The smarter way for small businesses to manage their finances
A business account for payments, invoicing, expense management, and instant currency exchange
Excellent
363 reviews on
+5,000 happy customers
Excellent
363 reviews on
+5,000 happy customers
Excellent
363 reviews on
+5,000 happy customers
Your company
deserves better
Simplify global operations, streamline expenses, and access human-led support — open your wamo account in just 10 minutes to unlock all these benefits.
Simplify global operations, streamline expenses, and access human-led support — open your wamo account in just 10 minutes to unlock all these benefits.
Hello, business owner👋
Polly here from support.
How can I help you today?
Hello, business owner👋
Polly here from support.
How can I help you today?
Sure, you can! Let me collaborate you with this!
Sure, you can! Let me collaborate you with this!
Can I issue a virtual debit card for my gbp account ?
Can I issue a virtual debit card for my gbp account ?
Get the human support you need
Contact us in-app or via web chat
Connect with us on WhatsApp for prompt assistance
Get tailored guidance to help your business thrive
Contact us in-app or via web chat
Connect with us on WhatsApp for prompt assistance
Get tailored guidance to help your business thrive
Main
€18,999.76
€18,999.76
Main euro account
Main euro account
kr.8,999.76
kr.8,999.76
Marketing account
Marketing account
kr 18,223.00
kr 18,223.00
Expense account
Expense account
£1,000.00
£1,000.00
UK Marketing account
UK Marketing account
Global business,
simplified
Accept payments in 24 currencies
Local GB, DK and LU IBANs
Do business in EUR, GBP, DKK, SEK & more
Accept payments in 24 currencies
Local GB, DK and LU IBANs
Do business in EUR, GBP, DKK, SEK & more
Exchange
Convert funds between accounts
Bulk payment
Pay multiple recipients at once
to
Morgan Tyler
-£1.800.99
Tomorrow
Scheduled
weekly, until Jan 15, 2024
to
Avery Morgan Ellis
20 July 2023, 20:00
-€920.00
Send money
End-to-end financial solutions
Payment systems from wamo Pay
Easy in-app invoicing
Xero integration for easy accounting
Payment systems from wamo Pay
Easy in-app invoicing
Xero integration for easy accounting
Total cash flow control
Unlimited virtual and physical cards for your team
Set spending limits on all your company cards
Up to 1% cashback on all your business spending
Unlimited virtual and physical cards for your team
Set spending limits on all your company cards
Up to 1% cashback on all your business spending
Show details
Freeze
Community
member
Community member
Community member
Security is
our cornerstone
Licensed and regulated
wamo is authorized as an EMI (Electronic Money Institution), with your funds safeguarded in a licensed bank account.
wamo is authorized as an EMI (Electronic Money Institution), with your funds safeguarded in a licensed bank account.
Always
secure
Always secure
Always secure
We use two-factor authentication and advanced fraud monitoring to keep your account safe around the clock.
We use two-factor authentication and advanced fraud monitoring to keep your account safe around the clock.
Bank-grade encryption
Sensitive data is encrypted to the highest bank-level standards, ensuring your information remains secure.
Sensitive data is encrypted to the highest bank-level standards, ensuring your information remains secure.
Fraud protection, 24/7
Our systems continuously monitor your account to detect and flag any potential fraudulent activity immediately.
Our systems continuously monitor your account to detect and flag any potential fraudulent activity immediately.
New invoice
€1,040.76
Summer event fu..
£25,000.00
UK expenses
Why entrepreneurs choose wamo?
Everything need to succeed, all from one simple account:
No hidden fees, just total transparency
Instant SWIFT & SEPA payments
Tiered pricing and flexible account plans suit every stage of your business
Everything need to succeed, all from one simple account:
No hidden fees, just total transparency
Instant SWIFT & SEPA payments
Tiered pricing and flexible account plans suit every stage of your business
More than a
company account
A wamo account is more than just a place to store money. It actively helps to make your business easier to manage.
A wamo account is more than just a place to store money. It actively helps to make your business easier to manage.
