Wio Bank
Wio Bank is a digital bank / neobank issued on Visa, rated 7.3/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Wio Bank is the strongest fit for free issuance, and asks for ID + proof at signup — we carry it at medium risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Wio Bank · Digital Bank / Neobank |
| Official site | https://www.wio.io |
| Best for | Free issuance |
| Network | Visa |
| Rating | 7.3/10 (3.5★, 936 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | Free |
| Monthly / annual fee | AED 0 personal ··· |
| FX / conversion fee | 0% on pre-loaded GBP/EUR/USD/CAD/AUD/CHF; 2%… ··· |
Verification and risk
| KYC required | Yes |
| Risk level | Medium |
| AVS check | No |
| 3-D Secure | Yes |
Funding and limits
| Bank transfer | Yes |
Billing
| Billing country | United Arab Emirates |
What the issuer states on its own site
- Find out more in Pricing. *6% interest per annum applies when a salary is transferred to Wio.
- If there's a fee, you'll see it clearly in the app.
- With Salary, Family, and Plus plans, every time you pay, you get rewarded, cashback on your credit card spends and access to the ENTERTAINER offers.
- Reinvest or save your cashback and watch your money grow.
Source: https://www.wio.io.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 407445 | Visa | United Arab Emirates | Debit | 165 | 120 | 72.7% |
We logged 120 cleared charges out of 165 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Issuing country
Other Visa virtual cards
Frequently asked
What does Wio Bank cost to run?
The cost lines stack like this: issuing the card is free; the recurring charge is AED 0 personal (min balance AED 3,000 Standard / AED 35,000 Plus); Business from AED 99/mo; conversion is priced at 0% on pre-loaded GBP/EUR/USD/CAD/AUD/CHF; 2% international transaction fee on non-AED spend from AED balance. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Wio Bank?
Wio Bank asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes
How can I fund Wio Bank?
You can fund it with bank transfer. Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Wio Bank need?
Setting it up: cards are issued against United Arab Emirates; an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Will Wio Bank trigger 3-D Secure?
Yes. Wio Bank supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.