Business account in Estonia
Business account in Estonia
Business account in Estonia
Get going with GBP & EUR IBANs, team Visa debit cards, faster local & international payments and friendly customer support.
Excellent
4.4 out of 5
based on 252 reviews
Excellent
4.4 out of 5
Excellent
4.4 out of 5
The best alternative. wamo is better, faster, friendlier.
The best alternative. wamo is better, faster, friendlier.
It doesn’t have to take weeks, months and mountains of paperwork to open a business account.
With wamo you can apply in 10 minutes
And have your account ready to use in under 48 hours.
wamo is the perfect digital partner
wamo is the perfect digital partner
Estonian companies prefer wamo, with a reason
Estonian companies prefer wamo, with a reason
Estonian companies prefer wamo, with a reason
Business growth partner for E-resident companies
Business growth partner for E-resident companies
Business growth partner for E-resident companies
Visa business debit cards - virtual and pyhsical
Visa business debit cards - virtual and pyhsical
Visa business debit cards - virtual and pyhsical
E-residency friendly business account
E-residency friendly business account
Effortless onboarding process for Estonia E-residents
Effortless onboarding process for Estonia E-residents
Effortless onboarding process for Estonia E-residents
A process tailored to the fast-paced entrepreneurial world
A process tailored to the fast-paced entrepreneurial world
A process tailored to the fast-paced entrepreneurial world
All the services you need in one place
All the services you need in one place
All the services you need in one place
Welcome to fast, easy payments in Estonia
Welcome to fast, easy payments in Estonia
Do business like a local in Estonia, the EU & the UK
Do business like a local in Estonia, the EU & the UK
Do business like a local in Estonia, the EU & the UK
Fast local and international payments
Fast local and international payments
Fast local and international payments
Best customer service
Best customer service
Best customer service
Your trusted financial partner
With the Trustpilot reviews from users who trust us, our average score is 4.3 out of 5.
JS
November 03, 2023
Banking on a budget
What's not to love about Wamo? Their banking fees are so low, it feels like I'm saving money every time I make a transaction. It's like having a financial wizard in your corner.
EH
November 06, 2023
Warp-speed money moves
If you're all about speed, Wamo is where it's at. Their money transfer process is like something out of a sci-fi movie. It's fast, it's furious, and it's fantastic!
CU
October 26, 2023
Easy and straight forward
Easy and straight forward process to open an account. The Commercial team and the Support team helped a lot. Thank you! We look forward to starting to work with the account.
JS
November 03, 2023
Banking on a budget
What's not to love about Wamo? Their banking fees are so low, it feels like I'm saving money every time I make a transaction. It's like having a financial wizard in your corner.
EH
November 06, 2023
Warp-speed money moves
If you're all about speed, Wamo is where it's at. Their money transfer process is like something out of a sci-fi movie. It's fast, it's furious, and it's fantastic!
CU
October 26, 2023
Easy and straight forward
Easy and straight forward process to open an account. The Commercial team and the Support team helped a lot. Thank you! We look forward to starting to work with the account.
JS
November 03, 2023
Banking on a budget
What's not to love about Wamo? Their banking fees are so low, it feels like I'm saving money every time I make a transaction. It's like having a financial wizard in your corner.
EH
November 06, 2023
Warp-speed money moves
If you're all about speed, Wamo is where it's at. Their money transfer process is like something out of a sci-fi movie. It's fast, it's furious, and it's fantastic!
CU
October 26, 2023
Easy and straight forward
Easy and straight forward process to open an account. The Commercial team and the Support team helped a lot. Thank you! We look forward to starting to work with the account.
JS
November 03, 2023
Banking on a budget
What's not to love about Wamo? Their banking fees are so low, it feels like I'm saving money every time I make a transaction. It's like having a financial wizard in your corner.
EH
November 06, 2023
Warp-speed money moves
If you're all about speed, Wamo is where it's at. Their money transfer process is like something out of a sci-fi movie. It's fast, it's furious, and it's fantastic!
