Wio Business - Cards

Customer-Friendly Article

Activating and Using Your Wio Business Cards

Your Wio Business Visa Platinum Card gives you the flexibility to manage your business expenses seamlessly. You can use your card as an instant digital card on your phone, convert it into a physical card, and switch spending between your main account balance and your credit line.

Key Features

• Dual Spending Modes: Use the same card for both debit and credit transactions.

• Instant Digital Access: Access your digital card in the app as soon as your account is approved and fully activated.

• Physical Card Option: Order a physical card matching your digital card details (card number, expiry date, and CVV).

• Printed Details: Your physical card displays up to 21 characters for your individual name and 21 characters for your company name.

How to Activate Your Card & Set Your PIN

Once your card is ready in the app:

1. Log in to the Wio Business app.

2. Go to Cards and tap Activate now.

3. Complete the verification prompt (Passcode, Biometrics, or OTP).

4. Enter your chosen 4-digit PIN, then re-enter it to confirm.

5. Your card is now active and ready to use!

Troubleshooting: Card Delivered but "Activate" Button Not Showing?

If your physical card has arrived but the app still shows Out for Delivery, Planned for Delivery, or Reschedule:

• Option 1 (POS Terminal): Make an in-store purchase by inserting your card into a card reader (Chip & PIN) and entering your PIN.

• Option 2 (ATM): Insert your card into any ATM and perform a transaction using your PIN (such as a balance inquiry or cash withdrawal).

Performing either action will automatically activate your physical card. If you still experience issues, please reach out to our Customer Care team through the in-app chat.

How to Switch Between Debit and Credit Spending

If you have an active Wio Business Credit facility, you can choose how each card spends:

1. Open the Wio Business app and tap Cards.

2. Select the card you wish to adjust.

3. Toggle between My Money (Debit) and Wio Credit (Credit).

4. The change takes effect immediately.

Note on ATM Cash Withdrawals: Cash withdrawals from ATMs are always deducted from your current account balance (My Money / Debit mode), even if your card is set to Credit mode.

Managing Card Controls & Security Settings

Take full control over your business spending directly from the app:

• View Card Details: Tap Cards Details to see your Card Number, Expiry Date, and CVV.

• Change Spending Rules: Toggle in-store, online, international, or contactless transactions on/off under your card settings.

• Set Spending Limits: Define daily, weekly, monthly, or overall transaction limits.

• Freeze / Unfreeze: Instantly lock or unlock your card anytime.

• View or Change PIN: Tap Manage card, select View PIN or Change PIN, and verify your identity.

Adding Your Card to Apple Pay or Google Wallet

Option A: From the Wio Business App

1. Open the Wio Business app and navigate to Cards.

2. Tap Add card to Apple/Google Wallet and follow the on-screen instructions.

Option B: From Your Wallet App

1. Open your device's Wallet app.

2. Select Add Payment card.

3. Enter your card details and billing address.

4. Accept the Terms & Conditions and enter the One-Time Password (OTP) sent to your registered mobile number.

Security Note: When manually adding card details directly to digital wallets, an initial transaction limit of AED 5,000 applies for the first 24 hours.

Digital vs. Virtual Cards

Wio Business offers two types of digital card solutions to help you manage day-to-day business expenses, subscriptions, and team spending securely.

Digital vs. Virtual Cards: What’s the Difference?

Automatic Inactivity Protection (Auto-Freeze)

To keep your account secure, shared cards that remain unused are automatically protected:

• Day 45 (Reminder): If a shared card has had no transactions for 45 days, you will receive an email and push notification reminder. No action is taken against the card at this stage.

• Day 60 (Auto-Freeze): If the card remains inactive for a total of 60 days, it is automatically frozen at 8:00 AM to prevent unauthorized use.

• Instant Unfreeze: You can instantly unfreeze the card anytime in the Wio Business app. Unfreezing the card or making a transaction immediately resets the 60-day inactivity timer.

Cards for Joint Authorities (Multi-Signatory Accounts)

Overview

If your company operates under a Joint Authorities governance structure, each authorized signatory can be issued their own dedicated payment card under the company name.

How Joint Authority Cards Work

• Dedicated Cards per Signatory: Each authorized person receives their own card with their individual name and the company name printed on it.

• Card Types Available:

• Virtual Cards: Available instantly for online/digital spending at no extra cost.

• Physical Cards: Can be ordered for delivery across the UAE.

• Transparent Pricing:

• Virtual card creation: Free

• Physical card issuance: AED 49 per card (First-time delivery is free within the UAE).

• Digital replacement: Free

• Physical replacement card: AED 49 (Fee waived for eligible replacement reasons).

How to Request a Card for Joint Authorities

1. Log in to the Wio Business app and navigate to Cards.

2. Select Order plastic / request card issuance.

3. Once submitted, a notification is sent to the other authorized signatory/signatories to approve the request.

4. Once all required approvals are completed, your card is issued and dispatched. Fees (if applicable) are only charged after the request is approved.

Privacy & Account Visibility

• Card Settings & PIN: Each cardholder has exclusive access to manage their own card PIN, freeze/unfreeze toggles, and security settings.

• Alerts & Notifications: Transaction SMS and email alerts are sent directly to the specific cardholder's registered phone number and email.

• Company Statements & History: All transactions made across all authorized cards are visible in the central account transaction history and monthly company statements for transparent bookkeeping.