An Estonian business account that works across borders
Multi-currency, IBANs, international payments, Visa debit cards – all in one place.
An Estonian business account that works across borders
Multi-currency, IBANs, international payments, Visa debit cards – all in one place.
An Estonian business account that works across borders
Multi-currency, IBANs, international payments, Visa debit cards – all in one place.
Do business across borders
Get paid and pay suppliers globally, all from one smart business account.
Open and manage your wamo account fully online
Accept and send payments in 22 currencies
Access competitive FX rates on every conversion
Get the human support you need
We know how important it is to speak to someone who understands your business.
Chat to a real person via in-app chat, Whatsapp or email
Local support team ready to help in Maltese, Italian, English and more
Get fast, helpful answers when you need them most
Visa debit cards for your team
Stay in full control of company spending with flexible, secure business cards.
Issue unlimited virtual and physical Visa debit cards
Link each card to a dedicated sub-account
Get real-time spend notifications
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
Find your answer here or contact us. We want no questions in the air.
Find your answer here or contact us. We want no questions in the air.
How long does it take to open a business account in Estonia?
With wamo setting up a business account is quick and simple. Registration usually takes 10-15 minutes, our team will then review your application and might request additional information or documentation. It typically takes under 48 hours (if all goes well as low as 15 minutes!) to have your business account ready.
How long does it take to open a business account in Estonia?
With wamo setting up a business account is quick and simple. Registration usually takes 10-15 minutes, our team will then review your application and might request additional information or documentation. It typically takes under 48 hours (if all goes well as low as 15 minutes!) to have your business account ready.
How long does it take to open a business account in Estonia?
With wamo setting up a business account is quick and simple. Registration usually takes 10-15 minutes, our team will then review your application and might request additional information or documentation. It typically takes under 48 hours (if all goes well as low as 15 minutes!) to have your business account ready.
What do I need to open a business account in Estonia?
To open a business bank account in Estonia, banks generally require specific documents. These include proof of identity, proof of address, a business plan and proof of the source of funds. Requirements can vary, so it's important to check with your chosen bank for specifics.
At wamo, we will ask you for:
Your, your directors’ and your shareholders’ proof of ID and proof of addresses
Your company name, registration number and business addresses
Your company’s website address, or links to other online presence (e.g. social media pages). We're required to ask for this as part of our financial regulations to open an account. If you don't have any online presence, then you can let us know how you market yourselves instead.
A bit of information about what your business does. For example: what products or services you buy or sell.
We’ll also ask for these documents:
Certificate of incorporation
Memorandum and Articles of Association (company registration documents)
Registry Extract showing Beneficial Owners
Proof of address (e.g., utility bill, bank statement or rental agreement) - Dated within the last 6 months.
Learn more
What do I need to open a business account in Estonia?
To open a business bank account in Estonia, banks generally require specific documents. These include proof of identity, proof of address, a business plan and proof of the source of funds. Requirements can vary, so it's important to check with your chosen bank for specifics.
At wamo, we will ask you for:
Your, your directors’ and your shareholders’ proof of ID and proof of addresses
Your company name, registration number and business addresses
Your company’s website address, or links to other online presence (e.g. social media pages). We're required to ask for this as part of our financial regulations to open an account. If you don't have any online presence, then you can let us know how you market yourselves instead.
A bit of information about what your business does. For example: what products or services you buy or sell.
We’ll also ask for these documents:
Certificate of incorporation
Memorandum and Articles of Association (company registration documents)
Registry Extract showing Beneficial Owners
Proof of address (e.g., utility bill, bank statement or rental agreement) - Dated within the last 6 months.
Learn more
What do I need to open a business account in Estonia?
To open a business bank account in Estonia, banks generally require specific documents. These include proof of identity, proof of address, a business plan and proof of the source of funds. Requirements can vary, so it's important to check with your chosen bank for specifics.
At wamo, we will ask you for:
Your, your directors’ and your shareholders’ proof of ID and proof of addresses
Your company name, registration number and business addresses
Your company’s website address, or links to other online presence (e.g. social media pages). We're required to ask for this as part of our financial regulations to open an account. If you don't have any online presence, then you can let us know how you market yourselves instead.
A bit of information about what your business does. For example: what products or services you buy or sell.
We’ll also ask for these documents:
Certificate of incorporation
Memorandum and Articles of Association (company registration documents)
Registry Extract showing Beneficial Owners
Proof of address (e.g., utility bill, bank statement or rental agreement) - Dated within the last 6 months.
Learn more
Do I need to be in your office to open a business account?
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.
Do I need to be in your office to open a business account?
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.
Do I need to be in your office to open a business account?
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.
What is wamo?
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.
What is wamo?
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.
What is wamo?
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.
