4.7 Excellent
Which Is better for European SMEs?
wamo vs OP
Multi-currency accounts, team Visa cards, fast local and cross-border payments, and real human support — all in one app. Join 15,000+ European SMEs who choose wamo.
Why European SMEs choose wamo
Small businesses don't fail for lack of effort. They lose time to admin, fees, and systems built for someone else. wamo exists to give that time back, so you can spend your day on the work that actually grows it.
Small businesses don't fail for lack of effort. They lose time to admin, fees, and systems built for someone else. wamo exists to give that time back, so you can spend your day on the work that actually grows it.
Open in minutes
Set up your business account fully online. No branch visit, no paperwork pile, no waiting weeks for a yes.
Keep more of every sale
Take card payments with wamo POS and spend with physical and virtual Visa cards. Clear costs, no hidden fees.
Money that moves with you
Hold and convert multiple currencies, send and receive locally and across borders, all from one app.
Real people, your language
Get support from a local-language team, not a chatbot maze. Plus AI tools that turn your transactions into time saved.
Here's how wamo compares to Nordea
Here's how wamo compares to Nordea
OP
Monthly fee
Monthly fee from
From €0/month
€0
From €12.90/month (+ €100 setup fee)
€0
Get started in minutes, not days
Get started in minutes, not days
100% paperless onboarding
100% paperless onboarding
Specifically built for SMEs
Specifically built for SMEs
Dedicated account manager
Dedicated account manager
Human support for every plan
Human support for every plan
Finnish IBAN included
Finnish IBAN included
Multi-currency accounts
Multi-currency accounts
Global payments (22+ currencies)
Global payments (22+ currencies)
Multi-market European coverage
Multi-market European coverage
Physical POS terminal
Physical POS terminal
Free cash register
Free cash register
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
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
Billed Monthly
Billed Yearly
Save up to 20%
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
2.19 % per ATM withdrawal
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
2.19 % per ATM withdrawal
1 physical + 1 virtual Visa cards included
€1000/month commission-free local POS transactions
Grow
You're running multiple projects or teams and want better financial clarity and tools.
€59
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
€10000/month commission-free local POS transactions
Scale
You’re managing multiple users, currencies or cost centres, and could be scaling fast.
€109
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
€15000/month commission-free local POS transactions
Simple, transparent pricing to suit your business
Self-employed
Companies
Billed Monthly
Billed Yearly
Save up to 20%
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
2.19 % per ATM withdrawal
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
2.19 % per ATM withdrawal
1 physical + 1 virtual Visa cards included
€1000/month commission-free local POS transactions
Grow
You're running multiple projects or teams and want better financial clarity and tools.
€59
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
€10000/month commission-free local POS transactions
Scale
You’re managing multiple users, currencies or cost centres, and could be scaling fast.
€109
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
€15000/month commission-free local POS transactions
Simple, transparent pricing to suit your business
Self-employed
Companies
Billed Monthly
Billed Yearly
Save up to 20%
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
2.19 % per ATM withdrawal
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
2.19 % per ATM withdrawal
1 physical + 1 virtual Visa cards included
€1000/month commission-free local POS transactions
Grow
You're running multiple projects or teams and want better financial clarity and tools.
€59
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
€10000/month commission-free local POS transactions
Scale
You’re managing multiple users, currencies or cost centres, and could be scaling fast.
€109
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
€15000/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
What's the main difference between wamo and an OP business account?
What's the main difference between wamo and an OP business account?
How does wamo's pricing compare to an OP business account?
How does wamo's pricing compare to an OP business account?
Does OP give you a dedicated account manager like wamo?
Does OP give you a dedicated account manager like wamo?
Can I use wamo as an alternative to an OP business account?
Can I use wamo as an alternative to an OP business account?
We stand for business
Apply in around 10 minutes or less. Get the tools and support to un things your way, from day one.
We stand for business
Apply in around 10 minutes or less. Get the tools and support to un things your way, from day one.