CU
October 26, 2023
Easy and straight forward
Easy and straight forward process to open an account. The Commercial team and the Support team helped a lot. Thank you! We look forward to starting to work with the account.
Your trusted financial partner
With the Trustpilot reviews from users who trust us, our average score is 4.3 out of 5.
JS
November 03, 2023
Banking on a budget
What's not to love about Wamo? Their banking fees are so low, it feels like I'm saving money every time I make a transaction. It's like having a financial wizard in your corner.
EH
November 06, 2023
Warp-speed money moves
If you're all about speed, Wamo is where it's at. Their money transfer process is like something out of a sci-fi movie. It's fast, it's furious, and it's fantastic!
CU
October 26, 2023
Easy and straight forward
Easy and straight forward process to open an account. The Commercial team and the Support team helped a lot. Thank you! We look forward to starting to work with the account.
JS
November 03, 2023
Banking on a budget
What's not to love about Wamo? Their banking fees are so low, it feels like I'm saving money every time I make a transaction. It's like having a financial wizard in your corner.
EH
November 06, 2023
Warp-speed money moves
If you're all about speed, Wamo is where it's at. Their money transfer process is like something out of a sci-fi movie. It's fast, it's furious, and it's fantastic!
CU
October 26, 2023
Easy and straight forward
Easy and straight forward process to open an account. The Commercial team and the Support team helped a lot. Thank you! We look forward to starting to work with the account.
JS
November 03, 2023
Banking on a budget
What's not to love about Wamo? Their banking fees are so low, it feels like I'm saving money every time I make a transaction. It's like having a financial wizard in your corner.
EH
November 06, 2023
Warp-speed money moves
If you're all about speed, Wamo is where it's at. Their money transfer process is like something out of a sci-fi movie. It's fast, it's furious, and it's fantastic!
CU
October 26, 2023
Easy and straight forward
Easy and straight forward process to open an account. The Commercial team and the Support team helped a lot. Thank you! We look forward to starting to work with the account.
JS
November 03, 2023
Banking on a budget
What's not to love about Wamo? Their banking fees are so low, it feels like I'm saving money every time I make a transaction. It's like having a financial wizard in your corner.
EH
November 06, 2023
Warp-speed money moves
If you're all about speed, Wamo is where it's at. Their money transfer process is like something out of a sci-fi movie. It's fast, it's furious, and it's fantastic!
CU
October 26, 2023
Easy and straight forward
Easy and straight forward process to open an account. The Commercial team and the Support team helped a lot. Thank you! We look forward to starting to work with the account.
Your trusted financial partner
With the Trustpilot reviews from users who trust us, our average score is 4.3 out of 5.
JS
November 03, 2023
Banking on a budget
What's not to love about Wamo? Their banking fees are so low, it feels like I'm saving money every time I make a transaction. It's like having a financial wizard in your corner.
EH
November 06, 2023
Warp-speed money moves
If you're all about speed, Wamo is where it's at. Their money transfer process is like something out of a sci-fi movie. It's fast, it's furious, and it's fantastic!
CU
October 26, 2023
Easy and straight forward
Easy and straight forward process to open an account. The Commercial team and the Support team helped a lot. Thank you! We look forward to starting to work with the account.
JS
November 03, 2023
Banking on a budget
What's not to love about Wamo? Their banking fees are so low, it feels like I'm saving money every time I make a transaction. It's like having a financial wizard in your corner.
EH
November 06, 2023
Warp-speed money moves
If you're all about speed, Wamo is where it's at. Their money transfer process is like something out of a sci-fi movie. It's fast, it's furious, and it's fantastic!
CU
October 26, 2023
Easy and straight forward
Easy and straight forward process to open an account. The Commercial team and the Support team helped a lot. Thank you! We look forward to starting to work with the account.
JS
November 03, 2023
Banking on a budget
What's not to love about Wamo? Their banking fees are so low, it feels like I'm saving money every time I make a transaction. It's like having a financial wizard in your corner.
