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WIO Bank is the UAE's first digital-native bank, backed by ADQ, Alpha Dhabi and others. Built mobile-first with the smoothest SME onboarding, native accounting integrations and tiered plans from zero-fee Starter to feature-rich Pro.
WIO Bank is the UAE's first digital-native bank, backed by ADQ, Alpha Dhabi and others. Built mobile-first with the smoothest SME onboarding, native accounting integrations and tiered plans from zero-fee Starter to feature-rich Pro.
WIO Bank is strongest for: UAE SMEs that want purely digital banking with native accounting integration.
Standard document checklist. Breeo prepares and submits in WIO Bank's preferred format to raise approval odds.
Realistic 2026 numbers before you commit.
Starter: zero monthly fee, no minimum balance, limited free transactions. Pro: AED 350 per month, higher transaction allowances, dedicated relationship manager, FX margin discounts, trade finance access.
5 to 10 working days once documents are complete, often the fastest in the UAE. KYC is handled digitally in-app.
Yes. Virtual card is instant inside the app; physical card is couriered in 3 to 5 working days. Apple Pay and Google Pay enabled from the moment the account is active.
Yes on all plans. WIO's payroll module lets you add employees and run WPS salary files directly from the app.
Non-regulated Web3 and crypto consulting activities are usually accepted. Regulated VARA-licensed virtual asset activities need a conversation with WIO's compliance team first; Breeo pre-screens the file before submission.
Send us your trade licence and we will quote the exact next step and timeline for WIO Bank based on your business.
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