Grow faster with multi-currency accounts

Grow faster with multi-currency accounts

Grow faster with multi-currency accounts

As your business expands, so should your account capabilities. Create multiple sub-accounts with EUR or GBP IBANs in just a few clicks.

As your business expands, so should your account capabilities. Create multiple sub-accounts with EUR or GBP IBANs in just a few clicks.

As your business expands, so should your account capabilities. Create multiple sub-accounts with EUR or GBP IBANs in just a few clicks.

In less than 10 minutes. No paperwork.

In less than 10 minutes. No paperwork.

In less than 10 minutes. No paperwork.

  • Supports multi-currency accounts

    Create separate EUR & GBP currency accounts to make and receive international payments like a local.

  • Link cards to separate accounts

    Issue physical and virtual debit cards for each account you create. Get new debit cards as you grow.

  • Organised finances

    Create multiple accounts for projects or for individual team members. Whatever works for your business!

  • Real support from real people

    Speak to a wamo team member whenever you need to. No bots here!

  • Supports multi-currency accounts

    Create separate EUR & GBP currency accounts to make and receive international payments like a local.

  • Link cards to separate accounts

    Issue physical and virtual debit cards for each account you create. Get new debit cards as you grow.

  • Organised finances

    Create multiple accounts for projects or for individual team members. Whatever works for your business!

  • Real support from real people

    Speak to a wamo team member whenever you need to. No bots here!

  • Supports multi-currency accounts

    Create separate EUR & GBP currency accounts to make and receive international payments like a local.

  • Link cards to separate accounts

    Issue physical and virtual debit cards for each account you create. Get new debit cards as you grow.

  • Organised finances

    Create multiple accounts for projects or for individual team members. Whatever works for your business!

  • Real support from real people

    Speak to a wamo team member whenever you need to. No bots here!

More flexibility with multi-currency accounts

More flexibility with multi-currency accounts

Create up to 10 sub-accounts

Get GBP & EUR IBANs

Easy local & international payments

Seamlessly manage expenses with multiple sub-accounts, leverage GBP - EUR IBANs for local transactions, and enjoy effortless global and local payments.
Seamlessly manage expenses with multiple sub-accounts, leverage GBP - EUR IBANs for local transactions, and enjoy effortless global and local payments.
Seamlessly manage expenses with multiple sub-accounts, leverage GBP - EUR IBANs for local transactions, and enjoy effortless global and local payments.

Account - 2234

€5,044.04

Team Expenses

Account - 2234

€5,044.04

Team Expenses

Account - 2234

€5,044.04

Team Expenses

Marketing Budget

Account - 2234

£45,034.00

Marketing Budget

Account - 2234

£45,034.00

Marketing Budget

Account - 2234

£45,034.00

Access a business debit card for each currency, including EUR and GBP, with no exchange fees and enjoy high spend limits
Access a business debit card for each currency, including EUR and GBP, with no exchange fees and enjoy high spend limits
Access a business debit card for each currency, including EUR and GBP, with no exchange fees and enjoy high spend limits

Link each business debit card to its own sub-account

Link each business debit card to its own sub-account

High spending limits on all debit cards

Choose your card currency

Easy to manage & control spending

Get organised, be ready for business

Get organised, be ready for business

Flexible accounts for specific needs

Never go over budget again

Save for everyday expenses

Streamline your business operations today: Open flexible business account online in 10 minutes and get organized for success
Streamline your business operations today: Open flexible business account online in 10 minutes and get organized for success
Streamline your business operations today: Open flexible business account online in 10 minutes and get organized for success

It only takes 10 minutes to set up your wamo account.

Be ready for business!

It only takes 10 minutes to set up your wamo account.

Be ready for business!

It only takes 10 minutes to set up your wamo account.

Be ready for business!

Frequently asked questions

What is a sub-account?

A sub-account is an additional account that sits within your existing wamo business account. 

Each sub-account has its own balance, unique IBAN and account details that you can use to send and receive money. The total balance of your overall wamo business account is equal to the sum of all your sub-account balances. 

Sub-accounts are the same as multi-currency accounts, letting you use different currencies in one account. You can choose the main currency for each sub-account - either Euros (EUR) or Pounds (GBP). 

How to set up sub-accounts?

Setting up a wamo business account is quick and straightforward. To get your account up and running, we'll need:

  • Your business's operating address

  • A brief explanation of what your business does and where it operates

  • Information on how you plan to use your account

  • Proof of your identity

  • The wamo plan you want to start with

What are examples of sub-accounts?

The flexibility of sub-accounts means that you can tailor them exactly to your business needs to improve your account organisation. Here are some of the 3 most popular examples of sub-accounts:

  • Organise your finances based on currency, partner, project, expenses or team member to avoid exchange rate fees and get individual statements for each sub-account.

  • Easily manage expense accounts for Google or Facebook marketing ad campaigns to allocate budgets and link virtual debit cards instantly.

  • Delegate limited access to certain team members for a designated sub-account. This allows them to monitor activity in that sub-account only, not your overall wamo account. 

What type of IBAN does a sub-account have?

