Wio review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Wio is a UAE debit card built for people who spend and travel across borders: the monthly fee is AED 0 and the currency conversion fee is 0%, with balances across 7 currencies. Cashback of up to 2% comes through the separate Wio Credit card rather than the debit account.
Key facts
- Best for
- A fee-free multi-currency debit card for UAE residents who travel or hold more than one currency.
- Monthly fee
- AED 0 (Source, checked September 26, 2026)
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Cashback rate
- 2% (Source, checked September 26, 2026)
- Currencies
- 7 (Source, checked September 26, 2026)
- Legal entity
- Wio Bank PJSC (Source, checked September 26, 2026)
- Headquarters
- United Arab Emirates (Source, checked September 26, 2026)
- Support channels
- Help-centre (Source, checked September 26, 2026)
- Features
- Multi-currency, Travel
- Official website
- wio.io
Credit cards
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Rewards type
- Cashback (Source, checked September 26, 2026)
- Rewards rate
- Up to 2% cashback with Wio Credit (Source, checked September 26, 2026)
- Cashback rate
- 2% (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- Wio Bank PJSC (Source, checked September 26, 2026)
- Headquarters
- United Arab Emirates (Source, checked September 26, 2026)
- Support channels
- Help-centre (Source, checked September 26, 2026)
- Features
- Multi-currency, Travel
Pros and cons
Pros
- Currency conversion fee of 0%, placing Wio at 1 of 259 brands compared on that measure.
- No monthly charge on the debit card: the fee is AED 0.
- Multi-currency and travel features, with balances across 7 currencies.
- Regulated in the UAE by the Central Bank of the UAE, with the account held by Wio Bank PJSC.
Cons
- Support runs on help centre only, so there is no direct phone or email line for urgent card problems.
- The cashback sits with Wio Credit, a separate credit card, rather than with the debit card itself.
- Currency coverage is limited to 7 currencies.
Who it suits
- UAE residents who want a debit card with a 0% conversion fee and a AED 0 monthly fee.
- Travellers from the UAE who need 7 currencies in one account and up to 2% cashback on Wio Credit.
Who should look elsewhere
- Wise, whose monthly fee is £0, if a multi-currency account from a different provider suits you better than Wio's 7 currencies.
- Chime Card (Secured Visa Credit Card), whose monthly fee is $0, if you want a secured credit card rather than a debit travel account.
Fees and FX
The debit card carries a monthly fee of AED 0, and the currency conversion fee is 0%. The median conversion fee across the cards compared here is 1%, so Wio's figure sits at the free end of the range, and it places 1 of 259 brands on that measure.
The company behind it
Wio Bank PJSC is the legal entity behind the card, based in United Arab Emirates, and the Central Bank of the UAE is the regulator listed for it. Support runs on help centre, a self-service help centre, so questions about a blocked card or a currency conversion are answered in writing rather than by phone.
How Wio compares
9.3 vs 9.4
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 9.2
9.3 vs 8.8
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 9.0
9.3 vs 8.8
9.3 vs 8.8
9.3 vs 8.7
9.3 vs 9.2
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 8.8
9.3 vs 9.6
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.2
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 8.8
9.3 vs 8.8- 9.3 vs 8.8
- 9.3 vs 8.8
9.3 vs 8.8- 9.3 vs 8.8
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.3
9.3 vs 8.2
9.3 vs 8.0
9.3 vs 8.0
Where Wio is available
- Available
- United Arab Emirates
- Licence in United Arab Emirates
- Central Bank of the UAE, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does the Wio debit card cost each month?+
The monthly fee is AED 0, so holding the debit card carries no monthly charge. The median monthly fee across the cards compared is €0, though the highest on the site reaches €99. Rewards come from a separate card and do not change what the debit account costs.
What does Wio charge to convert currency on a card purchase?+
The currency conversion fee is 0%, which places Wio at 1 of 259 brands on that measure. The median conversion fee across the site is 1%, and among cards with no foreign fee the upper quartile is 0%, so a 0% figure sits at the cheap end of both groups.
How many currencies can I hold and spend in?+
Wio's account covers 7 currencies, with multi-currency and travel among its listed features. That suits a UAE-based reader who earns or spends in more than one currency and wants a 0% conversion fee while abroad, rather than paying the typical 1% reading across the site.
Does the Wio debit card earn cashback?+
Rewards sit with Wio Credit rather than the debit card: cashback of up to 2%, with cashback as the rewards type, applies when that credit card is used. The debit card covers 0% currency conversion across 7 currencies and charges AED 0 a month.
Who is behind Wio and which regulator is listed?+
The account is held by Wio Bank PJSC, based in United Arab Emirates, and the Central Bank of the UAE is the regulator listed for the brand. The debit card charges AED 0 a month with a 0% conversion fee, and support runs on help centre.
How do I get help if something goes wrong with the card?+
Support runs on help centre, so answers come from a help centre rather than a phone line. A help centre suits routine questions about fees, currencies and the Wio Credit card, though a card blocked while you are travelling is a harder one to resolve in a hurry.
Is Wio a debit card or a credit card?+
Both, in effect. The spend account issues a debit card, while Wio Credit is a credit card that comes with the cashback. A reader who only wants spending and multi-currency balances can stay on the debit side, where the conversion fee is 0%; a reader who wants rewards of up to 2% needs the credit card.
Sources
- wio.io checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“Address: Etihad Airways Centre, 5th Floor, Abu Dhabi, UAE”
- wio.io/personal-credit checked September 26, 2026
Backs: Card kind, Cashback rate, Cashback rate, Rewards rate, Rewards type
“Get up to 60 interest-free days”
- wio.io/spend checked September 26, 2026
Backs: Card type, Currencies, Features, Currency conversion fee, Monthly fee
“Just One Card: Debit and Credit”
- wio.io/support checked September 26, 2026
Backs: Support channels
“Need Help?”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.
Related by the facts
Wio
A fee-free multi-currency debit card for UAE residents who travel or hold more than one currency.