CBUAE bank in Abu Dhabi. Personal and business. Not a free-zone EMI.
Abu Dhabi · UAE residents / firms · ADQ / Alpha Dhabi / e& / ADNOC-era shareholders — confirm live cap table
7.1Solid
Wio Bank PJSC is a Central Bank of the UAE licensed bank, incorporated in Abu Dhabi, sitting at Etihad Airways Centre, 5th floor. That sentence is the review. Liv and Mashreq NEO are digital skins of incumbent banks. Aspire and Airwallex are not CBUAE deposit-takers. Wio is. Personal (save, salary, spend, credit card, family) and business are different SKUs on the same licence. A tourist App Store listing is not an Emirates ID. Eligible deposits follow the UAE scheme for licensed banks — read the live CBUAE cap; this file does not invent one. Keep a second account if you need a non-AED salary rail.
Best for: UAE residents and onshore firms who want a CBUAE bank, not a free-zone EMI.
Why it beats ruya
Named CBUAE bank, not a payments firm
Personal and business on one group
Abu Dhabi onshore address on the footer
Watch-outs
Emirates ID / residency gated
Guarantee cap must be read on CBUAE, not the app icon
Young bank
Licence
Licensed bank — Wio Bank PJSC
Protection
Wio Bank PJSC is licensed and regulated by the Central Bank of the UAE. Eligible deposits follow the UAE scheme for licensed banks — confirm the live CBUAE guarantee cap on the central bank site. This is not a DFSA/FSRA free-zone wallet.
Monthly
Confirm live tariff in-app — personal and business are different SKUs
UAE’s first fully licensed all-digital bank, on its own homepage. CBUAE. Dubai.
Dubai · UAE digital bank · Private — confirm live
6.9Mixed
Zand Bank PJSC is licensed by the Central Bank of the UAE. Its own homepage calls it the UAE’s first fully licensed all-digital bank. Address on the footer: Emaar Square, Building 6, Level 1, P.O. Box 62593, Dubai. That is a bank file, not a crypto-card file. Digital-asset partnerships sit beside the deposit — they are not the deposit. Wio is the Abu Dhabi peer. Liv is Emirates NBD’s skin. Read the statement entity. Eligible deposits follow the UAE licensed-bank scheme; this file does not invent a dirham cap the homepage did not print.
Best for: UAE firms and residents who want a CBUAE digital bank rather than an incumbent skin.
Why it beats ruya
CBUAE bank named on the footer
All-digital on its own copy
Dubai address published
Watch-outs
Residency / KYC gated
Digital-asset headlines can confuse the deposit
Young bank
Licence
Licensed bank — Zand Bank PJSC
Protection
Zand Bank PJSC is licensed by the Central Bank of the UAE. Eligible deposits follow the UAE scheme for licensed banks — confirm the live CBUAE guarantee cap. Not a crypto exchange with a bank sticker.
Al Maryah Community Bank LLC. CBUAE specialised bank. Mbank app. Not Polish mBank.
Abu Dhabi · UAE community / digital bank · Private — confirm live
7.2Solid
The footer is the review: Al Maryah Community Bank LLC, a Specialized Bank licensed by the Central Bank of the UAE. The app is Mbank UAE. Routing 009710001. SWIFT E097AEXX. Customer care 600 57 1111. FAQ: no minimum balance; UAE Pass; virtual debit then optional physical. Jaywan is the published card scheme — not a Visa tile this file will invent. Wio and Zand are CBUAE banks in their own names. Liv is Emirates NBD. Polish mBank S.A. and Kyrgyz OJSC mBank are different companies. Eligible deposits follow the UAE licensed-bank scheme; this file does not invent a dirham cap.
Best for: UAE residents who want a CBUAE specialised bank in the Mbank app, not Wio and not Polish mBank.
Why it beats ruya
Named CBUAE specialised bank on the footer
SWIFT E097AEXX and routing 009710001 published
No minimum balance on their FAQ
Watch-outs
Specialised-bank class is not a full commercial-bank sticker — read CBUAE
Jaywan is not Visa/Mastercard — international spend may differ
Wahed is a screened robo, not a current account. Pair it with a real bank. Do not describe the cash sleeve as FSCS current-account money without reading the entity.
Best for: Muslims who want a screened portfolio without building one from a brokerage blank page.
Why it beats ruya
Sharia screening is the product
Multi-market entities
Simple onboarding
Watch-outs
Not a bank
Fees on AUM
Halal ≠ risk-free
Licence
Investment adviser / manager — confirm the local entity
Protection
Securities accounts, not a bank deposit scheme — SIPC/FSCS-class wrapping depends on entity
Yuh is not a bank. Swissquote Bank Ltd is. esisuisse cover is CHF 100,000, shared.
Gland · Swiss all-in-one app · Swissquote (100% after July 2025)
7.6Solid
Yuh is not a bank. The English homepage says it in one paragraph: Swissquote Bank Ltd provides the banking, FINMA authorises that bank, and esisuisse cover is CHF 100,000 shared with Swissquote. July 2025 ended the PostFinance joint venture. If you already hold cash at Swissquote, do not count CHF 100,000 twice. Zak is Bank Cler. Neon sits at Hypothekarbank Lenzburg. Read those files separately.
Best for: People who live in Switzerland and want spend plus invest, and who accept Swissquote as the bank.
Why it beats ruya
Official line: Yuh is not a bank
Swissquote Bank Ltd is named
esisuisse CHF 100,000 is printed
Watch-outs
Shared cap with any Swissquote cash you already hold
Swiss residency
Not Zak, not Neon, not Alpian
Licence
Fintech app — not a bank
Protection
Yuh itself is not a bank. Banking sits at Swissquote Bank Ltd, FINMA-authorised. esisuisse covers eligible deposits up to CHF 100,000. Yuh and Swissquote are one entity, so the cap is shared.
Monthly
No fees whenever possible — live list on yuh.com/en/pricing
J.P. Morgan Europe Limited trading as Chase. UK bank, PRA/FCA, FSCS up to £120,000.
London · UK digital bank · JPMorgan Chase
7.6Solid
Chase UK is a bank. The legal name is J.P. Morgan Europe Limited. PRA-authorised, FCA-regulated, FSCS up to £120,000. It is a useful UK current account with honest travel spend. It is not Revolut’s multi-country stack and not a US Chase login. UK tax residents only.
Best for: UK residents who want a JPMorgan current account in an app, with FSCS, and cheap travel spend.
Why it beats ruya
Real UK bank, not an EMI
FSCS £120,000
£0 monthly
Watch-outs
UK residents only
No overdraft
App-only
Licence
UK bank
Protection
FSCS up to £120,000 per depositor per bank (Chase UK FSCS page) at J.P. Morgan Europe Limited.
