Excellent

4.6 out of 5 on

Get a wamo freemium account

Stop paying monthly fees for banking features your business doesn't actually need. Join over 10,000 EU businesses who chose wamo.

Open an account

Excellent

4.6 out of 5 on

Get a wamo freemium account

Stop paying monthly fees for banking features your business doesn't actually need. Join over 10,000 EU businesses who chose wamo.

Open an account

Excellent

4.6 out of 5 on

Get a wamo freemium account

Stop paying monthly fees for banking features your business doesn't actually need. Join over 10,000 EU businesses who chose wamo.

Open an account

  • 5000+

    happy customers in Europe

  • Regulated

    by Finnish Financial Authorities

  • Seamless

    POS Integration

  • FX rates

    for SMEs

  • Local, real human

    support

How much does your banking subscription cost?

Compare what you're paying now vs. what you could save

Traditional Bank

What you pay now

Annual Cost: €300-420/year

Fees, draining your business

Other EU Neo Banks

Other digital options

Annual Cost: €84-300/year

Better, but you're still paying fees

Using wamo

 With wamo Freemium

Annual Cost: €0/year

You save: up to €420 every year

Everything included without monthly fees

Business account with European IBAN

1 Visa card included

Free internal transfers

1 sub-account per currency

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 physical + 1 virtual Visa cards included

€0.99 per local transfer

1.99% per ATM withdrawal

Choose Freemium

€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

Choose Smart

€19.99

/month

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

Pro

No setup fee

Business Account with EU IBAN

5 physical + 100 virtual Visa cards included

50 free transfers/month

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

Choose Pro

See all pricing

Self-employed
Companies

See all pricing

Self-employed
Companies

See all pricing

Pay only for what you actually use

Inbound SWIFT

Outbound SWIFT

Outgoing local transfers 0.99 per transaction

ATM withdrawals

Why choose wamo when you already have a bank account?

Most European businesses have multiple bank accounts. Let each one serve your business best.

Open an account

Open an account

Open an account

What to expect when opening your account 

You could get started with wamo in minutes, not days. 

Sign up online

Complete our simple application in a few minutes.

Business details, including directors if applicable

Verify your identity

You are securely verified to keep your account safe.

Proof of identity and address, including biometric check

Use your account

Most applications are approved within 24 hours.

First stop, activate your account and create your virtual card.

Open an account

Open an account

Open an account

Need help?

Read about wamo eligibility, opening your account or contact us.

Read about wamo eligibility, opening your account or contact us.

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.

Apply now

We stand for business

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

Apply now

We stand for business

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

Apply now