Wio vs Conta Azul.
Wio (W77/100) and Conta Azul (C45/100), 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 Conta Azul 5-1.
| C Conta Azul №83 · BACEN 45 /100 | W Wio №13 · CBUAE 77 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 45 /100 | 77 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €89 /mo | €0 Free tier |
| FX markup Debit card abroad | Interbank | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. BACEN | Full bank CBUAE |
| Deposit guarantee Per depositor | Safeguarded BR.FGC | €250,000 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 | 4.3 ★ iOS 4.4 · And 4.2 | 4.2 ★ iOS 4.4 · And 4.0 |
| Read review → | Read review → | |
Pick Conta Azul if…
BR accounting-first platform with the longest operating history in the SMB accounting category (14+ years). Recently expanded into integrated banking via BACEN payment-institution licence — Conta Azul Conta as a workflow extension of the accounting platform. The structural fit for BR Contador-mediated SMBs where the accounting workflow is the operational anchor and banking is the bolt-on, rather than BHub's banking-first integrated approach.
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 Wio won 1 of 3
- Best for ux Conta Azul won 1 of 2
Wio vs Conta Azul — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Conta Azul better than Wio?
Under our v3 methodology, Wio leads Conta Azul 5–1 across 12 dimensions. Composite scores: Conta Azul 45/100 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 Conta Azul or Wio cheaper?
Monthly fee — Conta Azul: €89; Wio: €0. Card FX markup — Conta Azul: Interbank; 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, Conta Azul or Wio?
Conta Azul holds a Payment inst. licence under BACEN; 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 Conta Azul and Wio?
Conta Azul 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.