This guide covers everything about cheques for Wio Business customers — from writing and depositing cheques, to understanding clearing times, returned cheques, and how to reorder your chequebook.

? Your Chequebook

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

Good to know:

• The company name printed on your chequebook is limited to 38 characters. If your company name is longer, some letters may be shortened to fit.
• Authorized person(s) has to receive the delivery — the recipient needs to show a valid Emirates ID.

✍️ How to Write a Cheque

When filling out a Wio Business cheque:

1. Date — Write the current date. Don't post-date cheques (Wio does not accept post-dated cheques).
2. Pay to — Write the full legal name of the person or company you're paying, exactly as it appears in their bank records.
3. Amount in words — Write the amount in words clearly (e.g., "Five Thousand Dirhams Only").
4. Amount in figures — Write the same amount in numbers in the box provided.
5. Signature — Sign the cheque using the same signature you registered with Wio.
6. Security tip — Cross out the word "Bearer" on the cheque and draw two parallel lines in the top-left corner. This ensures only the named person can cash the cheque.

? Cheque validity: Your cheque is valid for 6 months (180 days) from the date written on it.

? How to Deposit a Cheque

You can deposit cheques at any FAB (First Abu Dhabi Bank) deposit machine across the UAE. Here's how:

Option A: From the Services Menu

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

Option B: From the Home Page

1. Log in to the Wio Business app.
2. Tap the "+" (Add Money) sign next to your current balance.
3. Select Cash/Cheque Deposit → FAB Deposit Machine.
4. Follow steps 4–10 from Option A above.

⏱️ Processing time: Cheque deposits take up to 3 business days to clear and appear in your account.

Important Rules

• Cheques can only be deposited through FAB machines — no other bank's machines are supported.
• FAB branch counters cannot process Wio deposits (machines only).
• Only local AED cheques are accepted — international cheques and cheques in other currencies (including USD) are not accepted.
• Post-dated cheques are not accepted.
• Clearing operates on business days (note: the clearing system does not operate on Sundays).

⏳ Cheque Clearing Times

Once you deposit a cheque, here's what to expect:

? Make sure you have sufficient funds in your account if you've issued cheques to others — cheques can be presented for payment during business hours.

? Returned (Bounced) Cheques

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

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

What happens when a deposited cheque is returned?

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

Can I reuse a returned cheque?

• Returned due to insufficient funds? Yes — you can redeposit it within 6 months, provided the issuer now has enough funds.
• Returned due to signature mismatch? Yes — if the issuer updates their signature with their bank to match the one on the cheque, you can redeposit it within 6 months.

⚠️ Bounced Cheques You've Issued — Important Warning

If cheques you've written bounce 4 times within 12 months due to insufficient funds:

• Your cheque services will be suspended — any further cheques you've issued will be returned unpaid.
• Your account may be reviewed for closure.
• You'll receive an email notification after each bounce warning you about the consequences.

?️ Tip: Always ensure your account has enough funds to cover any cheques you've issued to avoid service suspension.

? Cheque Pickup Service

If you have a manager's cheque (also called a certified or official cheque) that's too large for the FAB machine, or if you're having trouble depositing at a machine, you can request a cheque pickup.

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

? Reordering Your Chequebook

You can order additional chequebooks directly through the Wio Business app.

Chequebook fees:

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 Aramex. You can track delivery at aramex.com/track.

✋ How to Stop a Cheque

If you've issued a cheque and need to cancel it before it's been cashed:

1. Contact Wio Support through the app to place a stop payment request.
2. You'll need to provide the cheque number and amount.
3. The stop request must be placed before the cheque is presented for payment.

? How to Request a Cheque Image or Returned Cheque Statement

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

? Helpful Terms

❓ Frequently Asked Questions

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

Can I deposit cheques in USD or other currencies?
No. Only local AED cheques are accepted. International cheques in any currency are not supported.

Can I deposit a post-dated cheque?
No. Post-dated cheques are not accepted by Wio.

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

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).

Can I stop a cheque I've already written?
Yes — contact Wio Support through the app 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.

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. ?