Trusted by 2,000+
Malta businesses.
4.7 Excellent
The business account that works as hard as you do.
0% POS commission*, next-day payouts, and cashback campaigns that bring customers to local businesses. Join 2,000+ Malta businesses already on wamo.
Why does wamo exist?
Running a business in Malta shouldn't mean weeks of bank paperwork and fees built for someone else. wamo gives you an account, card payments and POS in one app, set up in minutes, with a Maltese team that actually answers.
0% POS commission*
Take card payments and keep your sales. 0% commission on card payments on eligible plans, so more of every euro stays with you.
Cashback that brings people in
wamo regularly runs cashback campaigns that bring customers to Malta’s businesses.
Next-day payouts
Get paid fast. Your card takings land in your account the next day, so your cash flow keeps moving.
Everything in one app
Your account, cards, payments and POS in a single app. Run the money side of your business from your phone, wherever you are.
Why does wamo exist?
Running a business in Malta shouldn't mean weeks of bank paperwork and fees built for someone else. wamo gives you an account, card payments and POS in one app, set up in minutes, with a Maltese team that actually answers.
0% POS commission*
Take card payments and keep your sales. 0% commission on card payments on eligible plans, so more of every euro stays with you.
Cashback that brings people in
wamo regularly runs cashback campaigns that bring customers to Malta’s businesses.
Next-day payouts
Get paid fast. Your card takings land in your account the next day, so your cash flow keeps moving.
Everything in one app
Your account, cards, payments and POS in a single app. Run the money side of your business from your phone, wherever you are.
Why does wamo exist?
Running a business in Malta shouldn't mean weeks of bank paperwork and fees built for someone else. wamo gives you an account, card payments and POS in one app, set up in minutes, with a Maltese team that actually answers.
0% POS commission*
Take card payments and keep your sales. 0% commission on card payments on eligible plans, so more of every euro stays with you.
Cashback that brings people in
wamo regularly runs cashback campaigns that bring customers to Malta’s businesses.
Next-day payouts
Get paid fast. Your card takings land in your account the next day, so your cash flow keeps moving.
Everything in one app
Your account, cards, payments and POS in a single app. Run the money side of your business from your phone, wherever you are.
Open in 10 minutes, not weeks
Opening a business account at a traditional Maltese bank can mean branch visits, forms and weeks of waiting. wamo takes about 10 minutes, fully online. No queue, no paperwork pile. Switch over and start taking payments fast.
Open in 10 minutes, not weeks
Opening a business account at a traditional Maltese bank can mean branch visits, forms and weeks of waiting. wamo takes about 10 minutes, fully online. No queue, no paperwork pile. Switch over and start taking payments fast.
Open in 10 minutes, not weeks
Opening a business account at a traditional Maltese bank can mean branch visits, forms and weeks of waiting. wamo takes about 10 minutes, fully online. No queue, no paperwork pile. Switch over and start taking payments fast.
Regulated and trusted locally
Regulated
A licensed Electronic Money Institution, authorised by the FIN-FSA. Your funds are safeguarded.
Trusted locally
Thousands of Malta businesses already run on wamo.
4.7 Excellent
Regulated and trusted locally
Regulated
A licensed Electronic Money Institution, authorised by the FIN-FSA. Your funds are safeguarded.
Trusted locally
Thousands of Malta businesses already run on wamo.
4.7 Excellent
Regulated and trusted locally
Regulated
A licensed Electronic Money Institution, authorised by the FIN-FSA. Your funds are safeguarded.
Trusted locally
Thousands of Malta businesses already run on wamo.
4.7 Excellent
Malta businesses on wamo
wamo POS terminals
970+ Trustpilot reviews
Malta businesses on wamo
wamo POS terminals
970+ Trustpilot reviews
Who banks on wamo?
Meet the businesses that choose wamo.
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
"With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days."
Rita Boldini
Terme di Bognanco
"We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances."
Giuseppe Narcisi
Hotel Il Gelso Bianco
Who banks on wamo?
Meet the businesses that choose wamo.
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
"With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days."
Rita Boldini
Terme di Bognanco
"We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances."
Giuseppe Narcisi
Hotel Il Gelso Bianco
Who banks on wamo?
Meet the businesses that choose wamo.
"wamo gives our team instant access to what they need, with dedicated cards and great customer support, it’s exactly what we were looking for."
Luca Succi
L2MS SRLS
"With wamo, we see the settlement in our account the next morning, unlike other banks that take 3 or 4 days."
Rita Boldini
Terme di Bognanco
"We manage our team’s daily spending, cards, and POS payments easily, all from one app. wamo truly simplifies our finances."
Giuseppe Narcisi
Hotel Il Gelso Bianco
Frequently asked questions
Frequently asked questions
Get answers to common questions about our pricing and plans
Get answers to common questions about our pricing and plans
A wamo account is a digital business account for managing your company's money in one place. Send and receive payments, take card payments with a POS terminal, hold and exchange multiple currencies, issue Visa debit cards, and track spending, all from your phone or desktop.
Yes, on eligible paid plans. You pay 0% commission on in-person card payments up to a monthly volume allowance, with no monthly terminal fee and no setup cost. Terms and conditions apply.
Card takings reach your wamo account the next business day once payments settle, so your cash flow keeps moving. You can see settlements and match them to sub-accounts in the app.
An Adyen-powered smart terminal that takes contactless, chip and PIN, and mobile wallet payments, with built-in receipt printing on supported models. There's no upfront cost: you choose your terminal when you open your wamo account, and the exact model is confirmed at order. It's fully integrated with your account, so every sale syncs straight to your dashboard.
Open your wamo account first, then order your terminal from inside the app. Approval includes a standard business risk check, so a terminal isn't guaranteed for every account, but most eligible Malta businesses are set up quickly. Our Malta team can help if you get stuck.
Yes. wamo is a licensed and regulated electronic money institution (EMI), authorised by the Finnish Financial Supervisory Authority (FIN-FSA). We follow EU rules on anti-money-laundering, counter-terrorist-financing and data privacy, use industry-leading encryption to protect your money and data, and safeguard customer funds as required for an EMI.
wamo is open to registered businesses, sole traders and freelancers in Malta and across the European Economic Area. You'll just need your business details and a quick identity check to apply.
