WIO Personal

Earn up to 10 Million Etihad Guest Miles through the Wio Personal Etihad Guest Fixed Saving space.

The Wio Personal Etihad Guest fixed saving space will award you Etihad Guest miles instead of interest on your money.

The Wio Personal Etihad Guest Fixed Saving space is a new savings account which will be available to customers alongside the flexible savings space and the fixed deposit space available in the Wio Personal app.

Wio Bank PJSC is the first platform bank in the region, aiming to transform banking operating models towards a more digital future.

How you'll earn miles

  1. Login to your Wio Personal app or download here if you are not a Wio customer yet.
  2. Deposit from AED100,000 up to AED 10,000,000 into your Wio personal app.
  3. Choose your way of saving money as Etihad Guest Miles within the Wio personal app.
  4. Insert your Etihad Guest membership number in the Wio personal app when opening the Etihad Guest Fixed Saving space.
  5. Open the Etihad Guest fixed saving space on Wio Personal by following the instructions on the Wio Personal app and get  your Etihad Guest account within 2 business days.

  • You’ll earn up to 1 Etihad Guest Mile for every 1 AED you deposit into the The Wio Personal Etihad Guest Fixed Savings space via Wio Personal app.

  • Etihad Guest Fixed Saving space is also referred to as Etihad Guest Term Deposits/ Term Deposit.
  • Each Customer may open an Etihad Guest Term Deposits for a minimum of AED 100,000 each. The maximum of each Etihad Guest Term Deposit is 1,000,000 AED when placing a term deposit for 12 months, and 2,000,000 AED when placing a term deposit for 6 months.
  • Each Customer is eligible for up to 10,000,000 Etihad Guest miles. until 31 December 2024.
  • The Customer will receive as consideration for the Term Deposit the equivalent to 1 Etihad Guest  Mile for every AED 1 when placing a term deposit for 12 months period and 0.5 Etihad Guest Mile for every AED 1 placing a deposit for a 6 months period. 
  • Miles will be credited into the Etihad Guest Account provided by the Customer within 2 business days from the date of placing the Term Deposit.
  • The Etihad Guest Term Deposit does not accrue any interest in addition to the Etihad Guest Miles.
  • Etihad Guest Account shall be in the name of the Customer and it will not be permitted to credit any other account. 
  • The Customer shall review the Account Number provided to the Bank and it shall be responsible for any error when providing the number.      
  • Early termination of a Term Deposit will result in penalty of 0.50% calculated over Term Deposit Amount for every remaining month; mid-month closure will result in full month being excluded (i.e. 12 month Term Deposit booked on July 1st , with early closure on Jan 15th , will result in a 6 month penalty amounting to 3% ( 0.50% x 6 months).
  • The Customer acknowledges and accepted that penalty will be deducted principal amount of Term Deposit account with Wio upon the termination of the Term Deposit. 
  • Etihad Guest Miles will not be withdrawn.
  • No partial withdrawal is allowed.            
  • The Customer acknowledges that upon the placement of the Term Deposit, it cannot be terminated without penalty.
  • These terms and conditions are in addition to Wio Bank’s Standard Terms. In case of any discrepancies, these specific terms for the Etihad Guest Fixed Saving Space will take precedence. By participating in the Etihad Guest Fixed Saving Space, the customer acknowledges and agrees to these terms and conditions.