Automated finances
Track and streamline your transactions from our intuitive app
Track and streamline your transactions from our intuitive app
Seamless payments
From bulk payments to custom invoicing, we’ve get you paid quicker
From bulk payments to custom invoicing, we’ve get you paid quicker
Expense management
Set budgets, track spending and stay in control of your cash
Set budgets, track spending and stay in control of your cash
The business account to take you
from startup to scale-up to enterprise
The business account to take you from startup to scale-up to enterprise
Whether you’re just starting out or managing a growing team, wamo adapts to your needs.
Whether you’re just starting out or managing a growing team, wamo adapts to your needs.
Sole traders and entrepreneurs
Sole traders and entrepreneurs
Track and streamline your transactions from our intuitive app
Track and streamline your transactions from our intuitive app
Startups, scale-ups and entreprises
Startups, scale-ups and entreprises
Simplify your operations with all your business finances in one place
Simplify your operations with all your business finances in one place
How do I join wamo?
How do I join wamo?
Your wamo Account Manager is ready and waiting to onboard your business.
Your wamo Account Manager is ready and waiting to onboard your business.
01.
Apply in ten minutes (or less)
01.
Apply in ten minutes (or less)
Set up your account entirely online - no boring branch visits or tedious paperwork
Set up your account entirely online - no boring branch visits or tedious paperwork
02.
Pick your perfect plan
02.
Pick your perfect plan
Get up to 20% off the wamo tier that suits you best by choosing an annual plan
Get up to 20% off the wamo tier that suits you best by choosing an annual plan
03.
Start scaling your business
03.
Start scaling your business
Use wamo’s best business-boosting tools to streamline your business finances
Use wamo’s best business-boosting tools to streamline your business finances
Join thousands of SMEs already using wamo
Get started with the perfect small business account today and find out for yourself why wamo’s the favorite business account for entrepreneurs and sole traders.
Get started with the perfect small business account today and find out for yourself why wamo’s the favorite business account for entrepreneurs and sole traders.
Hear from
wamo users
Wamo not only helped us set up our billing fast but I always was able to talk to a real person whenever I had questions.”
Kimmo Kuronen | Director of Intus Financial Services Oy Ltd
"Excellent customer service from start to finish. Nice interface, competitive rates and fees and a strong feeling of safety."
Opening the bank account for a fintech startup in Finland was a real hassle until we contacted Wamo.”
Vladislav Patserin | CCO, Lintu Investments Oy
"I’ve had a great experience with your banking services. The app is user-friendly, and onboarding was super quick."
"Fast and very comfortable. The registration and onboarding was extremely comfortable, fast and, in addition, the Account Executive takes care of any query and support if required."
"I am very happy with wamo, not just because of their excellent customer service, which feels almost personal, but also because of their efficient features like automatic payments and the 1% cash back on credit cards."
Alan Attard | Owner and Principal, AA Corporate Services
"I’ve had a great experience with Wamo! The process of setting up my business account was smooth and efficient, and their customer service was incredibly helpful throughout."
Wamo not only helped us set up our billing fast but I always was able to talk to a real person whenever I had questions.”
Kimmo Kuronen | Director of Intus Financial Services Oy Ltd
"Excellent customer service from start to finish. Nice interface, competitive rates and fees and a strong feeling of safety."
Opening the bank account for a fintech startup in Finland was a real hassle until we contacted Wamo.”
Vladislav Patserin | CCO, Lintu Investments Oy
"I’ve had a great experience with your banking services. The app is user-friendly, and onboarding was super quick."
"Fast and very comfortable. The registration and onboarding was extremely comfortable, fast and, in addition, the Account Executive takes care of any query and support if required."
"I am very happy with wamo, not just because of their excellent customer service, which feels almost personal, but also because of their efficient features like automatic payments and the 1% cash back on credit cards."
Alan Attard | Owner and Principal, AA Corporate Services
"I’ve had a great experience with Wamo! The process of setting up my business account was smooth and efficient, and their customer service was incredibly helpful throughout."
Wamo not only helped us set up our billing fast but I always was able to talk to a real person whenever I had questions.”
Kimmo Kuronen | Director of Intus Financial Services Oy Ltd
"Excellent customer service from start to finish. Nice interface, competitive rates and fees and a strong feeling of safety."
