Get an exclusive virtual Visa debit card designed by Italian artist Francesco Poroli for International Women’s Day.
Virtually issued and ready to use today
Smart spending tools to keep you in control
Hold balances in 5 currencies; receive payments in 22
Get local IBANs in DE, DK, LU, FI* and GB
Instantly convert currencies at competitive rates with no limits
Send money to 50+ countries in seconds
Issue and control business Visa debit cards and flexible sub-accounts
Up to 1% cashback with annual plans
*Merchants registered outside of Finland: please contact support to enable.
Get started in just 10 minutes
No more long waits or pointless paperwork. In just a few minutes you can start enjoying the benefits of wamo.
1
Sign up online
Complete our simple application in a few minutes.
Business details, including directors if applicable.
2
Verify your identity
You are securely verified to keep your account safe.
Proof of identity and address, including biometric check.
3
Start banking
Most applications are approved within 24 hours.
First stop, activate your account and create your virtual card.
Built by women. Backed by wamo.
Women across Europe are building its future: founding companies, creating jobs, and driving economies forward.
Building a business is hard. Doing it as a woman shouldn't be harder. This March, we're removing a critical hurdle: the cost of banking.
Women founders get 6 months of wamo Grow or Smart for free*.
Celebrate all you've accomplished
To celebrate your drive and mark your place in this new generation of business, we’ve created the “Women Who Build Europe” digital badge. It’s a symbol of the work you’re doing today to shape the world of tomorrow.
Add the badge to your LinkedIn profile, your website, or your social channels. Use the hashtag #WomenWhoBuildEurope so we can cheer you on.
POS with 0% commission*
Everyday business brings challenges. Handling money shouldn’t be one of them. With wamo, you get up to 1% cashback on spending and 0% POS commission.*
No monthly fee or hidden costs
0 commissions* on transactions up to €10,000 per month for 36 months, for a maximum total of €360,000
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
What is a wamo business account?
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?
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?
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?
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?
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?
We offer different plans to suit your business needs. Visit our pricing page to find the best option for you.