Excellent
4.4 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
4.4 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
4.4 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.
Free POS terminal, low fees
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.
Security is our #1
Secure and compliant, wamo is authorised by the Finnish Financial Supervisory Authority and compliant with EU data privacy rules.
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.
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”
Rita Boldini
Terme di Bognanco
“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”
Giuseppe Narcisi
Hotel il Gelso Bianco
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”
Rita Boldini
Terme di Bognanco
“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”
Giuseppe Narcisi
Hotel il Gelso Bianco
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”
Rita Boldini
Terme di Bognanco
“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”
Giuseppe Narcisi
Hotel il Gelso Bianco
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”
Rita Boldini
Terme di Bognanco
“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”
Giuseppe Narcisi
Hotel il Gelso Bianco
Who banks on wamo?
Meet the locals who trust wamo with their business.
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”
Rita Boldini
Terme di Bognanco
“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”
Giuseppe Narcisi
Hotel il Gelso Bianco
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”
Rita Boldini
Terme di Bognanco
“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”
Giuseppe Narcisi
Hotel il Gelso Bianco
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”
Rita Boldini
Terme di Bognanco
“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”
Giuseppe Narcisi
Hotel il Gelso Bianco
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”
Rita Boldini
Terme di Bognanco
“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”
Giuseppe Narcisi
Hotel il Gelso Bianco
Who banks on wamo?
Meet the locals who trust wamo with their business.
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”
Rita Boldini
Terme di Bognanco
“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”
Giuseppe Narcisi
Hotel il Gelso Bianco
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”
Rita Boldini
Terme di Bognanco
“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”
Giuseppe Narcisi
Hotel il Gelso Bianco
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”
Rita Boldini
Terme di Bognanco
“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”
Giuseppe Narcisi
Hotel il Gelso Bianco
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”
Rita Boldini
Terme di Bognanco
“We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances.”
Giuseppe Narcisi
Hotel il Gelso Bianco
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
€9.99
/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
ATM withdrawals: 2 free/month, 5 with annual plan
€19.99
/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
ATM withdrawals: 4 free/month, 10 with annual plan
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
€9.99
/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
ATM withdrawals: 2 free/month, 5 with annual plan
€19.99
/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
ATM withdrawals: 4 free/month, 10 with annual plan
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
€9.99
/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
ATM withdrawals: 2 free/month, 5 with annual plan
€19.99
/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
ATM withdrawals: 4 free/month, 10 with annual plan
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
€9.99
/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
ATM withdrawals: 2 free/month, 5 with annual plan
€19.99
/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
ATM withdrawals: 4 free/month, 10 with annual plan
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
€9.99
/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
ATM withdrawals: 2 free/month, 5 with annual plan
€19.99
/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
ATM withdrawals: 4 free/month, 10 with annual plan
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
€9.99
/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
ATM withdrawals: 2 free/month, 5 with annual plan
€19.99
/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
ATM withdrawals: 4 free/month, 10 with annual plan
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
€9.99
/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
ATM withdrawals: 2 free/month, 5 with annual plan
€19.99
/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
ATM withdrawals: 4 free/month, 10 with annual plan
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
€9.99
/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
ATM withdrawals: 2 free/month, 5 with annual plan
€19.99
/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
ATM withdrawals: 4 free/month, 10 with annual plan
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
€9.99
/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
ATM withdrawals: 2 free/month, 5 with annual plan
€19.99
/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
ATM withdrawals: 4 free/month, 10 with annual plan
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.
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.
Frequently asked questions
Find your answer here or contact us. We want no questions in the air.
Find your answer here or contact us. We want no questions in the air.
What is a wamo business account?
What is a wamo business account?
What is a wamo business account?
Is a wamo account secure and compliant?
Is a wamo account secure and compliant?
Is a wamo account secure and compliant?
Who can open a wamo account?
Who can open a wamo account?
Who can open a wamo account?
How do I open a wamo account?
How do I open a wamo account?
How do I open a wamo account?
What documents do I need to apply?
What documents do I need to apply?
What documents do I need to apply?
How much does a wamo business account cost?
How much does a wamo business account cost?
How much does a wamo business account cost?
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.
