Simple, transparent pricing

Choose the plan that fits your business needs with no hidden fees or long-term commitments.
Self-employed
Companies

Monthly

Annually

save 20%

Freemium

€0

/month

No paperwork. Just tools. Start for free. Pay only when you transact.

No setup fee

Business account with EU IBAN

€0.99 per local transfer

ATM withdrawals: 2% per transaction

1 virtual Visa card

Start

€19.99

/month

You're a new business with light banking needs or want to keep your banking simple.

No setup fee

Business account with EU IBAN

€0.49 per local transfer

ATM withdrawals: 1.99% per transaction

1 virtual Visa card

Grow

TOP PICK

€49.99

/month

You're running multiple projects or teams and want better financial clarity and tools.

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

€99.99

/month

You’re managing multiple users, currencies or cost centres, and could be scaling fast.

Scale

TOP PICK

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

Monthly

Annually

save 20%

Monthly

Annually

save 20%

Compare all features

A detailed breakdown of what's included in each plan
A detailed breakdown of what's included in each plan

Freemium

Start

Most popular

Grow

Scale

Accounts
Monthly fee

Free

€19.99/ month

€49.99/ month

€99.99/ month

Account opening fee

One time payment

FREE

FREE

FREE

FREE

Business accounts

Sub-accounts/ledgers

1 sub account

per currency

1 sub account

per currency

up to 10

sub accounts

up to 100

sub accounts

Cashback

Earn up to 1% cashback with annual plans

0.5%

with all card spends

1%

with all card spends

Transfers
No fee ATM withdrawal

1.99% per transaction thereafter

2%
per transaction

5

10 with annual plans

10

15 with annual plans

Local transfer IN

FREE

FREE

FREE

FREE

Free local transfer OUT

€0.49 per transaction thereafter

€0.99
per transaction

50

250

Internal transfer

FREE

FREE

FREE

FREE

Recurring payments
Bulk payments
Exchange currencies

Standard rates

Standard rates

Advantageous rates

Advantageous rates

Inbound SWIFT

Free / €14.99

Free / €9.99

Free / €9.99

Free / €9.99

Outbound SWIFT

€23.99 / €29.99

€19.99 / €23.99

€19.99 / €23.99

€19.99 / €23.99

Cards
Free virtual card

1

1

10

100

Virtual card allowance

€0.99 per card outside free allowance

No additional allowance

No additional allowance

100

100

Free physical card

5

100

Physical card allowance

€9.99 per card outside free allowance

1

1

10

100

Using your card abroad
Apple wallet

Coming soon

Coming soon

Coming soon

Coming soon

Google wallet
Plan features
Payment links

Available on request and approval

1.99%

per transaction

1.99%

per transaction

1.69%

per transaction

1.49%

per transaction

Add team members
Create statements
Personal support
Schedule payments
Recurring payments
Team management
Xero integration

Dormant Account (Account Inactivity Fee) Applicable to business accounts where no financial withdrawals or deposits were effected for a period of 1 year. 

€99.00 per annum per account.

Freemium

Start

Grow

Scale

Accounts
Monthly fee

Free

Account opening fee

FREE

Business accounts

Sub-accounts/ledgers

1 sub account

per currency

Cashback
Transfers
ATM withdrawal fee

2%

Local transfer IN

FREE

Local transfer OUT

€0.99

Internal transfer

FREE

Recurring payments
Bulk payments
Exchange currencies

Standard
rates

Inbound SWIFT

Free / €14.99

Outbound SWIFT

€23.99 / €29.99

Cards
Free virtual card

1

Virtual card allowance

No additional allowance

Free physical card
Physical card allowance

€9.99 per card outside free allowance

1

Using your card abroad
Apple wallet

Coming soon

Google wallet
Plan features
Payment links

Available on request and approval

1.99%

per transaction

Add team members
Create statements
Personal support
Schedule payments
Recurring payments
Team management
Xero integration

Dormant Account (Account Inactivity Fee) Applicable to business accounts where no financial withdrawals or deposits were effected for a period of 1 year. 

€99.00 per annum per account.

Freemium

Start

Grow

Scale

Accounts
Monthly fee

€49.99

Account opening fee

FREE

Business accounts

Sub-accounts/ledgers

up to 10

sub accounts

Cashback

Earn up to 1% cashback with annual plans

Transfers
No fee ATM withdrawal

1.99% per transaction thereafter

5

10 with annual plans

Local transfer IN

FREE

Free local transfer OUT

€0.49 per transaction thereafter

50

Internal transfer

FREE

Recurring payments
Bulk payments
Exchange currencies

Advantageous rates

Inbound SWIFT

Free / €9.99

Outbound SWIFT

€19.99 / €23.99

Cards
Free virtual card

10

Virtual card allowance

€0.99 per card outside free allowance

100

Free physical card

5

Physical card allowance

€9.99 per card outside free allowance

10

Using your card abroad
Apple wallet

Coming soon

Google wallet
Plan features
Payment links

Available on request and approval

1.69%

per transaction

Add team members
Create statements
Personal support
Schedule payments
Recurring payments
Team management
Xero integration

Dormant Account (Account Inactivity Fee) Applicable to business accounts where no financial withdrawals or deposits were effected for a period of 1 year. 

€99.00 per annum per account.

Freemium

Start

Grow

Scale

Accounts
Monthly fee

€49.99

Account opening fee

FREE

Business accounts

Sub-accounts/ledgers

up to 10

sub accounts

Cashback

Earn up to 1% cashback with annual plans

Transfers
No fee ATM withdrawal

1.99% per transaction thereafter

5

10 with annual plans

Local transfer IN

FREE

Free local transfer OUT

€0.49 per transaction thereafter

50

Internal transfer

FREE

Recurring payments
Bulk payments
Exchange currencies

Advantageous rates

Inbound SWIFT

Free / €9.99

Outbound SWIFT

€19.99 / €23.99

Cards
Free virtual card

10

Virtual card allowance

€0.99 per card outside free allowance

100

Free physical card

5

Physical card allowance

€9.99 per card outside free allowance

10

Using your card abroad
Apple wallet

Coming soon

Google wallet
Plan features
Payment links

Available on request and approval

1.69%

per transaction

Add team members
Create statements
Personal support
Schedule payments
Recurring payments
Team management
Xero integration

Dormant Account (Account Inactivity Fee) Applicable to business accounts where no financial withdrawals or deposits were effected for a period of 1 year. 

€99.00 per annum per account.

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.

Ready to get started?

Join thousands of businesses saving time and money with wamo. Get 3 months free when you sign up today.