Wio vs Finom.
Wio (W77/100) and Finom (F64/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Wio leads Finom 5-3.
| F Finom №45 · DNB 64 /100 | W Wio №13 · CBUAE 77 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 64 /100 | 77 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 0.70% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | E-money inst. DNB | Full bank CBUAE |
| Deposit guarantee Per depositor | Safeguarded EU.DGS.NL | €250,000 AE.DPS |
| Reach | ||
| Markets served Licensed jurisdictions | 7 countries | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | 4.5 ★ 8k reviews | — |
| 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 Finom if…
The EU SMB-focused EMI platform that solves the multi-country invoicing-plus-accounting-integration problem better than Qonto, Wise Business, and Revolut Business — local IBAN issuance across NL/DE/FR/IT/ES/PL plus native DATEV / Lexoffice (Germany) and Pennylane (France) integrations is the workflow win for SMBs operating across multiple EU markets. The freelancer-plus-SMB onboarding is structurally paved across entity types (sole trader, GmbH, SARL, BV, SAS, Sp. z o.o., S.R.L.), making Finom the structural fit for German freelancers and EU operators who need country-specific local IBANs without running multiple bank relationships.
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. AE DPS cover under the new UAE Deposit Protection Scheme.
- Best for fees Wio won 1 of 4
- Best for protection Wio won 2 of 2
- Best for reach Tied
- Best for ux Finom won 2 of 2
Wio vs Finom — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Finom better than Wio?
Under our v3 methodology, Wio leads Finom 5–3 across 12 dimensions. Composite scores: Finom 64/100 vs Wio 77/100. Wio is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Finom or Wio cheaper?
Monthly fee — Finom: €0; Wio: €0. Card FX markup — Finom: 0.70%; 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, Finom or Wio?
Finom holds a E-money inst. licence under DNB; deposit guarantee per depositor: Safeguarded. Wio holds a Full bank licence under CBUAE; deposit guarantee per depositor: €250,000. Wio is the stronger pick on regulatory protection.
Where can I use Finom and Wio?
Finom operates in 7 countries; 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.