Welcome Kit & Physical Card Delivery
Overview
When your Wio Business account is approved, you can start using your digital card immediately for online purchases and mobile wallet payments. You can also order your complimentary welcome kit, which includes your physical Wio Business Visa Platinum Card and your company chequebook.
How to Order Your Welcome Kit or Physical Card
Option A: Order Your Welcome Kit (Physical Card + Chequebook)
Log in to the Wio Business app.
On your dashboard/homepage, tap the Order Your Welcome Kit banner.
Enter your delivery address in the UAE (City, Building/Area, and Office or Apartment/Villa Number).
Review your delivery information and confirm your order.
Option B: Order a Physical Card Later
If you did not request your physical card during onboarding:
Open the Wio Business app and navigate to Cards.
Select Order free physical card.
Enter your UAE delivery address, review the details, and tap to confirm.
Option C: Order a Chequebook Later
From the app homepage, tap Services, then tap Cheques.
Tap order cheque book.
Specify your delivery address, number of chequebooks, review any applicable fees, and tap Order Now.
Delivery Timeline & Tracking
Delivery Timeframe: Physical card and chequebook deliveries typically take 3 to 5 business days across the UAE.
Tracking Your Delivery: Track your shipment directly from the Wio Business app dashboard under the Cards section.
Courier Coordination: Our delivery partner (Aramex) will contact you via phone or WhatsApp to coordinate your delivery window.
How to Manage or Update Your Delivery Details
If you need to change your delivery date or update your delivery address:
Log in to the Wio Business app.
Tap Manage Delivery from the notification banner on your dashboard.
View your Air Waybill (AWB) tracking number and select whether you want to reschedule your delivery date or update your delivery address.
Enter and confirm your updated address details.
- Alternative: You can also manage delivery directly with Aramex by visiting aramex.com or calling 600 544000.
Delivery & Identity Verification Requirements
For your security and compliance with UAE regulations:
In-Person Delivery: The authorized account signatory must receive the package in person.
Emirates ID & Biometric Verification: You must present your original physical Emirates ID to the courier, who will perform a quick biometric (fingerprint) scan upon handover.
How to Activate Your Physical Card Upon Delivery
Your physical card cannot be used for payments while in transit. Once delivered, activate it in seconds:
Open the Wio Business app and go to Cards.
Select your newly delivered physical card.
Tap Activate card (or Activate now) and complete the two-factor authentication (passcode, biometric, or OTP).
Set and confirm your 4-digit PIN.
Troubleshooting: "Activate" Button Not Appearing?
If your card has arrived but the app does not show the activation button, you can trigger automatic card activation by performing any of the following with your PIN:
Make an in-store Chip & PIN purchase (insert your card into any payment terminal and enter your PIN).
Insert your card into any ATM and perform a transaction (such as a balance check or cash withdrawal).
Card Settings, Spending Controls & Security
Take complete control of your business spending directly from the Wio Business app. Customize transaction rules, adjust spending limits, and manage your security settings in real time.
How to Access & Manage Card Settings
Open the Wio Business app and select Cards.
Select the specific card you wish to manage.
Tap Manage Card (or tap the settings gear icon).
From here, you can toggle specific transaction channels on or off:
Contactless payments: Enable or disable contactless (tap-to-pay) transactions.
Online transactions: Enable or disable e-commerce and internet purchases.
ATM withdrawals: Enable or disable cash withdrawals at ATMs.
How to Set, Edit, or Remove Spending Limits
You can set custom spending rules on any physical or virtual card:
To Set or Edit a Limit:
Open Cards $\rightarrow$ select your card $\rightarrow$ tap Manage Card.
Switch on Spending limit.
Choose your preferred limit type (Daily, Weekly, Monthly, or Overall) and enter the desired amount.
Confirm your changes. Once the spending limit is reached, the card will automatically decline additional charges until reset.
To Remove a Custom Limit:
Open Cards $\rightarrow$ select your card $\rightarrow$ tap Manage Card.
Switch off the Spending limit toggle.
The card will revert to standard account banking limits (up to AED 200,000 daily spend limit and AED 50,000 daily ATM cash withdrawal limit).
How to Setup, View, or Change Your Card PIN
To Set Up or Change Your PIN:
Navigate to Cards $\rightarrow$ select your card $\rightarrow$ tap Manage card.
Select Change PIN (or Setup 4-digit PIN).
Enter your account passcode or complete biometric verification.
Enter your new 4-digit PIN, re-enter it to confirm, and submit.
