Wio Personal

Wio Personal is a comprehensive financial hub that opens your account in minutes and lets you save, spend, borrow, manage, and invest—all in one place. Enjoy free multi-currency accounts in AED, USD, EUR, and GBP, plus a single card that works as both debit and credit, with virtual cards and easy Apple Pay/Google Pay access.

Earn up to 6% p.a. with the Salary Plan or up to 4.75% p.a. with the Plus Plan, plus up to 2% cashback on eligible credit spends (up to 2500 AED/month). Access 3,000+ stocks/ETFs/crypto, IPO-ready UAE listings, and instant transfers to 100+ countries with competitive currency exchange. No FX fees on travel; secure spending controls and encryption keep your money safe, and you can be IPO-ready with up to 5x leverage.