4.7 Excellent

Fair FX, fast

No hidden fees, instant conversion, across 22 currencies, any day of the week.

wamo is the digital business account built for small businesses.

Manage your account, card payments, multi-currency money, and real human support in one app, and get back time lost to admin, fees, and scattered tools.

Join 15,000+ European businesses already on wamo.

Manage your account, card payments, multi-currency money, and real human support in one app, and get back time lost to admin, fees, and scattered tools.

Join 15,000+ European businesses already on wamo.

Manage your account, card payments, multi-currency money, and real human support in one app, and get back time lost to admin, fees, and scattered tools.

Join 15,000+ European businesses already on wamo.

Open in 10 minutes

Set up your business account online in about 10 minutes. No branch visit, no paperwork pile, no waiting weeks for a yes.

Keep more of your money

Spend on your business with physical and virtual Visa cards, and take card payments through wamo POS. Clear costs, no hidden fees.

Money that moves with you

Hold and convert 22 currencies, with local IBANs in 6 countries. Send and receive locally and across borders, all from one app.

Real people, your language

Get support from a real, local-language team, not a chatbot maze. Plus AI tools that turn your transactions into time saved.

Great FX rates

Exchange at competitive rates, straight from the app.

Convert and send

Pay suppliers in their currency, in one step, across 22 currencies.

Know the cost

No hidden exchange fees. The full cost, every time, before you tap.

Get started now

Zero surprises

Zero surprises

Trade globally with confidence where every conversion is fast, transparent, and fully under your control, with competitive real-time rates, the ability to pay and get paid in 22 currencies, and complete visibility over all your currency balances so you always know exactly where you stand.

Multi-currency accounts

Multi-currency accounts

Borderless transactions for borderless business, with the ability to hold EUR, GBP, SEK, DKK and USD in a single account, instantly switch between balances as your business needs change, and keep earnings in place while converting only when it makes strategic sense.

Who banks on wamo?

Meet the businesses that choose wamo.

"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

Valitsimme wamon, koska maksupäätteiden käyttöönotto oli uskomattoman helppoa ja nopeat tilisiirrot sujuvoittavat arkeamme.

Yanan Li

Noodle Master

“With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days.”

"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

“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

"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

"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

Frequently asked questions

Frequently asked questions

Common questions about currency exchange with wamo.

Common questions about currency exchange with wamo.

Let's keep in touch

Book a free call with one of our consultants, no commitment required.

Let's keep in touch

Book a free call with one of our consultants, no commitment required.

Which currencies can I hold and exchange?

Which currencies can I hold and exchange?

What does a currency exchange cost?

What does a currency exchange cost?

How fast is a currency exchange?

How fast is a currency exchange?

Can I exchange outside business hours?

Can I exchange outside business hours?

We stand for business

We stand for business

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