Minimum salary
No minimum
Wio Personal Current Account
Wio Personal is an app-only current account in AED, USD, EUR and GBP. The plan you pick, Standard, Plus, Salary or Family, sets the monthly fee.
At a glance
Key facts
Monthly FeeFree to AED 49/month
Minimum SalaryNo minimum salary
Account access
Debit card included.
Open in the app.
Your physical debit card becomes available after you submit your Emirates ID.
You can apply while your UAE residency is being processed.
Submit your Emirates ID within 60 days of arrival.
Wio Personal is a current account you open and run entirely in the Wio Personal app. Wio has no branches. You get an account number and IBAN for local and international transfers, and you can hold AED, USD, EUR and GBP accounts side by side. A cheque book is available on request for the AED account only.
Every customer has the same account. What changes is the plan you subscribe to: Standard, Plus, Salary or Family. The plan sets your monthly fee, your daily transfer limit and whether your Wio Saving Spaces earn interest. You can switch plan in the app, once a month.
Who can open it
Salary transfer
Not required
UAE resident or UAE work visa holder
Newcomers can apply with a passport and UAE work visa before the Emirates ID is issued.
Fees and balance
The fee depends on your plan, and each plan has its own way to pay nothing.
- Standard costs AED 25 a month. It is free in a month when your average balance is AED 3,000 or more.
- Plus costs AED 49 a month. It is free with an average balance of AED 35,000 or more.
- Salary is free. It needs a monthly salary of AED 15,000 paid into your Wio account.
- Family costs AED 49 a month. It is free with AED 35,000 across the family's accounts, or when one Wio customer in the family transfers a salary of at least AED 15,000.
The average is counted over the calendar month, across your current accounts, Saving Spaces and investments held with Wio added together. Wio checks it at the end of the month and charges the fee at the start of the next one.
Monthly fee
AED 25
Standard Plan. Waived with an average monthly balance of AED 3,000 across the accounts and investments covered by this plan.
Monthly fee
AED 49
Plus Plan. Waived with an average monthly balance of AED 35,000 across the accounts and investments covered by this plan.
Monthly fee
Free
Salary Plan: monthly salary transfer of AED 15,000. Salary benefits start after the first salary is credited. Without salary by the end of the second full month, the account moves to Plus Plan.
In plain words
- Fee levels
- The monthly fee has more than one level. The condition you meet decides which one applies, and you pay that one level only, never the levels added together. More on this
Benefits
Accounts in Four Currencies
Hold AED, USD, EUR and GBP accounts, each usable for local and international transfers.
Virtual and Physical Debit Card
Create virtual cards in the app and add them to Apple Pay or Google Pay. A physical card is optional.
Card Cashback on Paid Plans
Plus, Salary and Family plans earn cashback on card spending. The Standard Plan does not.
App Only Banking
Wio has no branches. Opening, plan changes and statements all happen in the Wio Personal app.
Cheque book available
Cheque book
How to open
Before you apply
1.Open in the app.
2.Your physical debit card becomes available after you submit your Emirates ID.
3.You can apply while your UAE residency is being processed.
4.Submit your Emirates ID within 60 days of arrival.
5.No minimum salary.
6.Salary transfer is not required.
7.Debit card included.
Application steps
1.Download the Wio Personal app. You can do this before you arrive in the UAE.
2.Apply in the app. If you do not have an Emirates ID yet, use your passport and UAE work visa.
3.Share your new AED IBAN with your employer so your salary can be paid in.
4.Upload your Emirates ID within 60 days of arrival to request a physical debit card and a cheque book.
5.Choose your plan in the app. You can upgrade or downgrade once a month.
Good to know
Good option for
People who want to run their banking from an app and can either keep AED 3,000 with Wio or transfer a salary of AED 15,000. It also suits newcomers who need an IBAN before their Emirates ID arrives.
Consider another account if
You want a branch, or an account that stays free whatever your balance and salary. See accounts with no minimum balance.
How the Salary Plan starts
When you choose the Salary Plan you get Plus Plan benefits while your salary transfer is being set up. Once your first salary is credited, the Salary Plan and its rates apply. If no salary arrives by the end of the second full month, you stay on Plus and the Plus fee rules apply. The salary must come through the Wage Protection System or another route Wio accepts.
If you have just moved to the UAE
You can apply before you have an Emirates ID, using your passport and UAE work visa, even while you are still abroad. The AED account and virtual cards work straight away, so your employer can pay your first salary into your new IBAN. Upload your Emirates ID within 60 days of arrival to get a physical debit card and a cheque book.
Frequently asked questions
Get answers to common questions about the Wio Personal Current Account