Opening the bank account for a fintech startup in Finland was a real hassle until we contacted Wamo.”
Vladislav Patserin | CCO, Lintu Investments Oy
"I’ve had a great experience with your banking services. The app is user-friendly, and onboarding was super quick."
"Fast and very comfortable. The registration and onboarding was extremely comfortable, fast and, in addition, the Account Executive takes care of any query and support if required."
"I am very happy with wamo, not just because of their excellent customer service, which feels almost personal, but also because of their efficient features like automatic payments and the 1% cash back on credit cards."
Alan Attard | Owner and Principal, AA Corporate Services
"I’ve had a great experience with Wamo! The process of setting up my business account was smooth and efficient, and their customer service was incredibly helpful throughout."
Wamo not only helped us set up our billing fast but I always was able to talk to a real person whenever I had questions.”
Kimmo Kuronen | Director of Intus Financial Services Oy Ltd
"Excellent customer service from start to finish. Nice interface, competitive rates and fees and a strong feeling of safety."
Opening the bank account for a fintech startup in Finland was a real hassle until we contacted Wamo.”
Vladislav Patserin | CCO, Lintu Investments Oy
"I’ve had a great experience with your banking services. The app is user-friendly, and onboarding was super quick."
"Fast and very comfortable. The registration and onboarding was extremely comfortable, fast and, in addition, the Account Executive takes care of any query and support if required."
"I am very happy with wamo, not just because of their excellent customer service, which feels almost personal, but also because of their efficient features like automatic payments and the 1% cash back on credit cards."
Alan Attard | Owner and Principal, AA Corporate Services
"I’ve had a great experience with Wamo! The process of setting up my business account was smooth and efficient, and their customer service was incredibly helpful throughout."
Wamo not only helped us set up our billing fast but I always was able to talk to a real person whenever I had questions.”
Kimmo Kuronen | Director of Intus Financial Services Oy Ltd
"Excellent customer service from start to finish. Nice interface, competitive rates and fees and a strong feeling of safety."
Opening the bank account for a fintech startup in Finland was a real hassle until we contacted Wamo.”
Vladislav Patserin | CCO, Lintu Investments Oy
"I’ve had a great experience with your banking services. The app is user-friendly, and onboarding was super quick."
"Fast and very comfortable. The registration and onboarding was extremely comfortable, fast and, in addition, the Account Executive takes care of any query and support if required."
"I am very happy with wamo, not just because of their excellent customer service, which feels almost personal, but also because of their efficient features like automatic payments and the 1% cash back on credit cards."
Alan Attard | Owner and Principal, AA Corporate Services
"I’ve had a great experience with Wamo! The process of setting up my business account was smooth and efficient, and their customer service was incredibly helpful throughout."
Wamo not only helped us set up our billing fast but I always was able to talk to a real person whenever I had questions.”
Kimmo Kuronen | Director of Intus Financial Services Oy Ltd
"Excellent customer service from start to finish. Nice interface, competitive rates and fees and a strong feeling of safety."
Opening the bank account for a fintech startup in Finland was a real hassle until we contacted Wamo.”
Vladislav Patserin | CCO, Lintu Investments Oy
"I’ve had a great experience with your banking services. The app is user-friendly, and onboarding was super quick."
"Fast and very comfortable. The registration and onboarding was extremely comfortable, fast and, in addition, the Account Executive takes care of any query and support if required."
"I am very happy with wamo, not just because of their excellent customer service, which feels almost personal, but also because of their efficient features like automatic payments and the 1% cash back on credit cards."
Alan Attard | Owner and Principal, AA Corporate Services
"I’ve had a great experience with Wamo! The process of setting up my business account was smooth and efficient, and their customer service was incredibly helpful throughout."
Wamo not only helped us set up our billing fast but I always was able to talk to a real person whenever I had questions.”
Kimmo Kuronen | Director of Intus Financial Services Oy Ltd
"Excellent customer service from start to finish. Nice interface, competitive rates and fees and a strong feeling of safety."
Opening the bank account for a fintech startup in Finland was a real hassle until we contacted Wamo.”
