About this guide: Use Wio Business on a computer for web banking or on your mobile device through the Wio Business application. Some features are available only on one platform.

Get started with Wio Business

Wio Business helps you manage your business finances, payments, cards, invoices, savings, and account activity in one place.

Choose the right way to access your account

• Web banking: Best for using a laptop, desktop computer, or MacBook. The web app is not designed for mobile devices.

• Mobile application: Use the Wio Business application for mobile-only features, such as ordering cards and managing fixed saving spaces.

How to sign in to web banking

1. Open a web browser on your computer and go to https://wio.io.

2. Select Business, then select Login.

3. Enter the email address linked to your Wio Business account and your password or passcode.

4. Enter the one-time code sent to your registered mobile number.

You can also open Wio Business Web App directly.

Important: Web banking is intended for a laptop, desktop computer, or MacBook. It may not work correctly on a mobile device.

How to sign in with a QR code

QR code sign-in is available when your Wio Business application is version 98 or later.

1. Open the Wio Business web sign-in page and select the QR code.

2. Open your phone camera and scan the QR code.

3. Open the link shown on your phone. It will take you to the Wio Business application.

4. Approve the sign-in request in the application within two minutes.

5. Select Continue on this device (Web).

The QR code refreshes every two minutes and can be used only once. You must complete identity verification in the Wio Business application before you can approve QR code sign-in.

If QR code sign-in does not work

• If you do not have the Wio Business application, you will be directed to download it.

• If you are not signed in to the application, sign in first and try again.

• If identity verification is incomplete, complete it in the application and scan a new QR code.

• If you do not see the approval request, update the application and try again.

Complete identity verification

Identity verification gives you access to secure features such as making transfers, viewing card details, changing your contact details or passcode, and managing biometric settings.

Complete the selfie video verification request in the Wio Business application. If you skip it during sign-in, you can complete it later from the home screen.

Until identity verification is complete, some areas may be view-only. You will be asked to verify your identity when you try to use a restricted feature.

What you can do in web banking

Manage accounts

• View account details and balances.

• View recent transactions and transaction graphs.

• Download monthly statements in PDF or CSV format.

• Download an account confirmation letter.

• View and switch between available currency accounts.

• Exchange AED to USD, EUR, or GBP.

Make payments

• Make local and international payments.

• Create and manage eligible payees.

• Send international SWIFT payments.

• Pay bills, including NOL CARD, DU, Etisalat, and Salik.

• Make salary payments through WPS.

Manage cards

• View card details and PIN.

• Lock or unlock a card.

• Create and terminate virtual cards.

• Set a virtual card spending limit and expiry date.

Manage invoices

• Create, edit, and delete invoices.

• Download and share invoices.

• Send payment reminders.

• Add payment details or link a payment to a transaction.

• Search, sort, and filter invoices.

• Create and edit clients.

How to manage your team

If your account supports multiple users, you can invite a teammate and manage payment requests from Team Requests.

1. Open Settings.

2. Select Your team.

3. View existing users or select the option to invite a teammate.

Each user keeps the permissions assigned to their account.

How to manage saving spaces

• You can create and rename Flexi saving spaces through web banking.

• Fixed saving spaces can be created and managed only in the Wio Business mobile application.

• Recurring movements are not available through web banking.

How to manage cash, cheques, and deposits

From web banking, you can access options for bank transfers, cash deposits, cheque deposits, deposit locations, and exchange between USD and AED. You can also add or remove depositors where available.

To order a Wio Business card, Welcome Kit, or chequebook, use the Wio Business mobile application.

What is available only in the mobile application?

• Business onboarding and document upload.

• Ordering a Wio Business card, Welcome Kit, or chequebook.

• Fixed saving spaces.

• Recurring saving-space movements.

• Using contactless payments, online card payments, and ATM withdrawals through the web app.

• Touch ID or Face ID settings.

Web-only features

• Hide your current balance.

• Hide incoming and outgoing values in the transaction graph.

• Switch the transaction graph between weekly and monthly views.

• Sort transactions.

• View invoice totals by status, including pending, overdue, and draft.

• Set a saving-space goal date.

• Change the language to Arabic.

• Make WPS salary payments.

• Download statements in CSV format.

How to switch between companies

If you are linked to more than one company and this option is enabled for your account, you can switch companies without signing out.

1. Sign in to Wio Business.

2. Open Settings.

3. Select the arrow next to the company name.

4. Select the company you want to view.

Your account view will change to the selected company. Your permissions remain unchanged.

How to fix common sign-in issues

The page is not loading

• Try refreshing the page.

• Clear your browser cache and cookies.

• Try again using the latest version of Google Chrome or Safari on a computer.

You did not receive the one-time code

1. Confirm that you entered the email address and password or passcode correctly.

2. Check that your registered mobile number can receive messages.

3. Wait briefly and request or enter the latest code.

4. If the problem continues, contact support through the available support options.

Frequently asked questions

Web banking is designed for a laptop, desktop computer, or MacBook. Use the Wio Business mobile application on your phone.

Make sure the Wio Business application is updated, you are signed in, and identity verification is complete. Scan a new QR code because each code refreshes after two minutes and can be used only once.

No. Use the Wio Business mobile application to order a Wio Business card, Welcome Kit, or chequebook.

You may need to complete identity verification. Complete the selfie video verification in the Wio Business mobile application, then try again.