4.6 Excellent

Which Is better for European SMEs?

Which Is better for European SMEs?

Which Is better for European SMEs?

wamo vs Wise Business.

wamo vs Wise Business.

wamo vs Wise Business.

Designed for real-world finance workflows

Small businesses don't fail for lack of effort. They lose time to admin, fees, and systems built for someone else. wamo exists to give that time back, so you can spend your day on the work that actually grows it.

Open in minutes

Set up your business account fully online. No branch visit, no paperwork pile, no waiting weeks for a yes.

Keep more of every sale

Take card payments with wamo POS and spend with physical and virtual Visa cards. Clear costs, no hidden fees.

Money that moves with you

Hold and convert multiple currencies, send and receive locally and across borders, all from one app.

Real people, your language

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

Designed for real-world finance workflows

Small businesses don't fail for lack of effort. They lose time to admin, fees, and systems built for someone else. wamo exists to give that time back, so you can spend your day on the work that actually grows it.

Open in minutes

Set up your business account fully online. No branch visit, no paperwork pile, no waiting weeks for a yes.

Keep more of every sale

Take card payments with wamo POS and spend with physical and virtual Visa cards. Clear costs, no hidden fees.

Money that moves with you

Hold and convert multiple currencies, send and receive locally and across borders, all from one app.

Real people, your language

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

Why does wamo exist?

Small businesses don't fail for lack of effort. They lose time to admin, fees, and systems built for someone else. wamo exists to give that time back, so you can spend your day on the work that actually grows it.

Open in minutes

Set up your business account fully online. No branch visit, no paperwork pile, no waiting weeks for a yes.

Keep more of every sale

Take card payments with wamo POS and spend with physical and virtual Visa cards. Clear costs, no hidden fees.

Money that moves with you

Hold and convert multiple currencies, send and receive locally and across borders, all from one app.

Real people, your language

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

Sammenlign alle funktioner

Wise Business

Feature
Monthly fee

From €0
/month

From €0
/month

Get started in minutes, not days
100% paperless onboarding
Specifically built for SMEs
Dedicated account manager for all plans
Human support for every plan
IBAN included
Global payments (22+ currencies)
Multi-market European coverage
Physical POS terminal

Sammenlign alle funktioner

Wise Business

Feature
Monthly fee

From €0/ month

From €0/ month

Get started in minutes, not days
100% paperless onboarding
Specifically built for SMEs
Dedicated account manager
Human support for every plan
IBAN included
Global payments (22+ currencies)
Multi-market European coverage
Physical POS terminal

Hvem bruger wamo som bank?

Mød de lokale, der stoler på wamo med deres virksomhed.

"wamo giver vores team @jeblikkelig adgang til det, de har brug for, med dedikerede kort og fremragende kundesupport - pracis det, vi ledte efter."

Luca Succi

L2MS SRL

"Med wamo ser vi pengene pa kontoen allerede næste morgen
- i modsætning til andre banker, der tager 3-4 dage."

Rita Boldini

Terme di Bognanco

"wamo giver vores team @jeblikkelig adgang til det, de har brug for, med dedikerede kort og fremragende kundesupport - pracis det, vi ledte efter."

Giuseppe Narcisi

Hotel Il Gelso Bianco

Hvem bruger wamo som bank?

Mød de lokale, der stoler på wamo med deres virksomhed.

"wamo giver vores team @jeblikkelig adgang til det, de har brug for, med dedikerede kort og fremragende kundesupport - pracis det, vi ledte efter."

Luca Succi

L2MS SRL

"Med wamo ser vi pengene pa kontoen allerede næste morgen - i modsætning til andre banker, der tager 3-4 dage."

Rita Boldini

Terme di Bognanco

"wamo giver vores team @jeblikkelig adgang til det, de har brug for, med dedikerede kort og fremragende kundesupport - pracis det, vi ledte efter."

Giuseppe Narcisi

Hotel Il Gelso Bianco

Hvem bruger wamo som bank?

Mød de lokale, der stoler på wamo med deres virksomhed.

"wamo giver vores team @jeblikkelig adgang til det, de har brug for, med dedikerede kort og fremragende kundesupport - pracis det, vi ledte efter."

