United Arab Emirates
activeFeaturedNeobankBusiness banking
- HQ
- London
- Fee
- Free personal
Bankiom
Dubai AI-wealth pitch. Not a CBUAE bank. Keep the name so stale roundups cannot pretend it is a current account.
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5.0Caution
AlternativesFive questions
At a glance
Is it a bank?
No. Bankiom is not a bank. Your money sits with Not a bank — partner stack if any card still issues.
If it fails?
Not a CBUAE bank deposit. Live site is an AI wealth agent. Historic cards sat at an unnamed partner. Treat as a software pitch, not an account.
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
Product unclear — confirm live
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
5.0
/10 · Caution
Bankiom is not a bank. The 2021 pitch was a millennial digital bank with a partner-issued card. The 2026 homepage is an autonomous AI wealth agent. Liberty House, DIFC, is an office, not a licence. Do not open a salary file here.
What it is
Same pattern as alt.bank: keep the slug so scraped roundups cannot outrank a desk file that says the quiet part. If a card still issues, the partner is the object. If it does not, this is a landing page.
Best for: Nobody looking for a UAE salary account. Listed so a 2021 directory cannot launder it into a bank.
Last checked 2026-08-28. Not advice.
What it does well
- +The live site no longer pretends to be a bank
- +Named as fintech
- +Useful as a negative example
What to watch
- −Not CBUAE
- −No deposit scheme
- −Product pivoted to AI copy
- −Partner bank was never the headline
Who holds the money
The account
How money actually moves
- Who holds the cash
- E-money / stored-value — not a bank deposit
- How money moves
- In-app ledger
- Built for
- Personal · Investing
- Settlement
- App-ledger instant; bank rails per corridor
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- Bankiom has no card listed on this file.
Licence first
Safety
Not a CBUAE bank deposit. Live site is an AI wealth agent. Historic cards sat at an unnamed partner. Treat as a software pitch, not an account.
Who holds the money: Not a bank — partner stack if any card still issues
- UAE / DIFC perimeter — confirm live entityFintech. Not a CBUAE bank · United Arab Emirates
Fees
- Monthly
- Product unclear — confirm live
- FX markup
- Not the job
- ATM
- Not a salary debit
Features
- –IBAN
- –Fee-free core
- –Multi-currency
- –Apple Pay
- –Google Pay
- –Virtual card
- –Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- AI wealth-agent pitch
- Historic lifestyle card
- DIFC address
- Not a current account
Score
- Safety25%
- 4.2
- Fees20%
- 5.5
- Features15%
- 5.0
- App15%
- 5.8
- Global15%
- 4.8
- Support10%
- 5.0
Change log
Full logStatus
AI wealth agent, not a CBUAE bank
Keep the slug so a 2021 roundup cannot pretend it is a current account.
Available in
Straight answers
FAQ
01Is Bankiom a bank?
Bankiom is not a licensed deposit-taker in the classic sense. Money, if any, sits with Not a bank — partner stack if any card still issues.
02How is money protected?
Not a CBUAE bank deposit. Live site is an AI wealth agent. Historic cards sat at an unnamed partner. Treat as a software pitch, not an account.
03Where is Bankiom available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with Bankiom.
04Card and wallets?
Bankiom has no card listed on this file.
05Can I open Bankiom remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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