To View Your Existing PIN:
Navigate to Cards $\rightarrow$ select your card $\rightarrow$ tap Manage Card.
Select View PIN and complete your identity verification.
How to Unlock a Card Blocked by Incorrect PIN Entries
If your card PIN is entered incorrectly multiple times, the card is temporarily locked for your protection:
Wait 15 minutes after the last incorrect attempt.
Log in to the Wio Business app and go to Cards.
Tap Unlock Card on the notification banner.
Complete the identity verification prompt (Passcode, Biometric, or OTP).
Set a new 4-digit PIN.
Reset your PIN retry counter by performing one Chip & PIN in-store purchase or ATM transaction using your new PIN.
How to Instantly Freeze or Unfreeze Your Card
If you misplace your card or wish to pause spending:
Open the Wio Business app and go to Cards.
Select your card.
Tap the Freeze icon (❄️) to immediately lock the card. All subsequent payments will be blocked.
Tap the Unfreeze icon (❄️) anytime to instantly unlock the card and resume normal spending. (No 2FA required for freeze/unfreeze).
How to Terminate (Delete) a Virtual Card
Log in to the Wio Business app and navigate to Cards.
Select the virtual card you wish to remove.
Tap Manage Card, scroll down, and tap Terminate card.
Read the disclaimer and tap Terminate Card to confirm.
(Note: Virtual card termination is permanent and free of charge. Any recurring merchant subscriptions tied to this card will stop processing).
In-App Authentication for Online (E-Commerce) Transactions
In compliance with Central Bank of the UAE (CBUAE) regulatory standards, Wio provides an enhanced, highly secure in-app approval process for online card purchases. Instead of waiting for an SMS one-time password (OTP), primary cardholders can approve e-commerce transactions directly within the Wio Business app.
How In-App Authentication Works
1. Initiate Purchase (Merchant Checkout) - Enter your Wio Business card details on the website/app.
2. Receive In-App Prompt - A push notification prompts you to open your Wio Business app.
3. Review & Approve - Check the merchant name and amount, then tap 'Approve' (or 'Reject').
4. Transaction Complete - The merchant checkout page confirms your completed order.
Who Uses In-App Authentication vs. SMS OTP?
User Type | Authentication Method | Details |
Primary Account Signatory / Cardholder | In-App Approval | Push notification & in-app approval screen (SMS fallback is disabled for enhanced security). |
Shared Virtual Cardholders (Employees/Team Members) | SMS OTP | Team members without full app access continue to receive 6-digit verification codes via SMS. |
How to Ensure You Never Miss an Approval Prompt
Enable App Notifications:
iOS: Go to Settings $\rightarrow$ Notifications $\rightarrow$ Wio Business $\rightarrow$ toggle Allow Notifications to ON.
Android: Go to Settings $\rightarrow$ Apps $\rightarrow$ Wio Business $\rightarrow$ Notifications $\rightarrow$ toggle ON.
Enable Biometric Login: Turn on Face ID / Touch ID / Fingerprint login to access approval prompts instantly.
Check the App Inbox: If a push notification does not appear immediately, open the Wio Business app and check your App Inbox for pending approvals.
5-Minute Validity: Authentication prompts remain valid for 5 minutes. If a prompt expires, simply re-initiate the checkout request on the merchant’s website.
Security Reminder: Wio Bank will never call, message, or email you asking for your card PIN, CVV, or authentication approval. Never tap Approve for a transaction you did not initiate.
Card Replacement Guide
If your physical card is lost, damaged, demagnetized, or compromised, you can easily request a replacement directly through the Wio Business app.
Card Replacement Rules & Fees
Digital Card Replacement (First Time): Free
Physical Card Replacement: AED 26.25 (charged from the 2nd replacement onward; fee automatically debited once funds are available in your AED account).
Weekly Limit: You can replace 1 card per week through the app.
Virtual Cards: Virtual cards are not replaced; simply terminate the unwanted virtual card and create a new one instantly for free.
Fee Waivers: Replacement fees are waived for eligible circumstances (e.g., cards captured/retained by an ATM, defective newly issued chips, or unauthorized card fraud reports).
How to Request a Replacement Card via the App
Log in to the Wio Business app and go to Cards.
Select your physical card.
Tap Manage Card $\rightarrow$ tap Replace.
Read the disclaimer and tap replace card.
Select your replacement reason from the menu.
Enter your passcode or two-factor authentication to confirm.
Your old physical card is immediately terminated, a new digital version becomes available instantly in the app, and a replacement physical card is dispatched to your delivery address.
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