What makes WIO Bank different from a traditional UAE bank?

WIO is licensed by the UAE Central Bank as a full-stack digital bank, owned by an Abu Dhabi consortium. It offers fast onboarding (often within days), no minimum balance on entry plans, mobile-first features like sub-account Spaces, and a single AED business proposition designed for SMBs and solopreneurs.

Does WIO support sub-accounts or savings goals inside HIBR?

Yes. WIO Bank Spaces (sub-accounts) sync to HIBR as separate GL accounts under the main bank. Useful for ring-fencing VAT due, payroll due, or specific project cash. HIBR auto-suggests reservations when a VAT period closes.

Is WIO Bank regulated?

Yes. WIO holds a full banking licence from the UAE Central Bank. The Open Banking connection runs under the Central Bank's Open Finance Regulation issued in 2024, sitting under Federal Decree-Law 14/2018 on payment systems and electronic payment services.

WIO Bank Integration — HIBR ERP UAE Digital Banking

WIO Bank launched in 2022 and quickly became the UAE's leading mobile-first digital bank for SMBs and solopreneurs. Owned by an Abu Dhabi consortium including ADQ and licensed by the UAE Central Bank, WIO is the bank of choice for freelancers, free-zone licensees, and digital-native businesses that want to open an account in days, hold zero minimum balance, and run their finances from their phone. WIO's most-loved feature for finance teams is Spaces — sub-accounts under the main IBAN that ring-fence cash for VAT, payroll, project deposits, or savings goals. Inside HIBR ERP, the WIO integration treats each Space as its own GL while consolidating the IBAN cash position at group level. Live balances, instant local-payment-rail (IPP) payouts, WPS payroll, and a daily reconciled close — all under the Central Bank's Open Finance Regulation sitting under Federal Decree-Law 14/2018 on payment systems.

What this integration does

Live AED + USD balance sync. Sub-minute refresh on the main account and every active Space. Pending and posted transactions stream separately.
Spaces as GL accounts. Each WIO Space becomes its own ledger account in HIBR — "VAT Reserve Space", "Payroll Reserve Space", "Project XYZ Deposit Space" — with HIBR auto-suggesting reservations when VAT periods close or payroll is approved.
Instant local payouts via IPP. Supplier payments to UAE bank accounts often arrive in seconds via the Instant Payment Platform. HIBR pushes the batch; WIO settles; HIBR reconciles each leg.
WPS payroll submission. SIF generated in HIBR; pushed to WIO; approved in the WIO app; staff paid same day.
WIO Business card sync. Daily card transactions with WIO's vendor enrichment data; HIBR matches each line to OCR'd receipts uploaded by staff on mobile or WhatsApp.
FTA-ready audit archive. Statements and Space allocations archive monthly, satisfying bank-evidence requirements under Federal Decree-Law 28/2022 on tax procedures.

Setup in 10 minutes

HIBR ERP → Settings → Banks → Add bank → WIO. HIBR redirects to WIO's consent screen where you choose data scopes and Spaces.
Biometric approval in the WIO app. Approve once; consent renewable up to 12 months.
Initial 90-day sync. Pulls history and reconciles against existing HIBR entries.
Map Spaces to GL accounts. HIBR auto-suggests names; confirm or rename. VAT Space should map to "VAT payable reserve", payroll to "Payroll reserve", etc.
Run a 1 supplier test (optional). Validates the consent + push flow.

Use cases

Dubai-based freelance designer using WIO solopreneur banking. Invoices clients via HIBR, payments land in WIO main account, HIBR's quarterly close moves the right VAT amount to the VAT Space automatically — so when the FTA 201 filing comes due, the cash is already segregated. End of quarter: zero VAT-shock surprises.

Sharjah-based e-commerce SMB with 8 staff on WIO payroll. Payroll calculated in HIBR with EOSB accrual under Federal Law 33/2021 on labour relations; SIF pushed to WIO; approved on phone; salaries hit employee accounts in seconds via IPP; HIBR books the payroll JE before the founder finishes their coffee.

Abu Dhabi events agency pre-funding supplier deposits via Spaces. When a client deposit lands, HIBR moves 60% to a "Project Deposit" Space inside WIO to reserve cash for vendors. When the event runs and vendors are paid, the Space drains in lockstep, and HIBR books the matching expenses against the project P&L.

Pricing. The WIO Bank integration is available on HIBR ERP Pro (499/mo) and Enterprise. Lite supports read-only CSV import. WIO doesn't charge for API access; you pay only your standard WIO pricing plus any WPS or IPP transfer fees per your plan.

Frequently asked questions

Can I open a WIO account from inside HIBR ERP?

Not yet — account opening happens in the WIO app, which is fast (often a few days from KYC to live account). HIBR plans a co-marketed onboarding flow for founders who don't yet have a UAE bank.

Does WIO support USD invoicing for global customers?

WIO offers USD wallets on its higher plans. HIBR books USD receipts against the USD Space and revalues at WIO's daily indicative rate at period close.

What if WIO IPP is offline?

HIBR falls back to standard same-day transfers automatically; the batch still settles, just on the next clearing window rather than seconds. The reconciliation logic doesn't change.

Wire WIO Bank to HIBR ERP

Live ledger, Spaces sub-accounting, instant IPP payouts, mobile-first payroll. Beta launches October 2026.

Join the waitlist →