Welcome to the Wio Business Letters and Documents Guide. You can generate, download, and request official bank letters and account statements directly from the Wio Business mobile app or web platform anytime.
1. Overview of Available Documents & Letters
Document / Letter | Description | Digital Copy | Physical Copy (Courier Delivery) |
Monthly Account Statement | Detailed transaction summary for chosen time periods (PDF / CSV). | Free (Instant download) | Available upon request (AED 26.25 per 3-month period) |
Account Confirmation Letter | Official stamped letter confirming your account details, IBAN, and SWIFT/BIC. | Free (Instant download) | AED 105 |
Balance Confirmation Letter | Verifies your available balance as of a selected date. | Free (Instant download) | AED 105 |
Audit Confirmation Letter | Bank report of company assets and liabilities sent securely to your auditor. | Free (Sent to auditor) | AED 105 (subject to availability) |
Liability Letter (LL) | Confirms existing credit facilities/liabilities with Wio Bank (valid for 7 days via QR code). | Free (Instant download) | AED 105 |
No Liability Letter (NLL) | Confirms no outstanding financial liabilities with Wio Bank (available 45 days after facility closure). | Free (Instant download) | AED 105 |
VAT Statement | Monthly breakdown of 5% VAT deducted on taxable services and fees. | Free (In-app & monthly email) | AED 26.25 |
Note on Service Limitations: Wio does not issue Letters of Credit or Share Capital Letters, and does not fill in external tax return forms on behalf of businesses.
2. Monthly Account Statements (Mobile App & Web)
Your monthly account statement reflects all transactions across your currency accounts and Saving Spaces. It includes official bank branding and an authentic digital stamp.
Email Notification: Sent on the 2nd of every month for the previous month's activity to your registered email address.
Available Formats: PDF (printer-friendly with official stamp) and CSV (spreadsheet format).
Timeframes Available: Last 3, 6, 12 months, or custom date ranges.
How to Download Account Statements via Mobile App
Option A: From the Home Dashboard
Log in to the Wio Business mobile app.
On the dashboard, tap Accounts and select your desired currency account.
Tap Download Statement (top right corner).
Select the statement month or date range.
Tap generate statement and select PDF or CSV.
Option B: From Account Settings
Go to Settings > Account > Monthly Statements.
Select the statement month or tap customize to filter by specific date ranges, transaction types (local/international transfers, card payments, cash withdrawals, cheques), or specific cards (physical/virtual).
Tap generate statement to download.
Option C: From Support Services
Go to Settings > Support > Most used services.
Tap I want to request a document.
Select Account Statement, choose the period, and tap generate statement.
How to Download Account Statements via Web
Log in to Wio Web.
On the dashboard, click the ⋮ (three dots) menu icon.
Click Download Statement.
Select the statement month and choose either PDF or CSV.
Note: Wio Business Credit statements and credit features (e.g., spending mode toggle, credit lines) are accessed exclusively via the mobile app.
3. Stamped Account Confirmation Letter
An official stamped letter verifying your company name, registered address, account opening date, account number, IBAN, and BIC/SWIFT code.
How to Download Your Account Confirmation Letter
Option A: Via Accounts Menu
Log in to the Wio Business app.
From the dashboard, select Accounts and choose your currency account.
Tap Account Details, then tap Account Confirmation Letter.
Review your document and tap download or share directly.
Option B: Via Support Menu
Log in to the Wio Business app.
Go to Settings > Support > Most used services.
Under Most Used Services, select I want to request a document.
Tap Account Confirmation Letter.
Select the currency account you want confirmed, review the details, and tap download.
4. Balance Confirmation Letter
Verifies your available balances in active accounts as of a specific chosen date, addressed to the organization or authority of your choice.
How to Request a Balance Confirmation Letter
Log in to the Wio Business app and go to Settings.
Tap Support > Most Used Services.
Under All Services, select I want to request a document.
Select Balance Confirmation Letter.
Choose the desired date and select the account(s) to include.
Enter the recipient name under Addressed to whom.
Tap Generate Letter, then review and tap download.
5. Audit Confirmation Letter
When your company auditor requests official confirmation of your bank balances, active accounts, credit facilities, and loans, you can generate an audit report directly.
How to Request an Audit Confirmation Letter
Log in to the Wio Business app.
Go to Settings > Support > Most Used Services.
Under All Services, tap I want to request a document.
Select Audit confirmation letter.
Select the audit period and effective date.
Enter your auditor's details: Auditor's name, Auditor email address, and optional Reference number.
Review the details and tap confirm.
Auditor Access: The official report is emailed directly to your auditor as a secure, password-protected PDF. The password to open the file is your company's Trade License number or Registration number.
6. Liability & No Liability Letters
These official certificates confirm your credit exposure or the total clearance of financial obligations with Wio Bank. Each letter includes a secure, verifiable QR code.
Liability Letter (LL): Lists current credit facilities, limits, and outstanding balances. Valid for 7 days from the issuance date (scanning the QR code displays Valid during this period, and Expired thereafter).
No Liability Letter (NLL): Confirms that you have no outstanding financial liabilities with Wio Bank. Can be generated 45 days after full settlement and closure of all credit facilities (scanning the QR code displays Issued).
How to Request Liability or No Liability Letters
In the Wio Business app, go to Settings > Support.
Tap I want to request a document.
Select Liability Letter or No Liability Letter.
Enter the recipient under Addressed to whom and tap Generate letter.
Preview the letter:
Tap Download letter for an instant free digital copy.
Tap Request physical copy if you require a hard-copy delivery (AED 105 fee applies).
7. Value Added Tax (VAT) Statements
Your monthly VAT statement provides an itemized record of the 5% VAT deducted on bank fees and taxable services.
Automated Delivery: Dispatched by email from
vat@wio.iowithin the first two weeks of every month (available by the 15th for the previous month).Wio Tax Registration Number (TRN):
100446228700003(also printed at the bottom of every VAT statement).
How to Download VAT Statements in the App
Go to Settings > Support > I want to request a document.
Select New document > VAT Statement.
Choose the period and download your statement.
8. Physical Document Delivery & Fees
If you need hard copies delivered to your company address in the UAE, you can order them through the app via courier delivery (Aramex):
Follow the steps for your selected document and choose Request physical copy.
Review the delivery address and associated fees.
Confirm your order. Your document will be printed, stamped, and delivered within 3 to 5 business days. You will receive tracking details via SMS/courier updates.
9. How to View Previously Requested Documents
All digital letters and custom reports you generate are saved in your app for easy access:
Go to Settings > Support.
Tap Previous Requests (or Most Used Services > I want to request a document > previous requests).
Select any previously generated document to view, download, or share again.
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