Wio's personal accounts charge no fee of their own for an international (SWIFT) transfer. What you can pay is the correspondent-bank fee, which depends on the currency you send in and on who covers the fees. Business accounts do pay Wio a fee: AED 52.50 per SWIFT transfer on the Essential plan and AED 26.25 on Grow, plus correspondent fees. Every figure below comes from Wio's September 2026 Schedule of Fees and includes 5% VAT.
Wio is a fully digital bank, so everything happens in the app. Below: the fee tables, the daily limits, how long a transfer takes, which countries and currencies Wio says it covers, and what to give someone who is sending money to your Wio account.
What Wio charges to send money abroad (personal accounts)
Wio's personal Schedule of Fees lists international transfers as free of Wio charges, and SWIFT copies as free too. What can apply is the correspondent banking fee: the charge from the banks that pass your payment along. The schedule sets it out for two ways of paying, which you choose when you start the transfer.
- You pay all fees. Choose this if you want the recipient to receive the full amount. Wio's schedule says you pay the Wio charges plus the correspondent fee, based on the currency of the account you send from.
- You share the fees. You pay no Wio charge, and the recipient pays the correspondent fees, which are taken out of what they receive. Other banks in the chain may deduct fees too, so the recipient gets the amount net of all charges.
| Payment currency | Fee |
|---|---|
| USD, EUR, GBP, CAD, AUD, CHF, SGD, ZAR, CNY | AED 63 |
| SAR | AED 27 |
| INR | AED 0 |
Sending from a USD, EUR or GBP account instead? The same schedule lists 15.75 (in that currency) for most payment currencies, 8 for SAR and 0 for INR; accounts in other currencies have their own column.
| Payment currency | Deducted from what the recipient gets |
|---|---|
| USD, EUR, GBP, AUD, CAD, payments above 1,000 | 25 in that currency |
| USD, EUR, GBP, AUD, CAD, payments below 1,000 | None |
| CHF, payments above 1,000 | CHF 10 |
| SAR | SAR 25 |
| SGD | SGD 15 |
| CNY | CNY 50 |
One mismatch to know about: Wio's help-centre answer on outward charges (undated) still gives AED 4 for INR transfers, against AED 0 in the September 2026 schedule. The schedule is the newer document, and the fee the app shows before you confirm is the one that applies.
What Wio Business charges
Business accounts pay Wio's own fee on each outward SWIFT transfer in a foreign currency, plus correspondent fees from a separate table in the schedule. Unlike personal accounts, a business that shares the fees still pays Wio's fee; the recipient pays the correspondent fees.
| Plan (monthly subscription) | Wio fee per outward SWIFT transfer |
|---|---|
| Essential (AED 99) | AED 52.50 |
| Grow (AED 249) | AED 26.25 |
Incoming foreign-currency transfers and SWIFT copies are free on both plans. Wio Business can also send through Wise; for that option the schedule says only that Wise fees apply.
Limits and how long a transfer takes
Wio's Key Fact Statement sets a daily limit for local and international transfers combined: AED 300,000 on the personal Standard plan, AED 500,000 on Plus and Salary plans (or the equivalent in other currencies), and AED 750,000 on Wio Business. A single transfer can't exceed the daily limit, and neither can the day's total. Wio says limits can be raised on request after a review of your account activity, and that it can reduce them under its internal policy.
Wio's marketing page says "Transfer from the UAE to anywhere in the world, no limits". The limits above are the ones in its Key Fact Statement and help centre, so plan around those.
On timing, Wio's help centre says international transfers "can take around 3 business days", and to contact Wio if the beneficiary hasn't received one after that. Wio publishes no cut-off time for international transfers; its terms say instructions are subject to cut-off times and daily limits that Wio sets.
Which countries and currencies Wio covers
Wio says Global Transfers reach 100+ countries over the SWIFT network, in AED, GBP, EUR, USD, CAD, AUD and CHF. Its fee schedule lists eleven payment currencies: USD, EUR, GBP, CAD, AUD, CHF, SGD, ZAR, SAR, INR and CNY.