EH
November 06, 2023
Warp-speed money moves
If you're all about speed, Wamo is where it's at. Their money transfer process is like something out of a sci-fi movie. It's fast, it's furious, and it's fantastic!
CU
October 26, 2023
Easy and straight forward
Easy and straight forward process to open an account. The Commercial team and the Support team helped a lot. Thank you! We look forward to starting to work with the account.
JS
November 03, 2023
Banking on a budget
What's not to love about Wamo? Their banking fees are so low, it feels like I'm saving money every time I make a transaction. It's like having a financial wizard in your corner.
EH
November 06, 2023
Warp-speed money moves
If you're all about speed, Wamo is where it's at. Their money transfer process is like something out of a sci-fi movie. It's fast, it's furious, and it's fantastic!
CU
October 26, 2023
Easy and straight forward
Easy and straight forward process to open an account. The Commercial team and the Support team helped a lot. Thank you! We look forward to starting to work with the account.
Kris Jes Petersen
“Great community is a key to successful co-working environment and wamo is all about community”
Partner at Soho Office, Malta
Kris Jes Petersen
“Great community is a key to successful co-working environment and wamo is all about community”
Partner at Soho Office, Malta
Kris Jes Petersen
“Great community is a key to successful co-working environment and wamo is all about community”
Partner at Soho Office, Malta
Vladislav Patserin
"Opening the bank account for a fintech startup in Finland was a real hassle until we contacted Wamo. We started working with clients from the EU and even expanded to the Middle East thanks to the easy process and helpful assistance from Wamo."
CCO, Lintu Investments Oy
Vladislav Patserin
"Opening the bank account for a fintech startup in Finland was a real hassle until we contacted Wamo. We started working with clients from the EU and even expanded to the Middle East thanks to the easy process and helpful assistance from Wamo."
CCO, Lintu Investments Oy
Vladislav Patserin
"Opening the bank account for a fintech startup in Finland was a real hassle until we contacted Wamo. We started working with clients from the EU and even expanded to the Middle East thanks to the easy process and helpful assistance from Wamo."
CCO, Lintu Investments Oy
Notify your recipients
When you send money, they’ll get an email alert.
Notify your recipients
When you send money, they’ll get an email alert.
Notify your recipients
When you send money, they’ll get an email alert.
Multi-currency
Make global payments like a local in EUR and GBP (more currencies coming soon!).
Multi-currency
Make global payments like a local in EUR and GBP (more currencies coming soon!).
Multi-currency
Make global payments like a local in EUR and GBP (more currencies coming soon!).
Safe & secure
Your money is protected by a licensed bank in a safeguarded account.
Safe & secure
Your money is protected by a licensed bank in a safeguarded account.
Safe & secure
Your money is protected by a licensed bank in a safeguarded account.
Realtime alerts
Stay on top of your payments with emails and text notifications.
Realtime alerts
Stay on top of your payments with emails and text notifications.
Realtime alerts
Stay on top of your payments with emails and text notifications.
Frequently asked
questions
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.
Do I need to be in your office to open a business account?
With wamo, you don’t have to be in our offices or in Estonia to open a business account. Our application process is completely online. If you have any questions about opening an account, feel free to contact us. We're available 6 days a week and typically respond in under 5 minutes. Come to our live support chat on our website, or by emailing support@wamo.io.
What is wamo?
wamo is a payments and financial management platform that works just like a bank. But wamo is not a bank. A fintech service like ours and many others works in partnership with a banking service provider to bring you all the benefits of banking without much of the hassle. wamo provides a business account that is easy to use, designed specifically to meet the needs of small and medium-sized businesses. You’ll get fast local and international payments, virtual debit cards for online spending. The ability to create up to 10 sub-accounts each with the option of either a EUR or GBP IBAN. A choice of subscription plans that you can change as your needs change and real, human customer support from a friendly professional team who are committed to your business success.
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.
Do I need to be in your office to open a business account?
