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.
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.
Who banks on wamo?
Meet the businesses that trust 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 trust 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 trust 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
Get the human support you need
We know how important it is to speak to someone who understands your business.
Chat to a real person via in-app chat, Whatsapp or email
Multilingual local support team ready to help
Get fast, helpful answers when you need them most
Simple, transparent pricing to suit your business
Self-employed
Companies
Freemium
You're just getting started and want simple, essential tools to manage your business account.
0€
11 $
/month
per month, billed annualy
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
Smart
You’re handling multiple projects or clients and need better visibility and control.
10€
15 $
/month
per user, billed annually
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
€5,000/month commission-free local POS transactions
Pro
You’re managing teams, currencies, or cost centres — and looking to scale efficiently.
20€
15 $
/month
per user, billed annually
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
€7,000/month commission-free local POS transactions
Simple, transparent pricing to suit your business
Self-employed
Companies
Freemium
You're just getting started and want simple, essential tools to manage your business account.
0€
11 $
/month
per month, billed annualy
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
Smart
You’re handling multiple projects or clients and need better visibility and control.
10€
15 $
/month
per user, billed annually
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
€5,000/month commission-free local POS transactions
Pro
You’re managing teams, currencies, or cost centres — and looking to scale efficiently.
20€
15 $
/month
per user, billed annually
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
€7,000/month commission-free local POS transactions
Simple, transparent pricing to suit your business
Self-employed
Companies
Freemium
No paperwork. Just tools. Start for free. Pay only when you transact.
0€
11 $
/month
No setup fee
Business account with EU IBAN
€0.99 per local transfer
ATM withdrawals: 1.99% per transaction
1 physical + 1 virtual Visa cards included
Start
You're a new business with light banking needs or want to keep your banking simple.
20€
15 $
/month
No setup fee
Business account with EU IBAN
€0.49 per local transfer
ATM withdrawals: 1.99% per transaction
1 physical + 1 virtual Visa cards included
€5,000/month commission-free local POS transactions
Grow
You're running multiple projects or teams and want better financial clarity and tools.
50€
15 $
/month
per user, billed annually
No setup fee
Business account with EU IBAN
50 free local transfers/month
ATM withdrawals: 5 free/month, 10 with annual plan
5 physical + 10 virtual Visa cards
€15,000/month commission-free local POS transactions
Scale
You’re managing multiple users, currencies or cost centres, and could be scaling fast.
99€
15 $
/month
No setup fee
Business account with EU IBAN
250 free local transfers/month
ATM withdrawals: 10 free/month, 15 with annual plan
100 physical + 100 virtual Visa cards
€20,000/month commission-free local POS transactions
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
Reach out to us for help
Reach out to us for help
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.
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.