Wio Personal
62
Quality Score
Solid
Wio Personal
Medium confidence
✍️ bumetric analysis
“
Wio Personal is an iOS app from WIO BANK P.J.S.C in the Finance category, currently rated 4.8★ across 616 ratings. Initial signal reads as largely positive sentiment, users highlighting consistency and feature depth.
Quality Score is 62: Solid (established niche player). For a Finance app, that means established niche player. The full BU Investment Matrix below scores 8 dimensions including monetisation, growth, and operational risk.
Track changes month-over-month in the Performance section below: live snapshot history and revenue forecast included.
💰 Monthly revenue · now vs forecast
● Right now
$500
per month
→
12-mo forecast
$437 – $1575
per month
→
24-mo forecast
$405 – $3644
per month
INDIE tier
💡 Grow this revenue
Free AI audit of this app’s store listing
- Title & subtitle keyword fit
- Description hook & conversion structure
- Screenshots, ratings, reviews strategy
Typical impact: +2-5× organic installs
📊 Performance Tracking LIVE
Loading…
Rating
—
Reviews
—
Forecast Revenue / mo
—
Snapshots tracked
0
since first record
ONE-TIME · BUILD
💰 Estimated build cost
$145K
↳ What it cost to build · not monthly revenue
Likely range $110K – $195K
$25K · MVP floor
$100K · indie scale
$500K+ · studio build
📈
Slow ROI — current MRR is well below build cost
Synthetic estimate. Inputs: category complexity, file size, screen count, monetization layer, platform reach, age × team-size proxy. Calibrated against 2024-2026 indie-agency rate surveys. Full math + source list on /methodology.
Where the money goes
| 🧱 MVP baseline (design + 1-store ship) | +$28K |
| 📱 5 unique screens × $4.5K | +$22K |
| 📦 Asset bundle (411 MB) | +$40K |
| ⚙ Finance complexity ×1.60 | +$54K |
Total estimate
$145K
👥 Estimated audience size
36K
Lifetime downloads (US-equivalent)
Monthly active
10K
Daily active
4.0K
Synthetic estimate from ratings × category benchmarks. Calibrated against 2024-2026 mobile-attribution retention + DAU/MAU reports. Numbers are US-storefront-equivalent — true global audience can be 5-10× larger for international apps. Full math + source list on /methodology.
How we sized it
| 📲 Finance engagement | ~60 installs / rating |
| 🔁 Finance D30 retention | 28% |
| 📍 DAU / MAU stickiness | 0.40 |
DAU / MAU
40% sticky
🔬
How we forecast this revenue
LOW CONFIDENCEBaseline
$500/mo · ML-estimated from 234 triggers
Growth rate
+6.0% MoM · INDIE tier baseline (compound monthly)
Direction
Headwinds: low defensibility moat
6 months
$426 – $993
12 months
$437 – $1.6K
24 months
$405 – $3.6K
Compound growth at +6.0% MoM (tier baseline for INDIE). Range widens with horizon — typical noise band ±40% at 6mo.. Ranges widen with horizon — distant futures carry more uncertainty.
📊
BU Investment Matrix
Early-stage solo · 41/100INDIE TIERexpected for tierGrowth Velocity
5.0
Founder Strength
3.0
Product Quality
6.7
Revenue Strength
2.7
Monetization Maturity
1.0
Defensibility
2.7
Market Position
2.0
Operational Safety
10.0
- 💰 Revenue: Marginal — $200 - $1250/mo · INDIE tier · medium confidence, trajectory unclear.
- ⭐ Quality: 4.81★ across 616 reviews — solid.
- 📍 Market: Not yet charting in any of the 9 monitored markets.
- 📈 Growth: Insufficient signal to assess trajectory.
- ⚠️ Risk: Low — no material risk signals detected.
🎯 For competitors: Mixed picture. Worth competing if you have a clear UX or pricing edge — otherwise crowded segment.
💵 For acquirers: Estimated asking range 18-32× monthly = $9K-$16K.
Composite of 8 dimensions computed deterministically from public signals — no LLM, every score traces back to a measurable input. Default weights shown; "compete" / "acquire" / "invest" lenses re-weight without re-fetching.
