As a Wio Business customer, you can deposit cash into your AED account at any Lulu Exchange branch across the UAE. You can visit the branch yourself or authorize someone else to deposit on your behalf — and no reference number is needed.

? Cash Deposit Fees, Limits & Rules

• Daily limit: You can deposit up to AED 300,000 per day across all cash deposit channels (Lulu Exchange and FAB machines combined).
• Multiple deposits: You can make more than one deposit per day, as long as the total stays within the daily limit.
• Deposit fee: AED 10.50 per transaction.
• No reference number needed: Unlike FAB machine deposits, you don't need to generate a reference number for Lulu Exchange deposits.
• Accepted currencies: AED banknotes are accepted. For deposits in other currencies, check directly with the Lulu Exchange branch staff.
• Processing time: Cash deposits are credited to your account in real time.

? Need a Higher Daily Deposit Limit?

• If the standard AED 300,000 daily limit doesn't meet your business needs, you can request an increase:
• Contact Wio Support through the Wio Business app or by calling 600 500 946.
• Have the following ready:
• Your Business ID / account number
• The new limit amount you'd like
• A brief reason for the increase (e.g., higher transaction volumes, seasonal business needs)
• What to expect:
• Your request will be reviewed based on your account activity.
• The process takes up to 2 business days.
• Approval is not guaranteed — it depends on your account history and usage.
• You may receive an email requesting additional details during the review, so keep an eye on your inbox.
• Once decided, you'll receive an email confirming whether your limit has been increased or if further action is needed.

? Step 1: Set Up Your Deposit in the App

Before heading to a Lulu Exchange branch, open the Wio Business app:

1. Log in to the Wio Business app.
2. On the home page, tap "Add Money".
3. Select Cash Deposit, then choose Lulu Exchange.
4. Review the on-screen instructions and view deposit locations to find a branch near you.
5. Choose who will make the deposit:
1. Depositing yourself? You're already authorized by default — just head to the branch.
2. Sending someone else? Tap "Add Depositor", enter their Emirates ID number and full name, then tap "Save Depositor". Once saved, that person is authorized to deposit cash on your behalf at any supported location.

? Tip: Your daily deposit limit will be shown in the app when you start the process.

? Step 2: Visit a Lulu Exchange Branch

Once you're ready, visit any Lulu Exchange branch in the UAE:

1. Go to the designated deposit counter.
2. Provide your Emirates ID and Wio account number to the staff.
3. Hand over the cash you'd like to deposit.
4. The staff will help you complete a deposit form — double-check the amount before confirming.
5. Collect your receipt for your records.

✅ Your deposit will be credited to your account in real time, as long as the amount is within your daily limit.

? Finding a Lulu Exchange Branch Near You

You can view a full list of Lulu Exchange deposit locations directly in the Wio Business app when you select the Lulu Exchange deposit option.

❓ Frequently Asked Questions

How do I deposit cash at Lulu Exchange?
Open the Wio Business app → tap "Add Money" → select Cash Deposit → choose Lulu Exchange → visit any branch → provide your Emirates ID and Wio account number → hand over your cash → collect your receipt. The funds will appear in your account in real time.

Do I need a reference number?
No. Unlike FAB machine deposits, no reference number is required for Lulu Exchange deposits.

Can someone else deposit cash for me?
Yes. In the app, tap "Add Depositor" and enter the person's Emirates ID and full name. Once saved, they can visit any Lulu Exchange branch to deposit cash on your behalf.

What's the maximum I can deposit per day?
AED 300,000 per day, across all deposit channels combined (Lulu Exchange and FAB machines).

Is there a fee?
Yes, there is a flat fee of AED 10.50 per transaction.

Can I deposit cash in currencies other than AED?
For non-AED deposits, please check directly with the Lulu Exchange branch staff for availability and terms.

Can I withdraw cash from Lulu Exchange?
No, cash withdrawals through Lulu Exchange are not available for Wio Business accounts.

What if the branch staff declines the deposit for my authorized depositor?
Make sure the depositor has been added in the Wio Business app (Step 1 above). If they're already added and the issue persists, contact Wio Support through the app for assistance.

Need Help?

For the quickest and most secure support, you can contact Wio Care directly through the Wio application:

1. Open the Wio app.
2. Tap Support in the top-right corner.
3. Start a chat by sending a simple "Hi" and select the topic you need help with.
4. A Wio Care specialist will assist you shortly.

If you prefer to speak with someone, you can reach Wio Care 24/7 at +971 600 500 946.

Please note: Wio Care support is no longer available via WhatsApp. All support requests are now handled through the Wio app or by phone.

We're always here to help and look forward to assisting you. ?