# EFGH Token vs Wio Personal

The clearest difference is update cadence: Wio Personal at every 9 days against EFGH Token's every 9 months. Wio Personal also leads on ratings volume (669 vs 1). EFGH Token's advantage is rating (5.0 vs 4.8) and device support (3 vs 1). 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.

EFGH Token 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 1, so its average is the more settled of the two.

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

## The numbers

| Metric | EFGH Token | Wio Personal |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/efgh-token/id842471562/reviews)** | [4.8 (669 ratings)](https://appshunter.io/ios/app/wio-personal/id1658472726/reviews) |
| Number of ratings | 1 | **669** |
| Positive reviews | — | 42.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 9 months | **Every 9 days** |
| Monetization | Free | Free |
| Size | 14 MB | 421 MB |
| Requires iOS | **12.0** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [EFG Hermes](https://appshunter.io/developer/680273409) | [WIO BANK P.J.S.C](https://appshunter.io/developer/1622363879) |

## What reviewers say

### EFGH Token

[App page](https://appshunter.io/ios/app/efgh-token/id842471562)

This app provides two-factor authentication for secure online logins and transactions via your smartphone. It allows users to safely access EFG-Hermes online applications after activation.

**Highlights:** Two-factor authentication, Secure online logins, Transaction authorization, Smartphone integration, Access to online applications

**In-app purchases:** none


### 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 EFGH Token free?

EFGH Token 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, EFGH Token or Wio Personal?

EFGH Token is rated higher. EFGH Token averages 5.0 out of 5 from 1 ratings, while Wio Personal averages 4.8 from 669 ratings.

### Do EFGH Token or Wio Personal have ads?

Neither EFGH Token nor Wio Personal shows ads.

### Which is updated more often, EFGH Token or Wio Personal?

EFGH Token ships an update every 9 months, and Wio Personal every 9 days. Most recently, EFGH Token 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.*