TURN YOUR IDEA INTO AN EMPIRE

Seize growth opportunities, simplify operations
and save smarter—all from one powerful platform.

Here's why SMEs love Wio

Opening an account faster than fast

Apply online today—get started in just 3 working days, no minimum balance, and 24/7 customer support for your business.

Your business ideas deserve credit

Get up to AED 250,000 in credit, use it interest-free for 60 days, and earn 2% cashback—all approved online in 3 working days.

Cash when
you need it

Convert your credit into cash with no heavy charges, just daily fees from AED 1.50—flexible and perfect for short-term needs.

Your fast pass to global markets

Get up to 3 free accounts in USD, GBP, EUR, and AED instantly online. Plus, fast transfers and the best FX rates—guaranteed AED to USD at 3.763.

Take the hassle out of the hustle

Create and share virtual cards for every project, instantly send invoices, pay your team on time with WPS for free, and sync effortlessly with Zoho Books, Fiskl, or Wafeq.

You work overtime, so should your money

Save smarter and earn up to 4% p.a. with Savings Spaces. Flexible terms, no minimum deposit, and access your funds anytime—without heavy penalties.

*T&Cs apply.

Opening an account faster than fast

Apply online today—get started in just 3 working days, no minimum balance, and 24/7 customer support for your business.

Your business deserves more than one way to grow

We’ve got financing for every business need:

Wio Business Credit: Empowering your business with credit that drives growth

Supply Chain Financing: A smarter way to support growth for you and your suppliers

Wio Line of Credit: Flexible funding to keep your business moving forward

Learn more about Wio Financing Solutions

*T&Cs apply.

No matter the size or stage of your business,
Wio Business is built for you.

Banking made simple

Easy, fast, and always online

Simply download our Wio Business app to apply for a full bank account from your phone – anytime, anywhere. Manage your account and all your business transactions on the go – with 24/7 mobile and web access.

Manage your expense

Empower your team, without losing control

From expenses to business payments, spend securely with our physical and virtual debit cards. Create unlimited virtual cards instantly for you and your team to spend online or in-store. Set spending limits, lock or terminate cards, and determine how your team members can spend. Plus, get real-time visibility on all transactions!

Track your invoices

Simplified invoicing, quicker payments

Get your invoices paid easily and securely! Prepare and send invoices with Stripe payment links and get notified immediately when they are paid.

Say hello to the future of business banking

Save for important moments

Stay on target with Saving Spaces

Set up multiple Saving Spaces to make sure your VAT, rent, and other bills are always covered. Want to maximize your earnings with minimal effort? Say no more! Earn up to 3%* interest p.a. on all your business savings!

*T&Cs apply

Borrow to expand

Unlock endless trade opportunities, confidently

Wio’s supply chain financing platform provides a seamless and fully digital experience to onboard suppliers, automate payments, repayments and reporting capabilities. If you’re an SME, enjoy early payments on your approved invoices from corporate buyers, and access low-cost financing at below market rates. With our one-click invoice acceptance, get funds credited instantly to your Wio Business account. Interested to learn more? Leave your details here.

Borrow to grow

Boost your business’ working capital

Apply for credit easily – on your existing Wio Business Card – and get a decision within three (3) business days. Get up to AED 250,000 credit limit to run and scale your business! Enjoy zero interest on your borrowed money for up to two months (60 days) with no annual fee or hidden charges. Simply switch between debit and credit mode as needed on any of your Wio Business cards.

*Applicable to select customers only

Borrow to expand

Unlock endless trade opportunities, confidently

Borrow to grow

Boost your business’ working capital

*Applicable to select customers only

Borrow to expand

Unlock endless trade opportunities, confidently

Get perfect-fit plans to supercharge your business

Our account plans are designed to give your business everything it needs to grow

Beyond banking

Multi-user account access

2 users free
(AED 26.25 per additional user per month)

Salary payments (WPS)

1 file free per month (AED 31.50 per additional file)

Invoicing (AED)

Free

Stripe payments

Free sign-up (Stripe fees apply)

Cards & payments

Wio Card

Free (replacement for AED 26.25)

Virtual cards

Free

Wio Business Credit:

Roll over interest: 3.45% per month
Late fee: 199 AED (incl. VAT)

Quick Cash:

1.5 AED per 1,000 AED per day
Late fee: 199 AED (incl. VAT)

International transaction fee*

2%
*All transactions (AED and non-AED) originating outside the UAE (including online merchants)

Multi-currency accounts

Free (USD)