With wamo, you don’t have to be in our offices or in Estonia to open a business account. Our application process is completely online. If you have any questions about opening an account, feel free to contact us. We're available 6 days a week and typically respond in under 5 minutes. Come to our live support chat on our website, or by emailing support@wamo.io.
What is wamo?
wamo is a payments and financial management platform that works just like a bank. But wamo is not a bank. A fintech service like ours and many others works in partnership with a banking service provider to bring you all the benefits of banking without much of the hassle. wamo provides a business account that is easy to use, designed specifically to meet the needs of small and medium-sized businesses. You’ll get fast local and international payments, virtual debit cards for online spending. The ability to create up to 10 sub-accounts each with the option of either a EUR or GBP IBAN. A choice of subscription plans that you can change as your needs change and real, human customer support from a friendly professional team who are committed to your business success.
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.
Do I need to be in your office to open a business account?
With wamo, you don’t have to be in our offices or in Estonia to open a business account. Our application process is completely online. If you have any questions about opening an account, feel free to contact us. We're available 6 days a week and typically respond in under 5 minutes. Come to our live support chat on our website, or by emailing support@wamo.io.
What is wamo?
wamo is a payments and financial management platform that works just like a bank. But wamo is not a bank. A fintech service like ours and many others works in partnership with a banking service provider to bring you all the benefits of banking without much of the hassle. wamo provides a business account that is easy to use, designed specifically to meet the needs of small and medium-sized businesses. You’ll get fast local and international payments, virtual debit cards for online spending. The ability to create up to 10 sub-accounts each with the option of either a EUR or GBP IBAN. A choice of subscription plans that you can change as your needs change and real, human customer support from a friendly professional team who are committed to your business success.
Solutions
© 2025 wamo. Wamo Solutions Oy is authorised by the Finnish Financial Supervisory Authority (FSA) as an Electronic Money Institution (No. 3368055-9). Visa cards are issued by wamo Solutions Oy.
wamo.io LTD (FRN: 922901) is a distributor of Modulr FS Limited, authorised and regulated by the UK Financial Conduct Authority (FRN: 900573). Payment services and Visa debit cards are issued by Modulr FS Limited.
Wamo Solutions LTD is a partner of Modulr Finance B.V., authorised and regulated by the Dutch Central Bank (DNB, R182870). Payment services and Visa debit cards are issued by Modulr Finance B.V.
Please see here for full details.
Empowering businesses globally with seamless financial solutions. Enabling cost-efficient and instant payments, worldwide.
Solutions
Company
© 2025 wamo. Wamo Solutions Oy is authorised by the Finnish Financial Supervisory Authority (FSA) as an Electronic Money Institution (No. 3368055-9). Visa cards are issued by wamo Solutions Oy.
wamo.io LTD (FRN: 922901) is a distributor of Modulr FS Limited, authorised and regulated by the UK Financial Conduct Authority (FRN: 900573). Payment services and Visa debit cards are issued by Modulr FS Limited.
Wamo Solutions LTD is a partner of Modulr Finance B.V., authorised and regulated by the Dutch Central Bank (DNB, R182870). Payment services and Visa debit cards are issued by Modulr Finance B.V.
Please see here for full details.
Empowering businesses globally with seamless financial solutions. Enabling cost-efficient and instant payments, worldwide.
Solutions
Company
© 2025 wamo. Wamo Solutions Oy is authorised by the Finnish Financial Supervisory Authority (FSA) as an Electronic Money Institution (No. 3368055-9). Visa cards are issued by wamo Solutions Oy.
wamo.io LTD (FRN: 922901) is a distributor of Modulr FS Limited, authorised and regulated by the UK Financial Conduct Authority (FRN: 900573). Payment services and Visa debit cards are issued by Modulr FS Limited.
Wamo Solutions LTD is a partner of Modulr Finance B.V., authorised and regulated by the Dutch Central Bank (DNB, R182870). Payment services and Visa debit cards are issued by Modulr Finance B.V.
Please see here for full details.