Wio Personal is a UAE digital banking app with onboarding through Emirates ID, a virtual card that can be added to Apple Pay and an option to order a physical card. The offer includes up to 6% deposit income and 1% cashback; the bank’s current terms decide whether these features and rates are available.
Opening a Wio Account
Onboarding starts in the Wio Personal app: register and scan an Emirates ID. The process takes about 10 minutes, and this route does not require income confirmation or statements from another bank. The app and bank may request additional checks under current compliance rules.
Virtual and physical card features
After onboarding, the app can provide a virtual card for Apple Pay and lets the customer order a physical card. Delivery, activation and available card features are controlled by Wio’s current product terms rather than by Hello Emirates.
Rates and cashback
The offer includes up to 6% income on deposits and 1% cashback on payments. Check both figures in the app or with the bank before relying on them: rates, eligibility and qualifying transactions can change.
Wio background and corporate figures
Wio is a UAE digital banking platform associated with digital banking, embedded finance and banking-as-a-service. The platform has more than 45,000 opened accounts, AED 2.3 billion in initial capital and an ownership split of 65% for ADQ and Alpha Dhabi, 25% for Etisalat and 10% for First Abu Dhabi Bank.