Best Seller · Digital Bank · UAE
WIO Bank
The UAE’s leading digital business bank — multi-currency accounts, cashback and integrations built for SMEs.
3–5 business daysMin balance: Not requiredAED 99/mo (Essential) / AED 249/mo (Grow)
Highlights & benefits
Fast Digital Onboarding
Apply fully online — most accounts are opened within 3–5 business days.
Multi-Currency Accounts
Free AED, USD and EUR accounts for international businesses.
Monthly Cashback
Earn up to AED 2,000 cashback every month on card spend (2%).
Interest-Free Credit
Up to 60 days interest-free credit; business loans up to AED 250,000.
Seamless Integrations
Connects with accounting and payment software out of the box.
Competitive FX Rates
Low-margin currency exchange for international transfers.
Resources
Account Opening Process
Required Documents
Plans & Pricing
Compare plans and features
Documents from the authority
Frequently asked questions
No — WIO has no minimum balance requirement. You only pay the monthly plan fee (from AED 99).
Typically 3–5 business days once your documents are complete and pass the bank’s KYC review.
AED, USD and EUR accounts are included free; additional currencies are available on higher plans.
Yes — WIO integrates with major accounting tools and payment gateways via its API and marketplace.
Terms & conditions
Companies must maintain proper records and provide accurate documentation during the process.
The bank reserves the right to request additional documents or clarifications during the process.
Dubai Business License facilitates the account opening process and is not responsible for the bank’s final approval or rejection decision. Banks reserve the right to decline any application based on their own KYC and compliance criteria.
PRICING DETAILS
1
Note: the payment is prepaid.
100% Money Back Guarantee
Full refund guarantee and no questions asked.
Real Time Dashboard
Track your application status live.
24×7 Operational Support
Round-the-clock support, every day, any time.