Track spend without losing your grip

Cards and more for the team with a handy real-time spend tracker. No more surprises – just simple and smart expense control.

Spend control

Real-time tracking

Team-friendly

Track spend without losing your grip

Cards and more for the team with a handy real-time spend tracker. No more surprises – just simple and smart expense control.

Spend control

Real-time tracking

Team-friendly

Track spend without losing your grip

Cards and more for the team with a handy real-time spend tracker. No more surprises – just simple and smart expense control.

Spend control

Real-time tracking

Team-friendly

Smart team spending

Issue cards to team members and set spending rules that match your budget.

Live insights

See every transaction as it happens and keep tabs on team spend in real time.

No more guesswork

Automated categorisation makes expense reporting simple, accurate, and audit-friendly.

Multi-account budgeting 

Manage your business spending by team, project, or expense.

Keep projects, teams, and expenses organised

Monitor spend in real time across all accounts

Control team spend with dedicated sub-accounts

Choose your access

Customise roles and permissions for efficient, secure teamwork.

Assign access levels – Employee, Manager, or Director

Decide who can make payments, issue cards, or manage users

Get statements 24/7 for any team member's sub-account

How it works

1

Apply for a wamo account

Once approved, you can select the expense management tools you need.

2

Issue team cards

Create virtual or physical cards with limits and rules tailored to each team member or role.

3

Set spend policies

Assign sub-accounts, create access levels, and track every purchase as it happens.

4

Manage and export

Easily review expenses, download reports, and integrate with your accounting tools.

Simple, transparent pricing to suit your business

Self-employed
Companies

Freemium

€0

/month

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

No setup fee

Business Account with EU IBAN

1 virtual Visa card included

€0.99 per local transfer

1.99% per ATM withdrawal

€9.99

/month

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

Smart

No setup fee

Business Account with EU IBAN

1 physical + 2 virtual Visa cards included

20 free transfers/month

ATM withdrawals: 2 free/month, 5 with annual plan

€19.99

/month

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

Pro

TOP PICK

No setup fee

Business Account with EU IBAN

3 physical + unlimited virtual Visa cards included

50 free transfers/month

ATM withdrawals: 4 free/month, 10 with annual plan

Self-employed
Companies
Self-employed
Companies

Who banks on wamo?

Meet the locals who trust wamo with their business. 

Who banks on wamo?

Meet the locals who trust wamo with their business. 

Who banks on wamo?

Meet the locals who trust wamo with their business. 

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.

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.

Frequently asked questions

Find your answer here or contact us. We want no questions in the air.

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.

Frequently asked questions

Find your answer here or contact us. We want no questions in the air.

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.

We stand for business

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

We stand for business

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