Your digital financial partner in Estonia

Open a wamo business account from anywhere and start managing your company’s finances with local IBANs, multi-currency tools, and full control from your dashboard.

Get started now

Your digital financial partner in Estonia

Open a wamo business account from anywhere and start managing your company’s finances with local IBANs, multi-currency tools, and full control from your dashboard.

Get started now

Your digital financial partner in Estonia

Open a wamo business account from anywhere and start managing your company’s finances with local IBANs, multi-currency tools, and full control from your dashboard.

Get started now

Made for growing businesses

Manage your business spending by team, project, or expense.

Hold up to 5 currencies in your account: EUR, GBP, USD, SEK, and DKK.

Convert currencies instantly within the app for better control and flexibility.

Send money worldwide to over 47 countries using built-in SWIFT.

Get paid your way

Flexible options for receiving money, wherever your clients are.

Trade confidently in 22 currencies.

Share payment links to request funds via email, WhatsApp, or SMS.

Track all incoming payments in real time.

Why businesses love us?

Your success is our passion and top priority

We're not just about financial services; we're passionate about your success.

Tailored to fit your unique business needs

Designed specifically to meet the requirements of businesses.

Service that puts your needs first and ensures your delight

Prioritizing your needs, and making financial management effortless and delightful for you.

Open your account

Simple, transparent pricing to suit your business

Self-employed

Companies

Billed Monthly

Billed Yearly

Save up to 34%

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
2.19% per ATM withdrawal
Choose Freemium
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
Choose Smart
Pro
You’re managing teams, currencies, or cost centres — and looking to scale efficiently.
€29
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
Choose Pro

Self-employed

Companies

Billed Monthly

Billed Yearly

Save up to 34%

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
2.19% per ATM withdrawal
Choose Freemium
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
Choose Smart
Pro
You’re managing teams, currencies, or cost centres — and looking to scale efficiently.
€29
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
Choose Pro

Self-employed

Companies

Billed Monthly

Billed Yearly

Save up to 34%

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
2.19% per ATM withdrawal
Choose Freemium
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
Choose Smart
Pro
You’re managing teams, currencies, or cost centres — and looking to scale efficiently.
€29
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
Choose Pro

Who banks on wamo?

Meet the locals who trust wamo with their business.

"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
"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
"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
"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 locals who trust wamo with their business.

"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
"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
"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
"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 locals who trust wamo with their business.

"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
"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
"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
"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

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.

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

Made for growing businesses

Manage your business spending by team, project, or expense.

Get paid your way

Flexible options for receiving money, wherever your clients are.

Why businesses love us?

Your success is our passion and top priority

Tailored to fit your unique business needs

Service that puts your needs first and ensures your delight

Simple, transparent pricing to suit your business

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

2.19% 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.

€29

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

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

2.19% 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.

€29

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

Freemium