Cash & Cheque Deposits: Add Money to Your Wio Business Account

Deposit Cash or Cheques Easily — No Branch Visit Needed

With Wio Business, you can add money to your AED account by depositing cash or cheques at convenient locations across the UAE. You can do it yourself or authorize someone else to deposit on your behalf.

Your Deposit Options at a Glance

Cash Deposit Limits

? Need a higher daily limit? Contact Wio Support through the app or call 600-500946. Have your account number, desired limit, and a brief reason ready. Requests are reviewed within 2 business days based on your account activity.

How to Deposit Cash at an FAB Machine

Step 1: Generate a Reference Number

1. Log in to the Wio Business app
2. Tap "Add Money +"
3. Select Cash Deposit → FAB Deposit Machine
4. Choose who will deposit:
   • You? Continue to the next step
   • Someone else? Tap "Add Depositor", enter their Emirates ID and full name, then save

5. A reference number will be generated — it's valid for 7 days and can be used once

Step 2: Visit Any FAB Cash Deposit Machine

1. Select your preferred language on the screen
2. Tap Deposit → Wio Deposit
3. Enter your reference number and confirm
4. Insert your cash
5. Review and confirm the amount
6. Collect your printed deposit slip

✅ Funds appear in your account immediately or within 30 minutes.

How to Deposit Cash at Lulu Exchange

Step 1: Set Up in the App

1. Log in to the Wio Business app
2. Tap "Add Money"
3. Select Cash Deposit → Lulu Exchange
4. View branch locations near you
5. Choose who will deposit:
   • You? You're already authorized — head to the branch
   • Someone else? Tap "Add Depositor", enter their Emirates ID and full name, then save

? No reference number needed for Lulu Exchange deposits — just your Emirates ID and Wio account number.

Step 2: Visit Any Lulu Exchange Branch

1. Go to the deposit counter
2. Show your Emirates ID and provide your Wio account number
3. Hand over your cash
4. Complete the deposit form (double-check the amount)
5. Collect your receipt

✅ Funds are credited to your account in real time.

How to Authorize Someone Else to Deposit for You

Can't visit a deposit location yourself? Authorize someone else:

Adding an Authorized Depositor

1. Open the Wio Business app
2. Tap "Add Money +" → Cash Deposit → choose your deposit method
3. Tap "Add Depositor"
4. Enter their Emirates ID number and full name
5. Tap Save

The authorized person will receive a confirmation notification. They can then deposit cash on your behalf at any supported location.

What they'll need at the location:

• Their Emirates ID
• The Wio reference number (for FAB machines only — not needed at Lulu Exchange)

Removing an Authorized Depositor

1. Open the Cash Deposit section in the app
2. Find the depositor you'd like to remove
3. Swipe left on their name
4. Tap "Delete" to confirm

? You can have multiple authorized depositors saved in the app. Removing someone doesn't cancel an already-generated reference number — contact support if you need to cancel an active reference.

Cheques: Everything You Need to Know

Your Chequebook

When your Wio Business account is approved, you'll receive a welcome kit (delivered by courier) that may include your physical card and a chequebook.

Good to know:

• The company name on your chequebook is limited to 38 characters — longer names may be abbreviated
• The delivery must be received by an authorized person with a valid Emirates ID

How to Write a Cheque

1. Date — Write today's date (post-dated cheques are not accepted)
2. Pay to — Write the full legal name of the person or company, exactly as it appears in their bank records
3. Amount in words — Write clearly (e.g., "Five Thousand Dirhams Only")
4. Amount in figures — Write the same amount in the number box
5. Signature — Use the same signature you registered with Wio
6. Security tip — Cross out "Bearer" and draw two parallel lines in the top-left corner so only the named person can cash it

? Cheques are valid for 6 months (180 days) from the date written on them.

How to Deposit a Cheque

You can deposit cheques at any FAB deposit machine across the UAE:

1. Log in to the Wio Business app
2. Tap "Services" → "Cheques" → "Deposit Cheque"
3. Choose whether you'll deposit yourself or send an authorized depositor
4. View deposit locations to find the nearest FAB machine
5. A reference number will be generated (valid for 7 days, one-time use)
6. At the FAB machine, select "Wio Deposit"
7. Enter your reference number and confirm
8. Insert your cheque and confirm the details
9. Collect your deposit slip

⏱️ Cheque deposits take up to 3 business days to clear.

