Bank profile · Digital bank · 2026
Wio Bank: UAE Bank Profile (2026)
Updated September 2026 · CBUAE register verified methodology
Wio is a digital bank backed by ADQ and e&, popular for personal accounts and especially for freelancer and small-business accounts.
- Type
- Digital bank
- Headquarters
- Abu Dhabi
- Founded
- 2022
- SWIFT/BIC
- —
Overview
About Wio Bank
Wio's strength is business banking for solo entrepreneurs: VAT-ready invoicing, low entry requirements and app-based onboarding.
Personal accounts come with a Visa card and savings tools; everything runs without branches.
Wio Bank is a good fit if you need:
- ✓ Freelancer and micro-business accounts
- ✓ VAT-ready invoicing
- ✓ Fast app onboarding
Products
What Wio Bank offers
- Personal loans
- Credit cards
- Mortgages
- Car loans
- Current accounts
- Savings accounts
- Term deposits
- Business & SME banking
- Private banking & wealth
- International transfers
Product line-ups change; confirm the current offer on the bank's website before applying. We deliberately don't publish rates and fees here — they change too often to be evergreen.
Process
How to open an account
-
Download the app and register with your Emirates ID
-
Confirm your identity with a selfie
-
The account is typically opened the same day or within 1–2 business days after KYC
Document pack
- Emirates ID (UAE residency is required)
- Selfie and short in-app form
- Proof of income — for credit products only
No branch visits; support is in-app. Requirements can change — check the current terms in the app.
Key facts
Wio Bank — key facts
| Type | Digital bank |
|---|---|
| Headquarters | Abu Dhabi |
| Founded | 2022 — backed by ADQ and e& (Etisalat) |
| Ownership | ADQ / e& |
| SWIFT/BIC | — |
| Website | wio.io |
| Head office | Etihad Airways Centre, 5th Floor, Abu Dhabi |
Location
Where to find Wio Bank
Head office: Etihad Airways Centre, 5th Floor, Abu Dhabi
Branch networks and visitor access change — confirm the address and opening hours on the bank's website before you go. The map searches the bank's head office by name; verify the pin before travelling.
FAQ
Wio Bank — FAQ
What kind of bank is Wio Bank?
Wio Bank is a digital bank in the UAE. Founded in 2022 (backed by ADQ and e& (Etisalat)); headquartered in Abu Dhabi.
Who is behind Wio Bank?
Wio Bank is part of ADQ / e&.
What products does Wio Bank offer in the UAE?
Wio Bank's product line-up in the UAE includes Personal loans, Credit cards, Mortgages, Car loans, Current accounts, Savings accounts, Term deposits, Business & SME banking, Private banking & wealth and International transfers.
How do I open an account with Wio Bank?
As a digital bank, Wio Bank opens accounts this way: Download the app and register with your Emirates ID → Confirm your identity with a selfie → The account is typically opened the same day or within 1–2 business days after KYC. The basic document pack: Emirates ID (UAE residency is required), Selfie and short in-app form, Proof of income. No branch visits; support is in-app. Requirements can change — check the current terms in the app.
Is Wio Bank an Islamic bank?
No. Wio Bank is a conventional bank that works with interest-based products.
Choosing between banks?
We match your profile (residency, salary structure, business) to the banks that actually approve it — and prepare the KYC pack to the bank's standard.