Wio Bank and Toothpick team up on clinic financing and patient payment plans

Wio Bank PJSC and Toothpick have launched a UAE partnership that gives more than 1,200 clinics access to business banking and financing, while letting patients split treatment costs into 0% interest installments. The deal aims to remove upfront cost barriers to care and help clinics scale with new funding tools.

Why it matters: - The partnership ties together clinic growth financing and patient affordability in one healthcare payment flow. - Patients at participating Toothpick clinics can spread treatment costs over 6 or 12 months at 0% interest. - Clinics in Toothpick's network gain tools that can support expansion, equipment purchases and working capital.

What happened: - Wio Bank PJSC and Toothpick announced a partnership in the UAE on September 10, 2026. - The deal links Toothpick's network of more than 1,200 clinics with Wio's business banking, financing and personal credit products. - The new Patient Card Program lets patients pay for treatment at participating clinics with a Wio Personal Credit Card and split the bill into monthly installments. - Patients without a Wio Personal Credit Card can apply through the Wio Personal app. - The partnership also gives Toothpick clinics access to Wio Business accounts, business loans and business credit cards. - Priority onboarding and dedicated support are part of the package for clinic partners.

The details: - The Patient Card Program offers 0% interest installment plans over 6 or 12 months. - The program is designed to reduce upfront cost pressure, which often leads patients to delay or decline care. - Wio Business banking and financing can include equipment financing of up to AED 10,000,000. - The program will be available at participating Toothpick clinics across the UAE. - Patients and clinics can find details through the Wio Personal and Wio Business apps. - All credit products remain subject to eligibility criteria, credit assessment and approval by Wio Bank. - Terms and conditions apply. - Wio Bank is headquartered in Abu Dhabi and is regulated by the Central Bank of the UAE. - Toothpick operates across the UAE, Saudi Arabia, Qatar, Egypt and the United Kingdom.

Between the lines: - The partnership is an embedded finance play, with payment tools built into the healthcare journey instead of added later. - For clinics, the financing side may help turn patient demand into revenue by making treatments easier to accept. - For Wio, the deal expands its footprint in SME and consumer finance through a sector-specific use case. - For Toothpick, the collaboration adds a financial layer to its broader healthcare ecosystem strategy.

What's next: - The Patient Card Program will roll out at participating clinics across the UAE. - Wio and Toothpick are positioning the partnership as a broader platform for future collaboration across healthcare, finance and technology. - Patients and clinics will access program information through Wio's apps and the linked landing page.