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

Get answers to common questions about our pricing and plans
Get answers to common questions about our pricing and plans

What is a wamo business account?

What is a wamo business account?

What is a wamo business account?

Is a wamo account secure and compliant?

Is a wamo account secure and compliant?

Is a wamo account secure and compliant?

Who can open a wamo account?

Who can open a wamo account?

Who can open a wamo account?

How do I open a wamo account?

How do I open a wamo account?

How do I open a wamo account?

What documents do I need to apply?

What documents do I need to apply?

What documents do I need to apply?

How much does a wamo business account cost?

How much does a wamo business account cost?

How much does a wamo business account cost?

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.