Range:
💰 Forecast Revenue / mo
MODELRevenue forecast computed from BU's 234 trigger model on each snapshot. Calibrated against ground-truth from 58 verified-revenue apps.
🔬Forecast Breakdown — Why This Estimate?Top 10 of 10 triggers
Our ML model uses 200+ signals from public data. These are the most influential for this app:
| Excellent rating (4.8★)METRIC | +$2,200 | |
| bugsREVIEW | −$1,800 | |
| 5 starREVIEW | +$1,800 | |
| cancelledREVIEW | −$1,500 | |
| highly recommendREVIEW | +$1,400 | |
| slowREVIEW | −$1,200 | |
| Ad-supported / freemiumMETRIC | +$600 | |
| Early-stage install base (616 ratings)METRIC | +$400 | |
| Single-language (English only)METRIC | −$400 | |
| Growing app (2y old)METRIC | +$200 |
METRIC = structural app data · REVIEW = mined from user reviews · ✓ VERIFIED = Stripe-verified anchor (TrustMRR)
📈 Reviews Growth
LIVECumulative review count from first BU snapshot. Each point = a tracked update.
⭐ Rating Trend
LIVEAverage rating evolution. Updates with each new review batch.
🆕 What's New · v1.63.1
We've made some improvements to enhance your experience. Thank you for using Wio Personal!
Profile & Insights
Everything we know — and don't — about this app and its company.
Identification
- App name
- Wio Personal
- Developer
- WIO BANK P.J.S.C
- Bundle ID
- io.wio.retail
- App Store URL
- Open in App Store
- Category
- Finance
- Content rating
- 4+
- Languages
- EN
Company
- Website
- Not found
- Tagline
- Company
- Description
- Streamline your finances with Wio Personal — free multi-currency accounts, virtual & physical cards, zero FX fees, up to 2% cashback, and seamless app control.
- Founded
- Not found
- HQ / Address
- Not found
- Employees
- Not found
- Logo
- Available
Revenue
- Verified revenue / mo
- Not found
- AI revenue estimate / mo
- Not found
- AI annual estimate
- Not found
- ML model estimate / mo
- $399/mo
- Top-grossing rank
- Outside top 100 in US Finance
- All-time revenue
- Not found
- Pricing
- Not found
Founder
- Name
- Not found
- X / Twitter
- twitter.com/WioBank
- linkedin.com/company/wiobank
- GitHub
- Not found
- X followers
- Not found
- Public statements
- Not found
Funding
Funding data not yet collected for this app.
Press & Links
Press & Links data not yet collected for this app.
Contacts & Socials
- Socials
- facebook facebook.com/wiobank · instagram instagram.com/wiobank · linkedin linkedin.com/company/wiobank · twitter twitter.com/WioBank · youtube youtube.com/channel/UCZQRDNEC9Qso8NXU…
- Not found
- Phone
- Not found
- Contact page
- wio.io/support?from=personal
- About page
- wio.io/about-us
📈Ratings growth616 ratings+1020% lifetimeShow 3-year history estimate ▾
Tracked (24 weeks) Pre-tracking estimate (35 weeks) · model-based, ±5% noise · anchored to release date and current value
🌍Geographic ReachNot ranked
This app is currently outside the top 100 grossing in all 9 countries we monitor (US, UK, DE, FR, JP, CA, AU, BR, IN). Niche or new apps often launch this way — popularity rankings appear once daily revenue clears the regional threshold.
Profile is built from iTunes Lookup + developer site scrape + ML revenue model. Empty fields show "Not found" — additional sources (Crunchbase, X, IndieHackers, Acquire.com) coming.
📝 About this app
Open your Wio Personal account in minutes. Save, spend, borrow, manage, and invest- all in one place.
Spend without borders, anywhere. Free multi-currency accounts in AED, USD, EUR, and GBP.
Turn your savings into earnings. Get up to 6% interest per annum when you sign up for the Wio Personal 'Salary' Plan or up to 4.75% interest per annum when you sign up for the Wio Personal 'Plus' Plan.
One card for debit and credit. Seamlessly switch spending modes, all with the same card.