Vladislav Patserin | CCO, Lintu Investments Oy
"I’ve had a great experience with your banking services. The app is user-friendly, and onboarding was super quick."
"Fast and very comfortable. The registration and onboarding was extremely comfortable, fast and, in addition, the Account Executive takes care of any query and support if required."
"I am very happy with wamo, not just because of their excellent customer service, which feels almost personal, but also because of their efficient features like automatic payments and the 1% cash back on credit cards."
Alan Attard | Owner and Principal, AA Corporate Services
"I’ve had a great experience with Wamo! The process of setting up my business account was smooth and efficient, and their customer service was incredibly helpful throughout."
Wamo not only helped us set up our billing fast but I always was able to talk to a real person whenever I had questions.”
Kimmo Kuronen | Director of Intus Financial Services Oy Ltd
"Excellent customer service from start to finish. Nice interface, competitive rates and fees and a strong feeling of safety."
Opening the bank account for a fintech startup in Finland was a real hassle until we contacted Wamo.”
Vladislav Patserin | CCO, Lintu Investments Oy
"I’ve had a great experience with your banking services. The app is user-friendly, and onboarding was super quick."
"Fast and very comfortable. The registration and onboarding was extremely comfortable, fast and, in addition, the Account Executive takes care of any query and support if required."
"I am very happy with wamo, not just because of their excellent customer service, which feels almost personal, but also because of their efficient features like automatic payments and the 1% cash back on credit cards."
Alan Attard | Owner and Principal, AA Corporate Services
"I’ve had a great experience with Wamo! The process of setting up my business account was smooth and efficient, and their customer service was incredibly helpful throughout."
Wamo not only helped us set up our billing fast but I always was able to talk to a real person whenever I had questions.”
Kimmo Kuronen | Director of Intus Financial Services Oy Ltd
"Excellent customer service from start to finish. Nice interface, competitive rates and fees and a strong feeling of safety."
Opening the bank account for a fintech startup in Finland was a real hassle until we contacted Wamo.”
Vladislav Patserin | CCO, Lintu Investments Oy
"I’ve had a great experience with your banking services. The app is user-friendly, and onboarding was super quick."
"Fast and very comfortable. The registration and onboarding was extremely comfortable, fast and, in addition, the Account Executive takes care of any query and support if required."
"I am very happy with wamo, not just because of their excellent customer service, which feels almost personal, but also because of their efficient features like automatic payments and the 1% cash back on credit cards."
Alan Attard | Owner and Principal, AA Corporate Services
"I’ve had a great experience with Wamo! The process of setting up my business account was smooth and efficient, and their customer service was incredibly helpful throughout."
Wamo not only helped us set up our billing fast but I always was able to talk to a real person whenever I had questions.”
Kimmo Kuronen | Director of Intus Financial Services Oy Ltd
"Excellent customer service from start to finish. Nice interface, competitive rates and fees and a strong feeling of safety."
Opening the bank account for a fintech startup in Finland was a real hassle until we contacted Wamo.”
Vladislav Patserin | CCO, Lintu Investments Oy
"I’ve had a great experience with your banking services. The app is user-friendly, and onboarding was super quick."
"Fast and very comfortable. The registration and onboarding was extremely comfortable, fast and, in addition, the Account Executive takes care of any query and support if required."
"I am very happy with wamo, not just because of their excellent customer service, which feels almost personal, but also because of their efficient features like automatic payments and the 1% cash back on credit cards."
Alan Attard | Owner and Principal, AA Corporate Services
"I’ve had a great experience with Wamo! The process of setting up my business account was smooth and efficient, and their customer service was incredibly helpful throughout."
Wamo not only helped us set up our billing fast but I always was able to talk to a real person whenever I had questions.”
Kimmo Kuronen | Director of Intus Financial Services Oy Ltd
"Excellent customer service from start to finish. Nice interface, competitive rates and fees and a strong feeling of safety."
Opening the bank account for a fintech startup in Finland was a real hassle until we contacted Wamo.”
Vladislav Patserin | CCO, Lintu Investments Oy
"I’ve had a great experience with your banking services. The app is user-friendly, and onboarding was super quick."
