free up your time and your business with sub-accounts

A wamo business account gives you as many accounts as your business needs all under one roof.

  • Organise your finances

  • Separate your EUR and GBP income streams

  • Individual sub-accounts for team members

wamo business app

sub-accounts to get organised

Arrange your income streams and payments in whatever way suits you and your business best.

act local, go global with separate sub-accounts for EU and UK business

Choose a EUR or GBP IBAN every time you create a sub-account and designate IBANs per project, currency, client - whatever suits your business needs.

Link virtual or physical cards to a sub-account to streamline spending and reporting. Great for marketing campaigns!

Easily transfer money between accounts. You can make any sub-account your main account as and when you need to.

sub-accounts make it easy to track team expenses

Less admin, more business. Empower your team with allocated sub-accounts and automatically generated reports to make sure you stay informed and in control without even trying.

Free your team. Open a sub-account per team member, issue a linked card in their name and load the account with a set budget. Keep an eye on every sub-account from your wamo dashboard.

wamo business app

The sub-account function is incredibly cool.

The sub-account function is incredibly cool.

Patrick Lebenbauer, owner of marketing company, ftdboost Ltd.

“The sub-account function is incredibly cool for me because I have a number of ventures and business partners -I just have to send them the correct IBAN per project, and from the dashboard, I can see immediately which amount is allocated to which project and person which is incredibly helpful.”

how sub-accounts work


Open a new sub-account in a snap from your wamo dashboard.


Choose the currency and IBAN you want for your new account.


Give it a name and tap to confirm. That’s it!

wamo business app


Wamo.Io LTD incorporated and registered in the United Kingdom under the company registration number 12352849 and the operational office of which is at Technique Building 132-140 Goswell Road, Unit 3, London, United Kingdom, EC1V 7DY. Wamo.Io LTD (Firm Reference Number 922901) is an EMD agent of PayrNet Ltd which is an Electronic Money Institution authorised by the FCA under the Electronic Money Regulations 2011 (EMR’s) with Firm Reference Number 900594.

Wamo Solutions Ltd is registered under the Laws of Malta with company registration number C97355 and registered office at Dragonara Business Centre, 5th Floor, Dragonara Road, St. Julians STJ 3141, Malta. Wamo Solutions Ltd is an EMD agent of UAB “PAYRNET” which is authorised by the Bank of Lithuania under the Law on Electronic Money and Electronic Money Institutions (authorization code LB001994, license reference 72).

The wamo card is issued pursuant to licence from Visa. UK issuance is conducted by PayrNet Ltd and EU issuance is conducted by UAB PayrNet. wamo operates the website and the app. wamo is not a bank, the current account is an e-money account. Issuance of Electronic Money and payment services is provided by PayrNet Limited. The Financial Services Compensation Scheme does not cover electronic money products. No other compensation scheme exists to cover losses from your electronic money account. Your funds will be safeguarded in one or more segregated bank accounts with a regulated third party credit institution and not lent out, which gives you protection against insolvency, in accordance with the provisions of the Electronic Money Regulations 2011.

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