Get rewarded for spending. Earn up to 2% cashback up to 2500 AED/month on all* credit spends with Wio Credit.… View full description on the official store →
Spend without borders, anywhere. Free multi-currency accounts in AED, USD, EUR, and GBP.
Turn your savings into earnings. Get up to 6% interest per annum when you sign up for the Wio Personal 'Salary' Plan or up to 4.75% interest per annum when you sign up for the Wio Personal 'Plus' Plan.
One card for debit and credit. Seamlessly switch spending modes, all with the same card.
Get rewarded for spending. Earn up to 2% cashback up to 2500 AED/month on all* credit spends with Wio Credit.… View full description on the official store →
App Specs
🔐 Own this app? Claim & verify MRR →💾 411 MB🔞 4+📱 iOS 16.0+🔖 v1.63.1🔄 updated 0d ago🌐 EN📂 Finance💰 Free
📅
What Worked™ · Development Pipeline
9 EVENTS TRACKEDDetected changes in this app over its tracked lifetime — each event links cause (what changed) to effect (what moved). Sorted newest first.See full history →Version history →
2026-05
🔄
Monetization changed: freemium → free
2026-03
⭐
Rating ↑ 2.86 → 4.90 (improved 2.04★)
2026-03
📈
Crossed 50 ratings — social-proof flywheel kicking in
2024-12
📈
Crossed 10 ratings — social-proof flywheel kicking in
2024-12
⭐
Rating ↓ 3.86 → 3.50 (dropped 0.36★)
2024-04
⭐
Rating ↓ 4.00 → 3.40 (dropped 0.60★)
2023-12
⭐
Rating ↑ 3.67 → 4.00 (improved 0.33★)
2023-12
⭐
Rating ↓ 5.00 → 3.67 (dropped 1.33★)
2023-11
🚀
First tracked snapshot — initial data captured
🌍
Multi-Country Performance
Available in 9 of 9 monitored markets| Market | Rating | Reviews | Current version |
|---|---|---|---|
| 🇦🇺 AU | 4.97015★ | 67 | 4.97015★ this version |
| 🇧🇷 BR | 4.93103★ | 29 | 4.93103★ this version |
| 🇨🇦 CA | 4.93276★ | 119 | 4.93276★ this version |
| 🇩🇪 DE | 4.86111★ | 180 | 4.86111★ this version |
| 🇫🇷 FR | 4.96774★ | 248 | 4.96774★ this version |
| 🇬🇧 GB | 4.88446★ | 727 | 4.88446★ this version |
| 🇮🇳 IN | 4.75908★ | 606 | 4.75908★ this version |
| 🇯🇵 JP | 4.96429★ | 28 | 4.96429★ this version |
| 🇺🇸 US | 4.80288★ | 624 | 4.80288★ this version |
🔔
Track this app’s revenue
FREEGet an email when revenue moves by your threshold. No spam, unsubscribe in one click.
📝 Description
95
BU Score · Transcendent
Full revenue analysis
Read the article-style breakdown for Wio Personal: category rank, percentile, growth signal, comparable apps, and how the forecast is calibrated against verified-MRR anchors in this niche.
About this analysis
Why medium confidence: 616 ratings · no founder-verified revenue (model estimate only).
❓ Frequently Asked Questions
4 answers · auto-generated from this app's public dataHow much does Wio Personal make per month?▴
Based on our ML-calibrated revenue forecast, Wio Personal earns approximately $398/mo. This is a US-storefront-equivalent estimate; global revenue can be several times larger for internationally-distributed apps. See the methodology page for the full formula and confidence bands.
What apps are like Wio Personal?▴
Browse the full Finance category catalog to find similar apps with revenue, build cost, audience and tech stack data. Each /p/{slug} page also shows a Compare side-by-side widget with three peer apps from the same niche.
Who makes Wio Personal?▴
Wio Personal is published by WIO BANK P.J.S.C on the Apple App Store. See the full publisher portfolio (other apps by the same developer) via the More by developer block on the product page above.
What is Wio Personal's BU Score?▴
Wio Personal has a BU Score of 62/100 (Solid). The score combines App Store rating, ratings count, monetization model and revenue signals calibrated against founder-verified MRR anchors. See the BU Score formula.