Excellent

4.3 out of 5 on

You can bank on wamo

For the cross-border EU businesses tired of the hoop-jumping and hidden fees, it’s time to talk to wamo.

Excellent

4.3 out of 5 on

You can bank on wamo

For the cross-border EU businesses tired of the hoop-jumping and hidden fees, it’s time to talk to wamo.

Excellent

4.3 out of 5 on

You can bank on wamo

For the cross-border EU businesses tired of the hoop-jumping and hidden fees, it’s time to talk to wamo.
  • 5000+

    happy customers in Europe

  • Regulated

    by Finnish Financial Authorities

  • Seamless

    POS Integration

  • Market-leading

    FX rates for SMEs

  • Local, real human

    support

Run your business, not your bank account.

Think of it this way: we do banking and payments differently at wamo. Just tools to send, spend and manage your business finance.

POS for anywhere there’s business

Take payments in person – fast, simple, and fully connected to your wamo business account.

Trade seamlessly in 22 currencies

Send payments across the world, without the wait or the workarounds. It’s smooth, secure, and made for business.

Track spend without losing your grip

Cards and more for the team with a handy real-time spend tracker. No more surprises – just simple and smart expense control.

Smooth ATM withdrawals

With wamo Visa cards, you can get up to €2,000 per day to handle your cash expenses.

The card your business deserves

The card your business deserves

Create virtual or physical Visa debit cards for your team in seconds, and you can spend straight away.

Assign card limits, lock categories, and stay in control of how and when money moves.

Never miss a transaction with real-time spend notifications and account insights.

Who banks on wamo?

Meet the locals who trust wamo with their business. 

Who banks on wamo?

Meet the locals who trust wamo with their business. 

Who banks on wamo?

Meet the locals who trust wamo with their business. 

Companies

For start-ups, scale-ups, enterprises, and borderless businesses of all sizes.

Self-employed

Account for freelancers, sole traders and cross-border operators.

Simple, transparent pricing to suit your business

Self-employed
Companies

Freemium

€0

/month

You're just getting started and want simple, essential tools to manage your business account.

No setup fee

Business Account with EU IBAN

1 virtual Visa card included

€0.99 per local transfer

1.99% per ATM withdrawal

€9

/month

You’re handling multiple projects or clients and need better visibility and control.

Smart

No setup fee

Business Account with EU IBAN

1 physical + 2 virtual Visa cards included

20 free transfers/month

5 free ATM withdrawals

€19

/month

You’re managing teams, currencies, or cost centres — and looking to scale efficiently.

Pro

TOP PICK

No setup fee

Business Account with EU IBAN

3 physical + unlimited virtual Visa cards included

50 free transfers/month

10 free ATM withdrawals

Self-employed
Companies
Self-employed
Companies

What to expect when opening your account 

You could get started with wamo in minutes, not days. 

Sign up online

Complete our simple application in a few minutes.

Business details, including directors if applicable

Verify your identity

You are securely verified to keep your account safe.

You'll need proof of identity and address, including biometric check.

Use your account

Most applications are approved within 24 hours.

First stop, activate your account and create your virtual card.

We stand for business

Apply in 10 minutes or less. Get the tools and support to run things your way – from day one.

We stand for business

Apply in 10 minutes or less. Get the tools and support to run things your way – from day one.

We stand for business

Apply in 10 minutes or less. Get the tools and support to run things your way – from day one.