Luca Succi

L2MS SRL

"Med wamo ser vi pengene pa kontoen allerede næste morgen - i modsætning til andre banker, der tager 3-4 dage."

Rita Boldini

Terme di Bognanco

"wamo giver vores team @jeblikkelig adgang til det, de har brug for, med dedikerede kort og fremragende kundesupport - pracis det, vi ledte efter."

Giuseppe Narcisi

Hotel Il Gelso Bianco

Sammenlign alle funktioner

Wise Business

Feature
Monthly fee from

0 kr.

0 kr.

Get started in minutes, not days
100% paperless onboarding
Specifically built for SMEs
Dedicated account manager for all plans
Human support for every plan
IBAN included
Global payments (22+ currencies)
Multi-market European coverage
Physical POS terminal

Simple, transparent pricing to suit your business

Self-employed

Companies

Freemium

You're just getting started and want simple, essential tools to manage your business account.

0€

11 $

/month

per month, billed annualy

No setup fee

Business Account with EU IBAN

1 physical + 1 virtual Visa cards included

€0.99 per local transfer

Smart

You’re handling multiple projects or clients and need better visibility and control.

10€

15 $

/month

per user, billed annually

No setup fee

Business Account with EU IBAN

1 physical + 2 virtual Visa cards included

20 free transfers/month

€5000/month commission-free local POS transactions

Pro

You’re managing teams, currencies, or cost centres — and looking to scale efficiently.

20€

15 $

/month

per user, billed annually

No setup fee

Business Account with EU IBAN

5 physical + 100 virtual Visa cards included

50 free transfers/month

€7000/month commission-free local POS transactions

Simple, transparent pricing to suit your business

Self-employed

Companies

Freemium

You're just getting started and want simple, essential tools to manage your business account.

0€

11 $

/month

per month, billed annualy

No setup fee

Business Account with EU IBAN

1 physical + 1 virtual Visa cards included

€0.99 per local transfer

Smart

You’re handling multiple projects or clients and need better visibility and control.

10€

15 $

/month

per user, billed annually

No setup fee

Business Account with EU IBAN

1 physical + 2 virtual Visa cards included

20 free transfers/month

€5000/month commission-free local POS transactions

Pro

You’re managing teams, currencies, or cost centres — and looking to scale efficiently.

20€

15 $

/month

per user, billed annually

No setup fee

Business Account with EU IBAN

5 physical + 100 virtual Visa cards included

50 free transfers/month

€7000/month commission-free local POS transactions

Simple, transparent pricing to suit your business

Self-employed

Companies

Freemium

No paperwork. Just tools. Start for free. Pay only when you transact.

0€

11 $

/month

No setup fee

Business account with EU IBAN

€0.99 per local transfer

ATM withdrawals: 2% per transaction

1 physical + 1 virtual Visa cards included

Start

You're a new business with light banking needs or want to keep your banking simple.

20€

15 $

/month

No setup fee

Business account with EU IBAN

€0.49 per local transfer

ATM withdrawals: 1.99% per transaction

1 physical + 1 virtual Visa cards included

€5000/month commission-free local POS transactions

Grow

You're running multiple projects or teams and want better financial clarity and tools.

50€

15 $

/month

per user, billed annually

No setup fee

Business account with EU IBAN

50 free local transfers/month

ATM withdrawals: 5 free/month, 10 with annual plan

5 physical + 10 virtual Visa cards

€15000/month commission-free local POS transactions

Scale

You’re managing multiple users, currencies or cost centres, and could be scaling fast.

99€

15 $

/month

No setup fee

Business account with EU IBAN

250 free local transfers/month

ATM withdrawals: 10 free/month, 15 with annual plan

100 physical + 100 virtual Visa cards

€20000/month commission-free local POS transactions

Frequently asked questions

Get answers to common questions about our pricing and plans

Let's keep in touch

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

Reach out to us for help

What is a wamo business account?
icon

The wamo account is a digital business account that helps you manage your company’s finances efficiently. You can send and receive payments, handle multiple currencies, issue business cards, automate bookkeeping, and control expenses — all from a straightforward, secure platform available on both mobile and desktop.

