Wio

Pricing

• •Personal onlyThe monthly fee is waived if you keep a minimum average balance of AED 35,000 per month across all your Wio accounts combined.
• •Personal onlyThe monthly fee is waived if you keep a minimum average balance of AED 3,000 per month across all your Wio accounts combined (current, savings and Wio Invest).
• •Personal onlyThe monthly fee is waived if a minimum average balance of AED 35,000 per month is kept across all Family Leads' and Members' Wio accounts combined.
• •Business onlyThe Grow plan adds Fixed Saving Spaces (term deposits) and pays 1% per year on regular Saving Space balances, neither of which is available on the Essential plan.
• •Business onlyWio Creators promotion (code WIOCREATE): new business customers holding a freelance permit or trade licence in an eligible creative field get 12 months free on the Essential plan. The eligible fields are an indicative list covering content creation and influencer marketing, graphic and web/UX design, photography and videography, digital and social-media marketing, film, media and animation production, advertising, fashion and interior design, and music production. Terms and conditions apply and the offer runs until 30 September 2026.
• •Business onlyOn the Essential plan, Saving Space balances earn no interest and Fixed Saving Spaces (term deposits) are not available; both require upgrading to the Grow plan.
• •Personal onlyThe Salary plan requires a monthly salary of at least AED 15,000 (AED 5,000 for employees of Wio partner companies), credited through the WPS payroll system or another method Wio accepts; if no qualifying salary arrives within two months of opting in, the account reverts to the Plus plan.
• •The plan includes up to 3 free salary payment files a month.
• •The plan includes 1 free salary payment file a month.

Limits

• •Cash deposits are capped at AED 300,000 a day.
• •The AED 750,000 ceiling on local and international transfers works two ways at once: it is both the maximum for a single transfer and the maximum for everything you send in a day.

Payments & transfers

• •Outgoing transfers are supported to more than 100 countries.
• •Each currency gets a dedicated account number and IBAN of its own, rather than a pass-through SWIFT-only arrangement. No cheque book is issued on USD accounts.
• •Each currency gets a dedicated account number and IBAN of its own, rather than a pass-through SWIFT-only arrangement. No cheque book is issued on GBP accounts.
• •Each currency gets a dedicated account number and IBAN of its own, rather than a pass-through SWIFT-only arrangement. No cheque book is issued on EUR accounts.
• •Each currency gets a dedicated account number and IBAN of its own, rather than a pass-through SWIFT-only arrangement.
• •A cheque book is available on the AED account only, not on the USD, GBP or EUR ones.

Crypto

• •Personal onlyCrypto access is available as in-app investing only: Wio Invest (Wio Securities LLC) lets personal customers trade virtual assets and UAE stocks from the AED account. It is a brokerage service, not a transactional crypto wallet.
• •The USD account can be used to trade US stocks through Wio Invest.

Opening an account

• •Personal onlyThe Family plan requires an active family setup: a second Family Lead, a Pocket for a minor member, or a Shared Card for an adult member. Without one, the account reverts to the Salary or Plus plan after two months.

Licence & regulation

• •Wio (legally Wio Bank PJSC) is a fully digital bank with no physical branches, licensed as a commercial bank by the Central Bank of the UAE.