Wio doesn't publish a country-by-country list. We couldn't find Pakistan, Oman, Armenia or Azerbaijan named in its documents, so whether a particular country and bank work is something to confirm with Wio before you rely on it. Wio's terms also say it may investigate and intercept payments to comply with sanctions law.
How to send with Global Transfers
- In the Wio app, open the international transfer option (Wio calls it Global Transfers).
- Add the recipient: full name, account number or IBAN, and the receiving bank's SWIFT/BIC code.
- Choose the currency and amount, and choose who pays the fees: pay all fees so the recipient receives the full amount, or share them.
- Check the exchange rate and any fee the app shows, then confirm.
Receiving money into your Wio account
Each Wio current account has its own IBAN, and Wio's Key Fact Statement says it takes inward local and international transfers on AED, USD, EUR and GBP accounts. Wio says it doesn't charge a fee on incoming transfers, though the sending bank or intermediary banks may take theirs. If less arrives than expected, Wio's help centre points to the sender's choice of charges (BEN or SHA) and to banks along the way converting the money.
Give the sender your full name exactly as it appears on the account, the IBAN of the right currency account, and Wio's SWIFT/BIC code. Wio publishes the code in its 11-character form, WIOBAEADXXX, on its salary plan page, next to its routing code, and labels it for FTS (the UAE's domestic transfer system). The first eight characters, WIOBAEAD, are what our SWIFT page covers. Check the receiving details the Wio app shows for your account before you pass them on.
Wio converts an incoming payment only into the currency of the IBAN it lands in: if someone sends AED to your USD account, Wio converts it at what it calls competitive rates, and if the currency already matches, it doesn't convert. Sender banks sometimes convert to AED before the money reaches Wio, which is a good reason to ask the sender to pay in your account's currency.
Wio Business customers can pass on the correspondent banks Wio's business help centre lists for incoming wires: Citibank NA (CITIUS33XXX) for USD, Citibank London (CITIGB2LXXX) for GBP and Citibank Ireland (CITIIE2XXXX) for EUR. We didn't find an equivalent list for personal accounts.
Moving AED in from another UAE bank, such as ADCB, is a normal local transfer to your Wio IBAN. Wio says a local transfer under AED 25,000 is credited in a few minutes and a larger one can take up to one business day; these are always processed before 9 p.m. and not on Sundays or UAE public holidays. The sending bank's own cut-off still applies: see our guide to bank-to-bank transfers in the UAE and our ADCB guide.
Spending abroad: the card fee
For personal accounts, Wio's schedule lists a 2% foreign exchange transaction fee on non-AED card transactions paid from your AED account, including online merchants. Wio's Key Fact Statement says that if you hold a USD, EUR or GBP account and pay in that same currency, the fee doesn't apply. Wio Business lists a 2% international transaction fee on all transactions originating outside the UAE.
The fee is only part of the cost
Whatever the fee turns out to be, it's still only one part of the cost. The exchange-rate margin is the other, and it's the number that decides most comparisons:
Judge Global Transfers, like any transfer, on what actually lands, not the fee headline alone.
Global Transfers vs an exchange house or app
Wio's pitch is convenience for a digital-native customer who already banks there — no branch, transparent app-based pricing, and a rate shown before you confirm. For sending money home on the big remittance corridors specifically, though, it's still worth comparing against dedicated players: exchange houses like Al Ansari and LuLu, and some app-based providers, specialise in exactly those routes.
Compare the amount received for the same transfer before you send: start with our comparison tool and route pages like AED to INR and AED to PKR, and treat the provider’s own quote as final. Banking with another digital-first option? See our Liv international transfer guide.
Transferring with a different bank?
See how other UAE banks run theirs: Liv (also digital-first), Emirates NBD DirectRemit, ADCB, or Mashreq.