Is a wamo account secure and compliant?
icon

Yes. We are a licensed and regulated e-money institution (EMI), authorised by the Finnish Financial Supervisory Authority (FIN-FSA). We comply with EU regulations on AML, CTF, and data privacy, and use banking-grade security to protect your money and data.

Who can open a wamo account?
icon

We support registered businesses in the European Economic Area (EEA) and the UK. Eligible types include: Limited Liability Companies (LLC) Public Limited Companies (PLC) Sole traders, freelancers, and self-employed professionals Please note: UK-based sole traders are not currently supported.

How do I open a wamo account?
icon

You can apply online in just a few minutes. Once your application is submitted, we’ll review it as quickly as possible, and you’ll receive the outcome straight to your mailbox.

What documents do I need to apply?
icon

To apply for a wamo business account, you’ll need: Your business’s operating address A short description of your business and where it operates How do you plan to use your wamo account Proof of identity (including a biometric check) Your preferred wamo plan

How much does a wamo business account cost?
icon

We offer different plans to suit your business needs. Visit our pricing page to find the best option for you.

Frequently asked questions

Answers to common questions about getting started and using Vectura day to day.

Let's keep in touch

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

Reach out to us for help

Let's keep in touch

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

Reach out to us for help

What is a wamo business account?
icon

The wamo account is a digital business account that helps you manage your company’s finances efficiently. You can send and receive payments, handle multiple currencies, issue business cards, automate bookkeeping, and control expenses — all from a straightforward, secure platform available on both mobile and desktop.

Is a wamo account secure and compliant?
icon

Yes. We are a licensed and regulated e-money institution (EMI), authorised by the Finnish Financial Supervisory Authority (FIN-FSA). We comply with EU regulations on AML, CTF, and data privacy, and use banking-grade security to protect your money and data.

Who can open a wamo account?
icon

We support registered businesses in the European Economic Area (EEA) and the UK. Eligible types include: Limited Liability Companies (LLC) Public Limited Companies (PLC) Sole traders, freelancers, and self-employed professionals Please note: UK-based sole traders are not currently supported.

How do I open a wamo account?
icon

You can apply online in just a few minutes. Once your application is submitted, we’ll review it as quickly as possible, and you’ll receive the outcome straight to your mailbox.

What documents do I need to apply?
icon

To apply for a wamo business account, you’ll need: Your business’s operating address A short description of your business and where it operates How do you plan to use your wamo account Proof of identity (including a biometric check) Your preferred wamo plan

How much does a wamo business account cost?
icon

We offer different plans to suit your business needs. Visit our pricing page to find the best option for you.

Frequently asked questions

Answers to common questions about getting started and using Vectura day to day.

Let's keep in touch

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

Reach out to us for help

Let's keep in touch

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

Reach out to us for help

What is a wamo business account?
icon

The wamo account is a digital business account that helps you manage your company’s finances efficiently. You can send and receive payments, handle multiple currencies, issue business cards, automate bookkeeping, and control expenses — all from a straightforward, secure platform available on both mobile and desktop.

Is a wamo account secure and compliant?
icon

Yes. We are a licensed and regulated e-money institution (EMI), authorised by the Finnish Financial Supervisory Authority (FIN-FSA). We comply with EU regulations on AML, CTF, and data privacy, and use banking-grade security to protect your money and data.

Who can open a wamo account?
icon

We support registered businesses in the European Economic Area (EEA) and the UK. Eligible types include: Limited Liability Companies (LLC) Public Limited Companies (PLC) Sole traders, freelancers, and self-employed professionals Please note: UK-based sole traders are not currently supported.

How do I open a wamo account?
icon

You can apply online in just a few minutes. Once your application is submitted, we’ll review it as quickly as possible, and you’ll receive the outcome straight to your mailbox.

What documents do I need to apply?
icon

To apply for a wamo business account, you’ll need: Your business’s operating address A short description of your business and where it operates How do you plan to use your wamo account Proof of identity (including a biometric check) Your preferred wamo plan

How much does a wamo business account cost?
icon

We offer different plans to suit your business needs. Visit our pricing page to find the best option for you.

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.