen
  • App uses Face ID to log in but logs in again after logout
  • App is old and needs a facelift
  • App doesn't respond quickly
  • App is slow sometimes
  • App needs to be faster
  • App is slow
  • App is not responsive
  • App is old
  • App is very old fashion
  • App needs a facelift
  • App is dated
  • App is buggy
  • App needs a total makeover
  • App looks 1000 years old
  • App looks like iOS 5
  • App looks like an elementary school project
  • App is 1000 years old
  • App is slow and unresponsive
  • App is buggy
  • App looks dated
  • App is not native iOS
  • App design and functionality very poor
  • App is below par
  • App looks like iOS 5
  • App needs to fix bugs
  • App is very slow
  • App does not log in
  • App needs to be up to date
  • App is old
  • App is slow
  • App is not responsive
  • App is slow
  • App is not responsive
  • App not optimized for iPhone X
  • App not optimized for iPhone plus
  • App is slow, clunky
  • App not designed for iPhone 6 and 6s screens

Requested features

24 requests
  • Allow booking travel services
  • Add Apple Pay and Google Pay support
  • More offers and services online
  • More merchants accepting payment online
  • Improve search engine and sort options for offers
Show 19 more
  • Improve user interface and easy access
  • Add manual option for ID scanning
  • Add Arabic language support
  • Add features like QR code payment
  • Allow selection of any amount for supplement card monthly limit
  • Add unlock blocked cards feature
  • Add redeem points feature
  • Improve UI and refresh functionality
  • Add Qpay (Qatar) payment option
  • Design for iPhone 6 and 6s screens
  • Update to match latest iPhone screen sizes
  • Support for iPhone X and newer iPhones
  • Implement Face ID instead of fingerprint
  • Support for big screen iPads
  • Improve supplementary card form
  • Add dark mode
  • Add advanced analytics dashboard
  • Support for Saudi Arabia accounts
  • Support for AMEX Saudi Arabia

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
Show 1 more
  • Push notifications instead of SMS for alerts

In-app purchases

None

Amex MENA

No in-app purchases

None

Wio Personal

No in-app purchases

Questions

Is Amex MENA free?
Amex MENA 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, Amex MENA or Wio Personal?
Wio Personal is rated higher. Amex MENA averages 2.4 out of 5 from 101 ratings, while Wio Personal averages 4.8 from 671 ratings.
Do Amex MENA or Wio Personal have ads?
Neither Amex MENA nor Wio Personal shows ads.
Which is updated more often, Amex MENA or Wio Personal?
Amex MENA ships an update every 6 weeks, and Wio Personal every 9 days. Most recently, Amex MENA was updated on November 1, 2026 and Wio Personal on November 3, 2026.

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