"Fast and very comfortable. The registration and onboarding was extremely comfortable, fast and, in addition, the Account Executive takes care of any query and support if required."
"I am very happy with wamo, not just because of their excellent customer service, which feels almost personal, but also because of their efficient features like automatic payments and the 1% cash back on credit cards."
Alan Attard | Owner and Principal, AA Corporate Services
"I’ve had a great experience with Wamo! The process of setting up my business account was smooth and efficient, and their customer service was incredibly helpful throughout."
Wamo not only helped us set up our billing fast but I always was able to talk to a real person whenever I had questions.”
Kimmo Kuronen | Director of Intus Financial Services Oy Ltd
"Excellent customer service from start to finish. Nice interface, competitive rates and fees and a strong feeling of safety."
Opening the bank account for a fintech startup in Finland was a real hassle until we contacted Wamo.”
Vladislav Patserin | CCO, Lintu Investments Oy
"I’ve had a great experience with your banking services. The app is user-friendly, and onboarding was super quick."
"Fast and very comfortable. The registration and onboarding was extremely comfortable, fast and, in addition, the Account Executive takes care of any query and support if required."
"I am very happy with wamo, not just because of their excellent customer service, which feels almost personal, but also because of their efficient features like automatic payments and the 1% cash back on credit cards."
Alan Attard | Owner and Principal, AA Corporate Services
"I’ve had a great experience with Wamo! The process of setting up my business account was smooth and efficient, and their customer service was incredibly helpful throughout."
Ready to get started?
Start today and take control of your business’s future
Start today and take control of your business’s future
Frequently asked
questions
Can I open a wamo business account online?
Can I open a wamo business account online?
What do I need to open a business account with wamo?
What do I need to open a business account with wamo?
Who can open a Business Account with wamo?
Who can open a Business Account with wamo?
Solutions
© 2025 wamo. Wamo Solutions Oy is authorised by the Finnish Financial Supervisory Authority (FSA) as an Electronic Money Institution (No. 3368055-9). Visa cards are issued by wamo Solutions Oy.
wamo.io LTD (FRN: 922901) is a distributor of Modulr FS Limited, authorised and regulated by the UK Financial Conduct Authority (FRN: 900573). Payment services and Visa debit cards are issued by Modulr FS Limited.
Wamo Solutions LTD is a partner of Modulr Finance B.V., authorised and regulated by the Dutch Central Bank (DNB, R182870). Payment services and Visa debit cards are issued by Modulr Finance B.V.
Please see here for full details.
Empowering businesses globally with seamless financial solutions. Enabling cost-efficient and instant payments, worldwide.
Solutions
Company
© 2025 wamo. Wamo Solutions Oy is authorised by the Finnish Financial Supervisory Authority (FSA) as an Electronic Money Institution (No. 3368055-9). Visa cards are issued by wamo Solutions Oy.
wamo.io LTD (FRN: 922901) is a distributor of Modulr FS Limited, authorised and regulated by the UK Financial Conduct Authority (FRN: 900573). Payment services and Visa debit cards are issued by Modulr FS Limited.
Wamo Solutions LTD is a partner of Modulr Finance B.V., authorised and regulated by the Dutch Central Bank (DNB, R182870). Payment services and Visa debit cards are issued by Modulr Finance B.V.
Please see here for full details.
Empowering businesses globally with seamless financial solutions. Enabling cost-efficient and instant payments, worldwide.
Solutions
Company
© 2025 wamo. Wamo Solutions Oy is authorised by the Finnish Financial Supervisory Authority (FSA) as an Electronic Money Institution (No. 3368055-9). Visa cards are issued by wamo Solutions Oy.
wamo.io LTD (FRN: 922901) is a distributor of Modulr FS Limited, authorised and regulated by the UK Financial Conduct Authority (FRN: 900573). Payment services and Visa debit cards are issued by Modulr FS Limited.
Wamo Solutions LTD is a partner of Modulr Finance B.V., authorised and regulated by the Dutch Central Bank (DNB, R182870). Payment services and Visa debit cards are issued by Modulr Finance B.V.
Please see here for full details.