Important rules:

• Only FAB machines can process Wio cheque deposits (not FAB branch counters or other banks)
• Only local AED cheques are accepted — international cheques and other currencies (including USD) are not supported
• Post-dated cheques are not accepted
• The clearing system does not operate on Sundays

Cheque Pickup Service

Have a large cheque that won't fit in the machine, or having trouble at a machine? Request a pickup:

1. Contact Wio Support through the app
2. A courier will contact you within 24 hours to schedule collection
3. Pickup hours: 10:00 AM – 6:00 PM
4. Once collected, your cheque enters the normal clearing process (up to 3 business days)

Cheque Clearing Times

Returned (Bounced) Cheques

A cheque can be returned if it can't be processed. Common reasons:

• Insufficient funds in the issuer's account
• Signature doesn't match the one on file
• Other issues flagged by the issuing bank

What happens:

• You'll receive the original cheque and a return notice explaining the reason, delivered to your registered address within 2–3 business days
• The cheque can only be handed to the authorized signatory on the account

Can you redeposit a returned cheque?

• Returned for insufficient funds? Yes — redeposit within 6 months once the issuer has enough funds
• Returned for signature mismatch? Yes — once the issuer updates their signature with their bank, redeposit within 6 months

⚠️ Important: If cheques you've written bounce 4 times within 12 months due to insufficient funds, your cheque services will be suspended and your account may be reviewed for closure. You'll receive email warnings after each bounce. Always ensure your account has enough funds to cover any cheques you've issued.

How to Stop a Cheque

Need to cancel a cheque before it's been cashed?

1. Contact Wio Support through the app
2. Provide the cheque number and amount
3. The stop request must be placed before the cheque is presented for payment

How to Reorder Your Chequebook

To reorder:

1. Open the Wio Business app
2. Navigate to the chequebook section
3. Follow the prompts to place your order

Your new chequebook will be delivered by courier. You can track delivery status online.

How to View a Cheque Image or Request a Return Statement

• Cheque image: If you deposited a cheque through an FAB machine, you can view the cheque image directly in the Wio Business app
• Return statement: If you need an official statement confirming a cheque was returned (for legal or record-keeping purposes), contact Wio Support through the app

Frequently Asked Questions

Cash Deposits

What's the daily deposit limit?
AED 300,000 per day across all channels (FAB machines + Lulu Exchange combined).

Can someone else deposit cash for me?
Yes — add them as an authorized depositor in the app. They'll need their Emirates ID and (for FAB machines) the reference number you generated.

Do I need a reference number for Lulu Exchange?
No. Just bring your Emirates ID and Wio account number.

Do I need a reference number for FAB machines?
Yes. Generate one in the app before visiting — it's valid for 7 days and works once.

Can I deposit cash in currencies other than AED?
At FAB machines, only AED is accepted. At Lulu Exchange, check with branch staff for other currency availability.

Can I withdraw cash from Lulu Exchange?
No — cash withdrawals through Lulu Exchange are not available.

How quickly will my cash deposit appear?
FAB machines: immediately or within 30 minutes. Lulu Exchange: real time.

Can I request a higher daily limit?
Yes — contact Wio Support through the app. Requests are reviewed within 2 business days based on your account activity.

Cheques

How long does a deposited cheque take to clear?
Up to 3 business days.

Can I deposit cheques in USD or other currencies?
No — only local AED cheques are accepted.

Can I deposit a post-dated cheque?
No — post-dated cheques are not accepted.

What happens if a cheque I deposited bounces?
The original cheque and a return notice will be delivered to you within 2–3 business days. Depending on the reason, you may be able to redeposit it within 6 months.

What if a cheque won't fit in the FAB machine?
Contact Wio Support through the app to arrange a cheque pickup service.

Can I stop a cheque I've already written?
Yes — contact Wio Support before the cheque is cashed.

What happens if I have 4 bounced cheques?
Your cheque services will be suspended and your account may be reviewed for closure. You'll receive email warnings after each bounce.

How do I reorder a chequebook?
Through the Wio Business app. Your first chequebook is free; additional ones cost AED 10.50 (10 leaves) or AED 26.25 (25 leaves).

Helpful Terms

Need Help?

• Chat: Open the Wio app → tap Support → send "Hi"
• Call: 600-500946 (available 24/7)