Bank Jago vs Wio.
Bank Jago (B75/100) and Wio (W74/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Bank Jago leads Wio 3-2.
| B Bank Jago №22 · Full Indonesian banking licence 75 /100 | W Wio №24 · CBUAE 74 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 74 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 2.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank | Full bank CBUAE |
| Deposit guarantee Per depositor | €2,000,000,000 ID.LPS | Safeguarded AE.DPS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.5 | 4.2 ★ iOS 4.4 · And 4.0 |
| Read review → | Read review → | |
Pick Bank Jago if…
Largest Indonesian neobank by users — ~9M Indonesians. OJK-regulated full bank, IDX-listed (ARTO). GoTo (Gojek + Tokopedia) major shareholder. Multi-pocket structure ('Jago Pockets'). Sharia-compliant Jago Syariah variant.
Pick Wio if…
UAE-native digital full-bank, CBUAE-licensed since 2022. Backed by ADQ + Alpha Dhabi + Mubadala + e&. Instant onboarding via Emirates ID and a multi-currency core (AED + USD + EUR + GBP) make it the strongest local-licensed competitor to Liv. and Mashreq Neo. The UAE has no statutory deposit-guarantee scheme, so deposits rest on the bank's CBUAE licence.
- Best for fees Wio won 1 of 4
- Best for protection Bank Jago won 1 of 2
- Best for reach Wio won 1 of 3
- Best for ux Bank Jago won 1 of 2
Bank Jago vs Wio — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Bank Jago better than Wio?
Under our v3 methodology, Bank Jago leads Wio 3–2 across 12 dimensions. Composite scores: Bank Jago 75/100 vs Wio 74/100. Bank Jago is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Bank Jago or Wio cheaper?
Monthly fee — Bank Jago: €0; Wio: €0. Card FX markup — Bank Jago: 2.00%; Wio: Interbank. Wio wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Bank Jago or Wio?
Bank Jago holds a Full bank licence under Full Indonesian banking licence (OJK regulated); LPS member, IDR 2,000,000,000 cover per depositor per institution. IDX-listed (ARTO).; deposit guarantee per depositor: €2,000,000,000. Wio holds a Full bank licence under CBUAE; deposit guarantee per depositor: Safeguarded. Bank Jago is the stronger pick on regulatory protection.
Where can I use Bank Jago and Wio?
Bank Jago operates in 1 country; Wio operates in 1 country. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.