If your business is registered in the EEA, your EUR (€) sub-accounts will have a Netherlands (NL) IBAN and your GBP (£) sub-accounts will have a United Kingdom (GB) IBAN. 

If your business is registered in the United Kingdom, both your GBP (£) and EUR (€) sub-accounts will have a United Kingdom (GB) IBAN.

All GBP sub-accounts with GB IBANs have a UK sort code and account number.

How much does a sub-account cost?

It doesn’t cost anything to open a sub-account!

Opening multiple sub-accounts is completely free for any business type and account plan.

What is the difference between an account and a sub-account?

A sub-account is a part of your overall business account. Your account is the overall wamo business account that you opened, meaning you can create sub-accounts within a business account.

© wamo 2023, all rights reserved wamo & the wamo logo are trademarks and trade names of wamo technology Limited and may not be used or reproduced without consent of the owner

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All Rights Reserved. @ 2023 WAMO

wamo.io LTD (Firm Reference Number: 922901) is a distributor of Modulr FS Limited, a company registered in England and Wales with company number 09897919, which is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Firm Reference Number: 900573) for the issuance of electronic money and payment services. Your account and related payment services are provided by Modulr FS Limited. Whilst Electronic Money products are not covered by the Financial Services Compensation Scheme (FSCS) your funds will be held in one or more segregated accounts and safeguarded in line with the Electronic Money Regulations 2011 – for more information please see this link.


The wamo card is issued by Modulr FS Limited pursuant to a license by Visa Europe. Visa and the Visa brand mark are registered trademarks of Visa Europe.


Wamo Solutions LTD is a partner of Modulr Finance B.V., a company registered in the Netherlands with company number 81852401, which is authorised and regulated by the Dutch Central Bank (DNB) as an Electronic Money Institution (Firm Reference Number: R182870) for the issuance of electronic money and payment services. Your account and related payment services are provided by Modulr Finance B.V. Your funds will be held in one or more segregated accounts and safeguarded in line with the Financial Supervision Act (Wet op het Financieel Toezicht, Wft) – for more information please see link.


The wamo card is issued by Modulr Finance B.V. pursuant to a license by Visa Europe. Visa and the Visa brand mark are registered trademarks of Visa Europe.

© wamo 2023, all rights reserved wamo & the wamo logo are trademarks and trade names of wamo technology Limited and may not be used or reproduced without consent of the owner

Download wamo App

All Rights Reserved. @ 2023 WAMO

wamo.io LTD (Firm Reference Number: 922901) is a distributor of Modulr FS Limited, a company registered in England and Wales with company number 09897919, which is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Firm Reference Number: 900573) for the issuance of electronic money and payment services. Your account and related payment services are provided by Modulr FS Limited. Whilst Electronic Money products are not covered by the Financial Services Compensation Scheme (FSCS) your funds will be held in one or more segregated accounts and safeguarded in line with the Electronic Money Regulations 2011 – for more information please see this link.


The wamo card is issued by Modulr FS Limited pursuant to a license by Visa Europe. Visa and the Visa brand mark are registered trademarks of Visa Europe.


Wamo Solutions LTD is a partner of Modulr Finance B.V., a company registered in the Netherlands with company number 81852401, which is authorised and regulated by the Dutch Central Bank (DNB) as an Electronic Money Institution (Firm Reference Number: R182870) for the issuance of electronic money and payment services. Your account and related payment services are provided by Modulr Finance B.V. Your funds will be held in one or more segregated accounts and safeguarded in line with the Financial Supervision Act (Wet op het Financieel Toezicht, Wft) – for more information please see link.


The wamo card is issued by Modulr Finance B.V. pursuant to a license by Visa Europe. Visa and the Visa brand mark are registered trademarks of Visa Europe.

© wamo 2023, all rights reserved wamo & the wamo logo are trademarks and trade names of wamo technology Limited and may not be used or reproduced without consent of the owner

Download wamo App

All Rights Reserved. @ 2023 WAMO

wamo.io LTD (Firm Reference Number: 922901) is a distributor of Modulr FS Limited, a company registered in England and Wales with company number 09897919, which is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Firm Reference Number: 900573) for the issuance of electronic money and payment services. Your account and related payment services are provided by Modulr FS Limited. Whilst Electronic Money products are not covered by the Financial Services Compensation Scheme (FSCS) your funds will be held in one or more segregated accounts and safeguarded in line with the Electronic Money Regulations 2011 – for more information please see this link.


The wamo card is issued by Modulr FS Limited pursuant to a license by Visa Europe. Visa and the Visa brand mark are registered trademarks of Visa Europe.


Wamo Solutions LTD is a partner of Modulr Finance B.V., a company registered in the Netherlands with company number 81852401, which is authorised and regulated by the Dutch Central Bank (DNB) as an Electronic Money Institution (Firm Reference Number: R182870) for the issuance of electronic money and payment services. Your account and related payment services are provided by Modulr Finance B.V. Your funds will be held in one or more segregated accounts and safeguarded in line with the Financial Supervision Act (Wet op het Financieel Toezicht, Wft) – for more information please see link.


The wamo card is issued by Modulr Finance B.V. pursuant to a license by Visa Europe. Visa and the Visa brand mark are registered trademarks of Visa Europe.