Frequently Asked Questions

Get your most pressing questions answered
Bankiom app screen 18

What is Bankiom?

Bankiom is a new way to get manage your money right from just your mobile phone – One that cares and believes in your future; a solution that is global, effortless and financially empowering.

Bankiom is not a bank, Bankiom is for those who want more from their banking experience. Connect and manage all your bank accounts from one dashboard


  • Join Bankiom and connect all your bank accounts to enjoy round-the-clock access to your money and manage all your bank accounts with one smart app.
  • Track your account balances and transactions from one dashboard
  • View and filter your accounts by bank, type (current, savings, loans) and currency
  • View transaction history and search for transactions by date, amount, or beneficiary

TRANSFERS: Send and receive money from your connected bank accounts by simply sending a text message



Why do I need Bankiom?

Bankiom is the only bank that puts you first. We work for you and with you to grow and manage your money 24 hrs a day and from anywhere in the world. We stand by you in good times and when you need financial support.

Some of the Instant Benefits:

  • New current account in 3 minutes
  • Pay and get paid using whatsapp
  • The smartest and easiest way to keep on top of your finances
  • Save money and grow your wealth

Do I need to switch banks to use Bankiom?

No. You won’t need to switch banks to use Bankiom. Bankiom uses open banking to connect you with your money, and connects your money to your dreams.

Is Bankiom FREE?

No Bankiom is not free, we charge 1 Euro per month. We also have other premium plans that give you access to certain premium benefits.

Additional charges can also apply to transactions, withdrawals for amounts above the allocated monthly limits, and subscribers who upgrade to premium accounts will pay monthly fees.

Join the priority list and get the opportunity to get access to beta

Is Bankiom secure?

Yes. Ultimate security and privacy is our top priority. Bankiom ensures your sensitive information and bank account are always safe by applying the highest level of bank security, both online and on your card.

We also advise our users to take extra precautions as follows:

  • Never leave your mobile device unlocked
  • Keep all the apps on your phone regularly updated
  • Make sure you only download apps you trust
  • Avoid using unsecured wi-fi networks for banking, purchases or checking your emails
  • Take care when downloading apps – if something looks too good to be true, it probably is
  • Encrypt your phone
  • Check the security settings in your device to ensure maximum protection

Is my money safe?

Yes, Bankiom represents a major shift in the way you bank by handing more power back to you, the customer.

Here at Bankiom, customer privacy and data security are the highest priority for our data systems. Your data on Bankiom is protected with financial services industry-standard encryption and security measures.

With our three-point system industry-grade encryption, not even Bankiom can access your information.

Because Bankiom does not store any of your banking credentials on our servers at any point, it would not be possible for your banking data to be breached from our system.

In order to protect your other personal info, like your phone number and email address we use world-class security practices to ensure that Bankiom is always a safe and secure service for you

We hold regular security audits and tests to challenge our protocols and to ensure that we avoid any vulnerabilities.

In short, could your bank details be stolen from us? No.

What kind of protection do you offer my money?

  • Our anti-fraud alert system ensures we get real-time alerts of fraudulent activity, allowing us to act fast
  • You do not deposit, or withdraw directly from Bankiom, we are a gateway to your bank account, so the same bank security you enjoy with your bank still stands
  • We use bank grade security and best class practices to ensure your data and information is protected at all times
  • Our services are routinely inspected, tested and audited by qualified security and data specialists
  • We connect you through open banking, a Government backed initiative which means you have complete control over your data and never have to share your credentials with a third party
  • We work closely with partners with outstanding reputations and extensive experience in security solutions to ensure your data is secure at every step.
    We do not keep or have access

Why is Bankiom better than traditional or other banking solutions?

Bankiom is not a bank. One of the biggest benefits to using Bankiom is that our bank was created with you in mind. Yo can connect all your bank accounts into our open banking app and have instant access to all your finances under one simple dashboard

In a nutshell, here are some of the benefits of using Bankiom over traditional banks:

  • Better control over your money
  • You do not deposit, or withdraw directly from Bankiom, we are a gateway to your bank account, so the same bank security you enjoy with your bank still stands
  • 24/7 support when you need it… even if it’s just want to speak to someone
  • Advanced money management tools that are simple to use and simply make sense
  • NO hidden fees or NO fees at all on your daily services
  • We work with you and for you to grow your money
  • Easier to grow and innovate based on real feedback
  • Laser focus on things that are more important
  • Bankiom allows you to live and work anywhere in the world

Join the priority list

How can I get a card or open an account?