Local transfers

Free

Swift international transfers

AED 52.50

Correspondent banking international transfer fees

Learn more here

Wise international transfers

Wise fees apply

Cash & cheques

Cash withdrawals & deposits (FAB ATMs)

Free

Cash withdrawals (Other UAE ATMs)

AED 2.10

Cash withdrawals (GCC ATMs)

AED 6.30

International cash withdrawals

AED 21

Cash deposits (Lulu Exchange)

AED 10.50

Cheque book

One free (AED 10.50 for 10 leaves & AED 26.25 for 25 leaves)

Returned cheque

AED 105

Stop cheque

AED 52.50

Cheque copy

AED 10.50 per copy

Statements & Others

Audit confirmation letter

AED 105

Account closure letter

AED 105

Balance / Account confirmation letter

AED 105

Signature confirmation letter

AED 105

Liability Letter / No Liability Letter

AED 105

Paper statement

AED 26.25 for each 3 month account statement

Expired trade license fee

AED 210 per month (two months after expiration)

Rewards

Interest on Saving Spaces

Beyond banking

Multi-user account access

2 users free
(AED 26.25 per additional user per month)

Salary payments (WPS)

1 file free per month (AED 31.50 per additional file)

Invoicing (AED)

Free

Stripe payments

Free sign-up (Stripe fees apply)

Cards & payments

Wio Card

Free (replacement for AED 26.25)

Virtual cards

Free

Wio Business Credit:

Roll over interest: 3.45% per month
Late fee: 199 AED (incl. VAT)

Quick Cash:

1.5 AED per 1,000 AED per day
Late fee: 199 AED (incl. VAT)

International transaction fee*

2%
*All transactions (AED and non-AED) originating outside the UAE (including online merchants)

Multi-currency accounts

Free (USD)

Local transfers

Free

Swift international transfers

AED 52.50

Correspondent banking international transfer fees

Learn more here

Wise international transfers

Wise fees apply

Understand how this works

Terms & conditions

Monthly account fees

The monthly subscription fee will be charged 30 days after opening your account.
Start using Saving Spaces on or before March 31, 2024 and earn 3% interest per annum ON THE FIRST 90 DAYS on all Saving Space balances; earn 1% interest per annum thereafter. The interest will be credited to your Saving Space on the first day of the following month.
Once you upgrade to Grow plan, you can enjoy its benefits immediately. You’ll be charged AED 249 on your next billing cycle date.

Correspondent banking fees

If you pay for all fees, you will pay for the Wio charges and the correspondent banking fees listed below: (fee will apply based on currency of account where transfer is made from)

Payment Currency	I will pay for all fees	Account Currency
		AED	USD	EUR	GBP
	USD	63	15.75	15.75	15.75
	EUR	63	15.75	15.75	15.75
	GBP	63	15.75	15.75	15.75
	SAR	27	8	8	8
	INR	4	1	1	1
	AED	USD, EUR, GBP
USD	63	15.75
EUR	63	15.75
GBP	63	15.75
SAR	27	8
INR	4	1

If you share the fees, you will pay for the Wio charges and the beneficiary will pay for the correspondent banking fees listed below.
All USD, EUR, GBP transactions above a value of 1,000 will be charged a correspondent banking fee of 25 (of the respective currency) and transactions below a value of 1,000 will have no correspondent banking fees.For SAR transactions, a correspondent banking fee of SAR 25 will apply.
There may be additional correspondent bank fees applied by the beneficiary’s bank. All related correspondent banking fees will be deducted from the transfer amount and the beneficiary will receive an amount net off all charges.

This Price plan is effective from 14th February 2023.

Are you eligible to open a Wio Business account?

Business types we support

Freelancers with a freelancer permit issued by a licensing authority.

Businesses with joint authorisation to open and operate a bank account for their company.

Sole proprietors or individuals with sole authorisation to open and operate a bank account for their company.

Open an account today

TURN YOUR IDEA INTO AN EMPIRE

Here's why SMEs love Wio

Opening an account faster than fast

Your business ideas deserve credit

Cash whenyou need it

Your fast pass to global markets

Take the hassle out of the hustle

You work overtime, so should your money

Opening an account faster than fast

Your business deserves more than one way to grow

No matter the size or stage of your business, Wio Business is built for you.

Easy, fast, and always online

Empower your team, without losing control

Simplified invoicing, quicker payments

Say hello to the future of business banking

Stay on target with Saving Spaces

Boost your business’ working capital

Get perfect-fit plans to supercharge your business

Understand how this works

Business types we support

Downloadbusiness

Cash when
you need it

No matter the size or stage of your business,
Wio Business is built for you.

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business