Fair FX, fast
Convert money at competitive rates and keep your business borderless with transparent FX tools.
Nothing hidden
Instant conversion
Your choice
Great FX rates
Send local or international payments straight from your app – fast, secure, and always transparent.
Convert and send
Automate your rent, salaries or supplier payouts with recurring transfers that save time every month.
Know the cost
You’ll always see the rate and fees before confirming – full transparency, every time.
Zero surprises
Trade globally with confidence. Every conversion is clear, quick, and under your control.
Competitive FX rates across the spot market
Pay and get paid in 22 local currencies
Avoid unexpected losses with real-time visibility into currency balances
Multi-currency accounts
Borderless transactions for borderless business.
Hold and manage multiple currencies in one place
Instantly switch between balances as your business needs shift
Reduce currency risk with smart in-app conversions
How it works
1
Apply for a wamo account
Applying is simple. Once approved, activate your account to access built-in FX tools in an instant.
2
Select currencies
Hold up to 5 currencies (EUR, GBP, DKK, SEK and USD) and trade in 22 from the dashboard. SWIFT to 47+ countries included.
3
Review the rates
Check the current rate and any small markup before you approve the transaction.
4
Confirm and convert
Complete the transfer or exchange with a tap – the funds move instantly and securely. Even large amounts.
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
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
Why wamo?
Dedicated to businesses of all sizes
For businesses feeling underserved by the banks, we’ve got you.
Secure and compliant
Authorised by the Finnish Financial Supervisory Authority and compliant with EU data privacy rules.
Real people, genuine support
Every wamo conversation connects you with a friendly business expert.
Frequently asked questions
Get answers to common questions about our pricing and plans
Get answers to common questions about our pricing and plans
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?
We offer different plans to suit your business needs. Visit our pricing page to find the best option for you.
How much does a wamo business account cost?
We offer different plans to suit your business needs. Visit our pricing page to find the best option for you.
How much does a wamo business account cost?
We offer different plans to suit your business needs. Visit our pricing page to find the best option for you.