Bankiom is in the pre-launch phase. We are looking to go beta in soon. Please sign up to get access to the beta version as soon as we release it.

When Bankiom is live, you will have access to your account and referral earnings. You will also have the opportunity to order virtual cards as well.

Will I be able to use an ATM worldwide?

YES. You can use your Bankiom card at any authorized ATM

Can users younger than 18 open an account?

The simple answer is YES. One of the benefits of using Bankiom is that we can get you managing your money from a younger age. You can open an account from the age of 14. If you are between 13 and 18 years of age, you will just need a parent or legal guardian to sign for you. More details coming soon.

Can I use Bankiom in my country?

Yes. we are still in pre-launch, and will be rolling out release dates to groups of countries at a time. Just sign up, and when we release Bankiom we will let you know.

In the meantime go over to and continue building your wallet by referring friends. 

How does the Bankiom priority waitlist work?

We’re working hard to get everything ready for you. A waiting list helps us manage customer demand, and to prioritize private beta access to the most active early Bankiom supporters.

We have a lot of new members on the waiting list. Initially Bankiom can only accommodate a limited number of customers for its private beta group before its release to a broader audience. When we start onboarding customers, it will be done in batches and by priority.

Bankiom has also acquired many passionate members who are helping us spread the word about the exciting benefits we have to offer. The waitlist is our way of saying ‘thank you’ by rewarding you and them with early access and other added early-adopter benefits.


How do I sign up?

Interested in joining a bank that’s built to work for you and with you to grow your money? We are currently allowing members to join our priority list so that they get early access and enjoy new member benefits.

All you need to do is click here and join the priority list to get your account opened quicker.

How do I get my referral code?



When you sign up, you are assigned a unique link that you can use to invite your friends to get credited.

You can see this code by visiting

You should see something like the screenshot below:

NOTE: If you don’t see this, and you see only the sign up form, all you need to do is enter your name and email that you used to sign up and we will log you in again.

How do I know how much I have earned?


When you enter your details at , you will see how many friends you referred and the milestone below that. We will also send out an email when you hit a new milestone.

However, if you don’t see something similar to the  screenshot below, then go ahead and enter your name and email that you signed up with previously and you will be logged in to your account.

How can I cash in my referral earnings?

We are close to going beta, and as soon as we go live, when your friends open their accounts we will automatically credit your earnings to your account, and you can use them for anything you please.

The first referral is $20 and all referrals that follow are $5 each.



Can I request new features?

Yes, Our goal is and always will be to make sure that our services are always working for you. If there is a feature that will help make your experience better. Use the contact form or the support icon that pops on this page.

Can I call you?

We manage subscriber support through our ticket system . Please send your request to and we can arrange a call with the right department. 

What happened to my old stats?

We have sent out a notification to all our members that we are now moving to phase 3. Please check your spam folders if you didn’t receive your notification.

However here is the phase 2 system where you can check your stats.

What is Phase 3?

Bankiom is moving closer to it’s final launch phase. As a result, we have released the new campaign to give all our supporters a much needed boost.

  • Go to and get your phase 3 referral link
  • Refer a friend and get $5 deposited into your Bankion account (first referral is $20)
  • Repeat step 2 and grow your wallet daily

Once Bankiom beta is live we will top up your account with your earned credit as your referrals create their account

What are you doing about the Coronavirus outbreak?

We are working hard to make sure service and progress are not affected..

  • We’re well-equipped to keep moving forward even if most of us can’t get to the office
  • We’re here to help if Coronavirus is affecting your life and you need support
  • We are working closely with our communities in these uncertain times
  • We’re keeping an eye on the situation as it changes and will always put you first
Bankiom app screen 13

Financial Services Designed For You

A current account that supports your dreams and invests in your future. Bankiom combines innovative money management and unparalleled customer support to ensure your money is secure and working for you to achieve your dreams.


    Open your account in 3 minutes or less directly from your phone – no paperwork, no credit checks, no fussspee


    Track your spending, create a budget, set bill reminders and get tips for reducing fees and saving yourself valuable money otherwise lost.


    Bankiom tracks your spending and recommends how and where you can save. We also offer wealth-building options to help you invest in your future.

Join the Waiting List and Get Priority Access

Bankiom app screen 20

Bankiom is an online-only financial services company

Bankiom - Smart Online Banking App - Connect your money to your dreams... Only UAE dreams for now | Product Hunt